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About The Company
CEO
Mr. Brian D. Doubles
Market Cap
18.22 Billion USD
Sector
Financial Services
Website
https://www.synchrony.comLast Update
2/22/2024, 12:00:00 PM
Description
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
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Overview
Value
94
Growth
41
Health
55
Management
80
Analyst Opinion
94
Total
73
All Scores Out Of 100
Best Features
- Has a low level of debt
- Has a history of share buybacks
- Price-to-earnings ratio of 7.9 is lower than the market average (19.6x)
- Has a margin-of-safety above fair value
- Liked by analysts
- Low preportion of income is paid as dividend
Risk Factors
- Earnings have declined recently
- Disliked by Twitter users
- Very undervalued
- Accounting anomalies: Growing revenues without a corresponding growth in cash flows.
Market Peers
SYF
Key Figures
PE Ratio (TTM)
7.88
Margin Of Safety (DCF)
954.86%
Revenue Growth (5 Year Average)
5.92%
Ratings Consensus
Strong Buy
Share Buybacks
6.63%
Dividend Yeild (TTM)
2.68%
Valuation
Value Score
94
- ✔ Price-to-earnings ratio of 7.9 is lower than the market average (19.6x)
- ✔ Free-cashflow-yeild of 51.45% is better than the market average (4.7%)
- ✔ Margin-of-safety of 954.86% is better than the market average (17.95%)
- ✔ Estimated intrinsic-value of 433.02 USD is higher than current price ( 44.80 USD)
Desired Margin Of Safety
0%
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Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Buy Target: < 465.9 USD ✔
Current Price: 41.1 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.
Price/Earnings
7.88x
Free Cashflow Yeild
51.45%
PE/Earnings Growth
N/A
Price/Book
0.16x
Growth
Growth Score
41
- ✔ 5 Year Average Earnings growth of 22.34% is higher than the market average (14.48%)
- ✔ Free Cashflow growth has improved this year
- ✘ 5 Year Average Revenue growth of 5.92% is lower than the market average (10.97%)
- ✘ Revenue growth has slowed this year
- ✘ Earnings growth has slowed this year
- ✘ 5 Year Average Free Cashflow growth of -4.47% is lower than the market average (12.35%)
Revenue Growth
5.92%
Earnings Growth
22.34%
Cashflow Growth
-4.47%
Health
Health Score
55
Altman Z Score
1.25
Piostroski Score
6.00
Debt/Equity
0.55x
Current Assets/Liabilities
1.39x
Free Cashflow/Total Debt
0.92x
Debt/Capital
0.72x
Dividend
Secure Dividend Score
65
- ✔ Dividend yeild of 2.68% is more than the market average (1.85%)
- ✔ Dividend is likely safe
- ✔ Long term dividend payout ratio of 18.75% is considered good
- ✔ Payout ratio (TTM) of 20.02% is lower than the average (40%)
- ✘ Dividends have been declining over the last 5 years
- ✘ Dividend growth has been slowing recently
- ✘ Spending a higher percentage of their income on dividends than last 5 years
Dividend Yeild
2.68%
Dividend Growth
-24.61%
Payout Ratio (Earnings)
20.02%
Payout Ratio (Cashflow)
5.21%
Management
Management Score
80
Average Buybacks/Dilution
6.63%
Recent Buybacks/Dilution
-27.94%
5 Year Price Volitility
22.58%
Return On Assets
2.18%
Return On Capital Employed
5.95%
Return On Equity
16.03%
Return On Free Cashflow
N/A
Return On Investments
N/A
Analysts
Analyst Opinion
94
- ✔ Ratings consensus is Strong Buy
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
Other Information
Company Name
Synchrony Financial
Currency
USD
Beta
1.601092
Vol Avg
5870460
Ceo
Mr. Brian D. Doubles
Cik
0001601712
Cusip
87165B103
Exchange
New York Stock Exchange
Full Time Employees
18500
Industry
Credit Services
Sector
Financial Services
Ipo Date
2014-07-31
Address
777 Long Ridge Road
City
Stamford
State
CT
Country
US
Zip
06902
Phone
203 585 2400
Analysis Last Updated
2/22/2024, 12:00:00 PM
All financial data provided by FMP
Social Sentiment
Social Sentiment Score
0
Twitter Sentiment
N/A
Stocktwits Sentiment
N/A