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Synchrony Financial

SYF | US

76.30

USD

-0.32

-0.42%

SYF | US
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About Synchrony Financial

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

24/04/2026

Close

76.30

Open

76.36

High

77.11

Low

75.65

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; and 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. 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. The company was founded in 1932 and is headquartered in Stamford Connecticut.

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SYF | US

Risk
29.3
Sharpe
1.66
Luna's Score
66/100
Recommendation
Buy

Luna says (SYF | US)

What's Working

Largecap (10B - 200B USD)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

Strong Revenue Growth (> 10%)

Strong Sharpe Ratio (> 1.2)

What's not Working

Weakness based on declining price with high volume

High Market Beta (> 0.8)

High Debt to Equity (> 0.75)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

30.4%

1 month

29.3%

3 months

33.2%

6 months

32.1%

Returns

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Fundamental Ratios

PE

7.33

Fwd. PE

9.82

Price to book

1.50

Debt to equity

1.01

Debt to assets

0.13

Ent. to EBITDA

-

Ent. to rev.

2.44

PEG

1.75

Other Fundamentals

EBITDA

-

MarketCap

29.70B

MarketCap(USD)

29.70B

Div. yield

1.77

Op. margin

46.37

Erngs. growth

31.10

Rev. growth

11.60

Ret. on equity

21.28

Short ratio

3.68

Short perc.

5.15

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

8.79

Range1M

15.27

Range3M

17.12

Volumes: Market Activity

Volume Averages

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Rel. volume

1.14

Price X volume

258.69M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Principal Financial Group IncPFGInsurance-Life99.3423.01B2.41%17.2036.16%
SoFi Technologies Inc. Common StockSOFICredit Services18.4419.66B0.66%n/a54.36%
Unum GroupUNMInsurance-Life77.4814.39B0.23%9.3433.16%
Great Lakes ReitGLInsurance-Life152.5613.70B-0.92%9.9243.71%
FirstCash IncFCFSCredit Services2199.93B3.14%21.84100.94%
Primerica IncPRIInsurance-Life279.979.47B-0.30%22.3494.54%
JACKSON FINANCIAL INC CLASS AJXNInsurance-Life113.138.51B-0.24%3.5520.17%
OneMain Holdings IncOMFCredit Services59.447.12B0.75%9.80655.60%
ORIX CorporationIXCredit Services30.46.95B0.00%10.270.00%
Lincoln National CorporationLNCInsurance-Life36.976.29B1.40%3.5277.57%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
PPL CorporationPPLBuilding Products & Equipment38.7528.59B0.54%28.90114.80%
Twenty-First Century Fox IncFOXAMedia - Diversified62.8527.58B-2.60%13.5776.09%
Twenty-First Century Fox IncFOXMedia - Diversified56.1726.86B-2.72%12.4576.09%
Avery Dennison CorporationAVYBuilding Products & Equipment165.513.33B-1.15%27.93140.74%
Dolby Laboratories IncDLBMedia - Diversified64.086.11B1.78%34.320.00%
FBINFBINBuilding Products & Equipment41.545.16B0.34%25.57130.24%
Thor Industries IncTHORecreational Vehicles794.18B0.24%23.4427.88%
Cinemark Holdings IncCNKMedia - Diversified28.483.49B-0.42%27.93934.91%
VeriFone Systems IncPAYBuilding Products & Equipment27.253.39B0.96%102.462.10%
Polaris Industries IncPIIRecreational Vehicles60.043.35B1.06%14.48170.51%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA-13.23-
Ent. to Revenue2.4411.29Cheaper
PE Ratio7.3318.44Cheaper
Price to Book1.503.87Cheaper
Dividend Yield1.774.90Poor
Std. Deviation (3M)33.1745.36Lower Risk
Debt to Equity1.016.69Cheaper
Debt to Assets0.130.42Cheaper
Market Cap29.70B23.69BMarket Leader
  • 1

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