Synchrony Financial Profile Avatar - Palmy Investing

Synchrony Financial

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 o…
Financial - Credit Services
US, Stamford [HQ]

Ratios

13 Sheets · Starting from 2023
Margins, Growth Rates In %
Ratio 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Profitability
Gross Margin
100.00 100.00 100.00 127.90 128.09 126.45 123.75 100.00 85.98 87.27 91.12 91.44 76.18
Profit Margin
21.71 21.09 17.88 22.85 22.71 20.52 15.65 21.00 28.15 12.41 41.41 18.84 16.42
Operating Margin
45.28 41.01 35.08 46.67 47.87 43.91 38.13 41.51 36.71 16.10 53.99 34.00 21.31
EPS Growth
- - 11.84 -6.67 16.81 -4.32 1.88 -10.33 54.73 48.67 -59.21 224.56 -16.35 -15.83
Return on Assets (ROA)
- - 3.96 3.35 2.79 2.64 2.50 2.02 2.61 3.57 1.44 4.41 2.88 1.91
Return on Equity (ROE)
- - 46.25 33.20 20.13 17.57 15.86 13.59 19.01 24.83 10.90 30.91 23.43 16.10
Return on Invested Capital (ROIC)
- - 8.02 8.08 7.07 7.93 8.85 7.83 10.92 9.75 4.35 14.73 14.40 6.56
Solvency
Equity Ratio
- - - - - - - - - - - - - - - - - - - - - - - - - -
Debt/Assets
- - 51.77 41.16 36.27 28.91 22.33 21.71 22.47 22.25 19.91 15.67 15.20 17.20
Debt/Equity
- - 604.08 408.07 262.07 192.63 141.92 146.12 163.48 154.59 150.41 109.90 123.50 145.34
Debt/EBITDA
- - 629.90 551.71 352.15 248.33 214.93 185.09 251.03 146.92 195.00 104.70 66.50 51.25
Debt/Capitalization
- - 85.80 80.32 72.38 65.83 58.66 59.37 62.05 60.72 60.06 52.36 55.26 59.24
Interest Debt per Share USD
- - 34.23 30.19 37.47 30.48 25.80 27.89 34.85 38.22 35.26 28.41 36.26 56.79
Debt Growth
- - - - -12.56 12.91 -11.35 -17.24 3.24 15.37 -17.21 -20.59 -8.04 -2.18 12.62
Liquidity
Current Ratio
- - 59.00 75.17 420.33 329.55 244.71 283.95 239.51 269.45 258.62 163.86 263.81 335.03
Quick Ratio
- - 67.32 82.33 476.58 413.16 378.47 393.42 394.04 400.58 426.23 267.69 388.85 2,595.75
Cash Ratio
- - 59.00 75.17 420.33 329.55 244.71 283.95 239.51 269.45 258.62 163.86 263.81 335.03
Operating Cash Flow Ratio
- - 200 100 100 100 100 200 200 100 100 100 100 200
Turnover
Inventory Turnover
- - - - - - - - - - - - - - - - - - - - - - - - -4.15
Receivables Turnover
- - - - - - - - - - - - - - - - - - - - - - - - 14.75
Payables Turnover
- - - - - - - - - - - - - - - - - - - - - - - - 10,470.97
Asset Turnover
- - 18.79 18.74 12.19 11.60 12.16 12.91 12.44 12.70 11.63 10.64 15.31 11.60
Coverage
Interest Coverage
422.96 553.15 523.45 467.25 411.10 386.06 338.96 294.87 213.31 107.93 533.24 357.73 78.25
Asset Coverage
- - - - 200 200 300 400 400 400 500 600 600 700 700
Cash Flow Coverage (CFGR)
- - 20.37 23.35 19.45 25.47 33.87 42.87 38.93 38.54 39.19 47.30 42.11 42.52
EBITDA Coverage
400 500 500 400 400 400 300 300 200 100 500 300 - -
Dividend Coverage
- - - - - - - - - - -1,000 -400 -500 -600 -200 -700 -600 -400
Time Interest Earned (TIE)
-1,400 -800 -700 -700 -700 -800 -1,000 -1,100 -600 -500 -100 1,100 - -
Market Prospects
Dividend Yield
- - - - - - - - - - 0.71 1.45 3.07 2.41 2.75 2.07 3.02 2.79
Earnings Yield
9.90 11.10 10.36 9.36 8.73 7.49 6.30 16.02 15.53 6.78 16.12 19.11 13.91
Price/Earnings (P/E)
1,010.38 901.19 964.94 1,068.40 1,145.25 1,336.08 1,587.50 624.17 644.09 1,476.11 620.51 523.41 718.75
Price/Book (P/B)
- - 416.77 320.41 215.05 201.17 211.86 215.81 118.64 159.95 160.97 191.81 122.63 115.70
Price/Sales (P/S)
219.35 190.05 172.49 244.12 260.14 274.11 248.39 131.09 181.29 183.16 256.98 98.63 118.04
Price/Cash Flow (P/CF)
346.20 338.77 336.26 421.96 410.02 440.79 344.53 186.41 268.45 273.06 368.95 235.82 187.19