Synchrony Financial SYF | NYSE

$65.45 $1.18 | 1.84%

After Hours
$66.14 $0.69 | 1.05%

Next Earnings: Jan 21, 2025

Company Overview:

Market Cap: $25.48B
PE Ratio: 8.5
52-Week Range: $35.29 - $69.386
Dividend Yield (FWD): 1.53% ($1.00)

10 Year Performance Metrics:

Total Return (with DRIP): 169.36% (10.42% / yr)
Total Return (no DRIP): 142.78% (9.28% / yr)
Share Price: 119.26%
Dividend Increase: 92.31%
SYF 10-yr Total Return ($10,000 investment)
1Y 2Y 5Y 10Y All

SYF Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
SYF Dividend CAGR:1Y: 0.00%2Y: 4.26%5Y: 2.59%10Y: N/A
Share Price
SYF Price CAGR:1Y: 75.33%2Y: 41.58%5Y: 12.24%10Y: 8.11%

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SYF Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend payout ration is Dividend/EPS, and indicates if company can afford to pay dividends from net income that it earned in the quarter.

Since EPS can be played with using different "accounting gymnastics", a better measure of dividends safety is Dividend to Free Cash Flow (FCF) ratio.

FCF is how much cash the company has earned each quarter, after paying all expenses not related to earnings.

Lower Ratio indicates SAFER Dividend! Ratios consistently close to, or over 100% are usually unsustainable and often indicate a dividend cut might be coming soon.

Dividend Payout Ratio - SYF
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Dividend to Free Cash Flow Ratio - SYF
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SYF Earnings, Revenue, Cash & Debt, Shares Outstaning:

SYF - EPS vs PE Ratio
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SYF - FCF vs FCF / Share
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SYF - EPS vs FCF / Share
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SYF - FCF vs Stock Based Comp
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SYF - Revenue vs Net Income
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SYF - Cash & Debt
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SYF - Revenue
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SYF Revenue CAGR:1Y: -28.76%2Y: -2.01%5Y: 1.98%10Y: 5.27%
SYF - Earnings Per Share (EPS)
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SYF EPS CAGR:1Y: 31.08%2Y: 14.11%5Y: 3.93%10Y: 10.73%
SYF - Net Income
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SYF Net Income CAGR:1Y: 25.64%2Y: 5.94%5Y: -5.66%10Y: 3.71%
SYF - EBITDA
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SYF EBITDA CAGR:1Y: 58.34%2Y: -3.96%5Y: -8.54%10Y: 1.33%
SYF - Free Cash Flow
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SYF Free Cash Flow CAGR:1Y: 11.32%2Y: 30.04%5Y: 2.87%10Y: 7.87%
SYF - Free Cash Flow / Share
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SYF Free Cash Flow / Share CAGR:1Y: 18.05%2Y: 42.11%5Y: 14.09%10Y: 15.58%
SYF - Gross Profit
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SYF Gross Profit CAGR:1Y: -36.07%2Y: -11.11%5Y: -3.82%10Y: 2.23%
SYF - Expenses
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SYF Expenses CAGR:1Y: N/A2Y: N/A5Y: N/A10Y: N/A
SYF - Shares Outstanding
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SYF Shares Outstanding CAGR:1Y: -5.23%2Y: -8.22%5Y: -9.74%10Y: -6.57%
SYF - Share Buybacks
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SYF Share Buybacks CAGR:1Y: 98.68%2Y: -43.62%5Y: -11.30%10Y: N/A
SYF - Stock-Based Comp
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SYF Stock-Based Comp CAGR:1Y: N/A2Y: N/A5Y: -100.00%10Y: -100.00%
SYF - Dividends
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SYF Dividend CAGR:1Y: 0.00%2Y: 4.26%5Y: 2.59%10Y: N/A

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SYF - REVENUE: Actual + Estimates
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SYF Actual Revenue CAGR:1Y: -28.76%2Y: -2.01%5Y: 1.98%10Y: 5.27%
SYF - EPS: Actual + Estimates
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SYF Actual EPS CAGR:1Y: 31.08%2Y: 14.11%5Y: 3.93%10Y: 10.73%
SYF - NET INCOME: Actual + Estimates
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SYF Actual Net Income CAGR:1Y: 25.64%2Y: 5.94%5Y: -5.66%10Y: 3.71%
SYF - EBITDA: Actual + Estimates
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SYF Actual EBITDA CAGR:1Y: 58.34%2Y: -3.96%5Y: -8.54%10Y: 1.33%

Ratios, Profit Margins & Return on Capital:

SYF - Net Profit Margin
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SYF Net Profit Margin CAGR:1Y: 76.39%2Y: 8.12%5Y: -7.49%10Y: -1.48%
SYF - Gross Profit Margin
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SYF Gross Profit Margin CAGR:1Y: -10.26%2Y: -9.29%5Y: -5.69%10Y: -2.89%
SYF - Price to Earnings
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SYF - Price To Sales Ratio
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SYF - Return on Capital Employed
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SYF - Return on Invested Capital
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SYF Dividends Info:

Annual Dividend: $1.00
Forward Yield: 1.53%
Ex-Dividend Date: 2024-11-04
Lifetime Dividens / Share: $7.02

SYF Dividend History: Dates, Payments & Yield list

Below is a schedule of all SYF dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
11/04/202411/15/2024$0.2501.82%1.82%$55.06
08/05/202408/15/2024$0.2502.28%2.28%$43.77
05/03/202405/15/2024$0.2502.19%2.19%$45.60
02/02/202402/15/2024$0.2502.52%2.57%$38.95
10/31/202311/09/2023$0.2503.42%3.57%$28.05
07/28/202308/10/2023$0.2502.72%2.89%$34.59
05/01/202305/12/2023$0.2303.19%3.19%$28.87
02/03/202302/17/2023$0.2302.46%2.48%$37.05
10/31/202211/10/2022$0.2302.53%2.59%$35.56
07/29/202208/11/2022$0.2302.66%2.75%$33.48
04/29/202205/12/2022$0.2202.39%2.39%$36.81
02/09/202202/17/2022$0.2201.97%1.97%$44.66
10/29/202111/12/2021$0.2201.89%1.89%$46.45
07/30/202108/12/2021$0.2201.87%1.87%$47.02
04/30/202105/13/2021$0.2202.01%2.01%$43.74
02/04/202102/16/2021$0.2202.37%2.37%$37.14
10/30/202011/12/2020$0.2203.52%3.52%$25.02
07/31/202008/13/2020$0.2203.98%3.98%$22.13
05/01/202005/14/2020$0.2204.75%4.75%$18.51
02/06/202002/13/2020$0.2202.62%2.65%$33.19
11/01/201911/14/2019$0.2202.41%2.46%$35.74
08/02/201908/15/2019$0.2202.42%2.51%$35.06
05/03/201905/16/2019$0.2102.45%2.45%$34.34
02/01/201902/14/2019$0.2102.63%2.83%$29.69
11/02/201811/15/2018$0.2102.72%3.18%$26.43
08/03/201808/16/2018$0.2102.21%2.81%$29.85
05/04/201805/17/2018$0.1501.84%1.84%$32.63
02/02/201802/15/2018$0.1501.5%1.55%$38.68
11/03/201711/16/2017$0.1501.69%1.81%$33.11
08/03/201708/17/2017$0.1501.81%2.01%$29.91
05/04/201705/18/2017$0.1301.81%1.81%$28.67
02/02/201702/16/2017$0.1301.1%1.47%$35.34
11/03/201611/17/2016$0.1300.92%1.85%$28.13
08/10/201608/25/2016$0.1300.47%1.88%$27.65

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Projected Future Returns & Dividends for SYF

Based on past 10-year performance, here are SYF growth metrics:

Share price CAGR of +8.17%
Dividend CAGR of +6.76%
Using SYF CAGR metrics, we can estimate, that your initial $10000 investment, over next 10 years ago, should grow with dividends being reinvested (DRIP) as follows:

SYF
Current Price$65.45
Start Shares152.79
Start Value$10,000
 
After 10 years:
Final Share Count176.43
Dividends Payment$0.48
Annual Dividends$339
Yield on cost3.39%
Share Price$132.67
Total Dividends$2,261
Final Value$23,407

Estimated Future Value + Dividends - SYF

NOTE: Above numbers are our estimate based on SYF's Dividend and Price CAGR over past 10 years. These numebrs should only be considered as "potential future returns"! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these estimates.

Company Info

Synchrony Financial (SYF) had its IPO on 2014-07-31, and is trader on NYSE stock exchange.

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

SYF website: https://www.synchrony.com


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