Financhill
Buy
62

SYF Quote, Financials, Valuation and Earnings

Last price:
$52.79
Seasonality move :
4.5%
Day range:
$50.00 - $52.17
52-week range:
$40.55 - $70.93
Dividend yield:
1.93%
P/E ratio:
7.13x
P/S ratio:
1.37x
P/B ratio:
1.29x
Volume:
4.1M
Avg. volume:
5.3M
1-year change:
18.12%
Market cap:
$19.8B
Revenue:
$16.1B
EPS (TTM):
$7.29

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
SYF
Synchrony Financial
$3.7B $1.65 0.03% 4.9% $62.00
AXP
American Express
$16.9B $3.47 6.53% -7.32% $288.64
BAC
Bank of America
$26.9B $0.81 5.65% 7.56% $48.57
BFH
Bread Financial Holdings
$953.5M $2.23 -0.05% -36.06% $57.14
C
Citigroup
$21.3B $1.85 3.03% 13.29% $83.70
JPM
JPMorgan Chase &
$44.1B $4.64 4.73% -27.01% $258.20
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SYF
Synchrony Financial
$51.95 $62.00 $19.8B 7.13x $0.25 1.93% 1.37x
AXP
American Express
$266.41 $288.64 $186.6B 18.60x $0.82 1.1% 2.81x
BAC
Bank of America
$39.88 $48.57 $301.5B 11.87x $0.26 2.56% 3.03x
BFH
Bread Financial Holdings
$47.45 $57.14 $2.2B 8.43x $0.21 1.77% 0.63x
C
Citigroup
$68.38 $83.70 $127.7B 10.80x $0.56 3.23% 1.61x
JPM
JPMorgan Chase &
$244.62 $258.20 $679.8B 12.01x $1.40 2.06% 4.04x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SYF
Synchrony Financial
50.64% 2.092 79.6% --
AXP
American Express
62.85% 1.496 27.99% 3.47x
BAC
Bank of America
53.92% 1.570 102.93% 1.80x
BFH
Bread Financial Holdings
62.54% 1.923 214.82% 4.59x
C
Citigroup
61.88% 1.465 227.17% 1.11x
JPM
JPMorgan Chase &
63.9% 1.328 88.65% 1.58x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SYF
Synchrony Financial
-- -- 9.27% 18.53% 55.68% $2.2B
AXP
American Express
-- -- 12.47% 34.37% 31.21% $4.3B
BAC
Bank of America
-- -- 4.42% 9.44% 101.36% $25.9B
BFH
Bread Financial Holdings
-- -- 3.49% 9.07% 43.51% $393M
C
Citigroup
-- -- 2.47% 6.38% 116.21% $23.1B
JPM
JPMorgan Chase &
-- -- 7.21% 17.36% 92.67% $147.8B

Synchrony Financial vs. Competitors

  • Which has Higher Returns SYF or AXP?

    American Express has a net margin of 20.36% compared to Synchrony Financial's net margin of 15.23%. Synchrony Financial's return on equity of 18.53% beat American Express's return on equity of 34.37%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.89 $33.6B
    AXP
    American Express
    -- $3.64 $84B
  • What do Analysts Say About SYF or AXP?

    Synchrony Financial has a consensus price target of $62.00, signalling upside risk potential of 19.35%. On the other hand American Express has an analysts' consensus of $288.64 which suggests that it could grow by 8.34%. Given that Synchrony Financial has higher upside potential than American Express, analysts believe Synchrony Financial is more attractive than American Express.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    9 8 0
    AXP
    American Express
    7 17 1
  • Is SYF or AXP More Risky?

    Synchrony Financial has a beta of 1.423, which suggesting that the stock is 42.287% more volatile than S&P 500. In comparison American Express has a beta of 1.232, suggesting its more volatile than the S&P 500 by 23.233%.

  • Which is a Better Dividend Stock SYF or AXP?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.93%. American Express offers a yield of 1.1% to investors and pays a quarterly dividend of $0.82 per share. Synchrony Financial pays 13.43% of its earnings as a dividend. American Express pays out 19.74% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or AXP?

    Synchrony Financial quarterly revenues are $3.7B, which are smaller than American Express quarterly revenues of $17B. Synchrony Financial's net income of $757M is lower than American Express's net income of $2.6B. Notably, Synchrony Financial's price-to-earnings ratio is 7.13x while American Express's PE ratio is 18.60x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.37x versus 2.81x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.37x 7.13x $3.7B $757M
    AXP
    American Express
    2.81x 18.60x $17B $2.6B
  • Which has Higher Returns SYF or BAC?

    Bank of America has a net margin of 20.36% compared to Synchrony Financial's net margin of 27.03%. Synchrony Financial's return on equity of 18.53% beat Bank of America's return on equity of 9.44%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.89 $33.6B
    BAC
    Bank of America
    -- $0.90 $641.4B
  • What do Analysts Say About SYF or BAC?

    Synchrony Financial has a consensus price target of $62.00, signalling upside risk potential of 19.35%. On the other hand Bank of America has an analysts' consensus of $48.57 which suggests that it could grow by 21.79%. Given that Bank of America has higher upside potential than Synchrony Financial, analysts believe Bank of America is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    9 8 0
    BAC
    Bank of America
    14 1 0
  • Is SYF or BAC More Risky?

    Synchrony Financial has a beta of 1.423, which suggesting that the stock is 42.287% more volatile than S&P 500. In comparison Bank of America has a beta of 1.272, suggesting its more volatile than the S&P 500 by 27.153%.

  • Which is a Better Dividend Stock SYF or BAC?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.93%. Bank of America offers a yield of 2.56% to investors and pays a quarterly dividend of $0.26 per share. Synchrony Financial pays 13.43% of its earnings as a dividend. Bank of America pays out 35.03% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or BAC?

    Synchrony Financial quarterly revenues are $3.7B, which are smaller than Bank of America quarterly revenues of $27.4B. Synchrony Financial's net income of $757M is lower than Bank of America's net income of $7.4B. Notably, Synchrony Financial's price-to-earnings ratio is 7.13x while Bank of America's PE ratio is 11.87x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.37x versus 3.03x for Bank of America. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.37x 7.13x $3.7B $757M
    BAC
    Bank of America
    3.03x 11.87x $27.4B $7.4B
  • Which has Higher Returns SYF or BFH?

    Bread Financial Holdings has a net margin of 20.36% compared to Synchrony Financial's net margin of 14.23%. Synchrony Financial's return on equity of 18.53% beat Bread Financial Holdings's return on equity of 9.07%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.89 $33.6B
    BFH
    Bread Financial Holdings
    -- $2.78 $8.2B
  • What do Analysts Say About SYF or BFH?

    Synchrony Financial has a consensus price target of $62.00, signalling upside risk potential of 19.35%. On the other hand Bread Financial Holdings has an analysts' consensus of $57.14 which suggests that it could grow by 20.43%. Given that Bread Financial Holdings has higher upside potential than Synchrony Financial, analysts believe Bread Financial Holdings is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    9 8 0
    BFH
    Bread Financial Holdings
    4 8 1
  • Is SYF or BFH More Risky?

    Synchrony Financial has a beta of 1.423, which suggesting that the stock is 42.287% more volatile than S&P 500. In comparison Bread Financial Holdings has a beta of 1.334, suggesting its more volatile than the S&P 500 by 33.395%.

  • Which is a Better Dividend Stock SYF or BFH?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.93%. Bread Financial Holdings offers a yield of 1.77% to investors and pays a quarterly dividend of $0.21 per share. Synchrony Financial pays 13.43% of its earnings as a dividend. Bread Financial Holdings pays out 15.52% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or BFH?

    Synchrony Financial quarterly revenues are $3.7B, which are larger than Bread Financial Holdings quarterly revenues of $970M. Synchrony Financial's net income of $757M is higher than Bread Financial Holdings's net income of $138M. Notably, Synchrony Financial's price-to-earnings ratio is 7.13x while Bread Financial Holdings's PE ratio is 8.43x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.37x versus 0.63x for Bread Financial Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.37x 7.13x $3.7B $757M
    BFH
    Bread Financial Holdings
    0.63x 8.43x $970M $138M
  • Which has Higher Returns SYF or C?

    Citigroup has a net margin of 20.36% compared to Synchrony Financial's net margin of 18.81%. Synchrony Financial's return on equity of 18.53% beat Citigroup's return on equity of 6.38%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.89 $33.6B
    C
    Citigroup
    -- $1.96 $558.1B
  • What do Analysts Say About SYF or C?

    Synchrony Financial has a consensus price target of $62.00, signalling upside risk potential of 19.35%. On the other hand Citigroup has an analysts' consensus of $83.70 which suggests that it could grow by 22.4%. Given that Citigroup has higher upside potential than Synchrony Financial, analysts believe Citigroup is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    9 8 0
    C
    Citigroup
    10 4 0
  • Is SYF or C More Risky?

    Synchrony Financial has a beta of 1.423, which suggesting that the stock is 42.287% more volatile than S&P 500. In comparison Citigroup has a beta of 1.301, suggesting its more volatile than the S&P 500 by 30.072%.

  • Which is a Better Dividend Stock SYF or C?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.93%. Citigroup offers a yield of 3.23% to investors and pays a quarterly dividend of $0.56 per share. Synchrony Financial pays 13.43% of its earnings as a dividend. Citigroup pays out 41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or C?

    Synchrony Financial quarterly revenues are $3.7B, which are smaller than Citigroup quarterly revenues of $21.6B. Synchrony Financial's net income of $757M is lower than Citigroup's net income of $4.1B. Notably, Synchrony Financial's price-to-earnings ratio is 7.13x while Citigroup's PE ratio is 10.80x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.37x versus 1.61x for Citigroup. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.37x 7.13x $3.7B $757M
    C
    Citigroup
    1.61x 10.80x $21.6B $4.1B
  • Which has Higher Returns SYF or JPM?

    JPMorgan Chase & has a net margin of 20.36% compared to Synchrony Financial's net margin of 32.32%. Synchrony Financial's return on equity of 18.53% beat JPMorgan Chase &'s return on equity of 17.36%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.89 $33.6B
    JPM
    JPMorgan Chase &
    -- $5.07 $973.5B
  • What do Analysts Say About SYF or JPM?

    Synchrony Financial has a consensus price target of $62.00, signalling upside risk potential of 19.35%. On the other hand JPMorgan Chase & has an analysts' consensus of $258.20 which suggests that it could grow by 5.55%. Given that Synchrony Financial has higher upside potential than JPMorgan Chase &, analysts believe Synchrony Financial is more attractive than JPMorgan Chase &.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    9 8 0
    JPM
    JPMorgan Chase &
    7 9 0
  • Is SYF or JPM More Risky?

    Synchrony Financial has a beta of 1.423, which suggesting that the stock is 42.287% more volatile than S&P 500. In comparison JPMorgan Chase & has a beta of 1.072, suggesting its more volatile than the S&P 500 by 7.162%.

  • Which is a Better Dividend Stock SYF or JPM?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.93%. JPMorgan Chase & offers a yield of 2.06% to investors and pays a quarterly dividend of $1.40 per share. Synchrony Financial pays 13.43% of its earnings as a dividend. JPMorgan Chase & pays out 25.28% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or JPM?

    Synchrony Financial quarterly revenues are $3.7B, which are smaller than JPMorgan Chase & quarterly revenues of $45.3B. Synchrony Financial's net income of $757M is lower than JPMorgan Chase &'s net income of $14.6B. Notably, Synchrony Financial's price-to-earnings ratio is 7.13x while JPMorgan Chase &'s PE ratio is 12.01x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.37x versus 4.04x for JPMorgan Chase &. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.37x 7.13x $3.7B $757M
    JPM
    JPMorgan Chase &
    4.04x 12.01x $45.3B $14.6B

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