Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SYF
HoldFallen FavouriteSynchrony Financial · Financial Services · United States · $25.4B · Avg Vol: $238M/d
COMPANY DESCRIPTION
Synchrony Financial is one of the largest providers of private label credit cards in the United States, offering customized financing programs, installment loans, and consumer financing. The company partners with major retailers and healthcare providers, embedding its financing solutions directly into their customer journeys. Synchrony benefits from deep industry relationships, robust data analytics, and strong risk management capabilities in the consumer finance sector.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11.7B | 13.6B | 15.1B | 15.0B | 8.7% | 9.9B | 15.2B | 16.0B | 3.3% |
| EPS | 6.19 | 5.21 | 8.64 | 9.38 | 14.9% | 9.75 | 9.32 | 10.38 | 5.2% |
| Shares | 438.2M | 406.9M | 388.3M | 347.4M | -20.7% | 325.4M | — | — | — |
| Debt | 14.2B | 16.0B | 15.5B | 15.2B | 2.3% | 16.4B | — | — | — |
| Equity | 12.9B | 13.9B | 16.6B | 16.8B | 9.2% | — | — | — | — |
| Op CF | 6.7B | 8.6B | 9.8B | 9.9B | 13.7% | 9.7B | — | — | — |
| Inv CF | -10.2B | -14.2B | -8.9B | -4.9B | — | — | — | — | — |
| Fin CF | 5.3B | 9.6B | -611.0M | -4.7B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SYF are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SYF | Synchrony Financial(you) | $25.4B | 48 | Hold |
| AFRM | Affirm Holdings, Inc. | $26.2B | 41 | Hold |
| ALLY | Ally Financial Inc. | $12.8B | 40 | Hold |
| SOFI | SoFi Technologies, Inc. | $23.3B | 19 | Strong Sell |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| COF | Capital One Financial Corporation | $132.3B | 49 | Hold |
| PYPL | PayPal Holdings, Inc. | $45.9B | 71 | Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| FCFS | FirstCash Holdings, Inc. | $9.5B | 66 | Buy |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%