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Insights for Synchrony Financial
New York Stock Exchange: SYF
05 - Growing & Profitable but Heavily Leveraged
Sector: Financial Services & Legal
Industry: Credit Cards & Payment Gateways
Based on PEG Ratio: 02 - Fairly Valued
Today's Price
updated on: 		51.95 (-0.92%)
Open 50.92 (2.02%)
High (Upside %) 52.165 (0.41%)
Low (Downside %) 50.0 (3.9%)
P. Close 52.43 (-0.92%)
Open-High % 2.45%
Open-Low % 1.81%
Low-High % 4.33%
Previous Data

SYF is a Stock listed in the US on the New York Stock Exchange under the ticker 'SYF'

Company Summary

Business Units or Product Lines

Synchrony Financial operates mainly through three business segments: Retail Card, Payment Solutions, and CareCredit. Retail Card involves partnerships with retailers to offer private label and co-branded credit cards. Payment Solutions includes promotional financing for large consumer purchases. CareCredit is a healthcare credit card offering financing for health-related expenses.

Business Models for Each Product Line

Synchrony generates revenue through interest income from loan receivables and fees from its credit card products in Retail Card. In Payment Solutions, they earn from promotional financing solutions by partnering with merchants. CareCredit generates income through interest and fees from credit cards designed for health and wellness expenses. Major expenses include funding interest and loss provisions for loan receivables.

Future Opportunities for Growth

Opportunities for growth include expanding partnerships with retailers in the e-commerce space, enhancing digital capabilities, and leveraging data analytics for personalized financial services. Additionally, growing the CareCredit segment by expanding into new healthcare markets can provide further growth.

Potential Major Risks

Major risks include regulatory changes impacting consumer credit, deteriorating consumer credit quality affecting loan receivables, intense competition in the consumer finance market, and potential economic downturns that could impact consumer spending and credit performance.

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Also read: https://finance.yahoo.com/SYF/profile

Basic Stats
Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Trailing P/E Forward P/E PEG Ratio (5yr expected) Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Assets Return on Equity Revenue-Display Revenue-Actual Revenue Quarterly Revenue Growth EBITDA-Display Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Operating Cash Flow-Display Operating Cash Flow-Actual Operating Cash Flow Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
18.61 B 18610000000.0 18.61 nan B 5.6 6.72 1.61 1.19 1.21 2.19 37.26% 52.01% 2.95% 22.96% 9.39 B 9390000000.0 9.39 20.80% nan B 8.55 75.90% 14.71 B 14710000000.0 14.71 15.46 B 15460000000.0 15.46 9.85 B 9850000000.0 9.85 nan B 0.31% 100.13%

source:https://finance.yahoo.com/SYF/key-statistics

Reading Information

source:https://finance.yahoo.com/SYF/key-statistics

source:https://www.google.com/finance/quote/SYF:NYSE

source:https://finance.yahoo.com/SYF/analysis

source:https://finance.yahoo.com/SYF/fair-value

source:https://www.nasdaq.com/market-activity/stocks/SYF/price-earnings-peg-ratios

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 15.22% 1.96% (52.97) 6.7% (55.43) 36.54% (70.93) 36.54% (70.93) 36.54% (70.93) 36.54% (70.93) 36.54% (70.93)
Downside % (low) 19.84% 11.2% (46.13) 21.95% (40.545) 21.95% (40.545) 21.95% (40.545) 21.95% (40.545) 48.82% (26.59) 76.61% (12.15)
Spread % -4.62% -9.24% -15.26% 14.58% 14.58% 14.58% -12.28% -40.08%

SYF's price used for computing the stats is 51.95 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose -0.42% 9.99% 12.62% -5.89% -26.3% -2.51% 15.39% 30.53% 66.51%
Last Price 51.95 51.95 51.95 51.95 51.95 51.95 51.95 51.95 51.95
Trend-Previous Close 52.17 47.23 46.13 55.2 70.49 53.29 45.02 39.8 31.2

SYF's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 7.47% 50.76 7.42% 50.73 3.32% 48.41 53.11
Up 7.68% 50.86 8.46% 51.23 3.35% 48.49 53.23
Down -0.67% 46.91 -0.43% 47.03 0.75% 46.39 47.44
5D Opportunity: SELL-APPROACHING
returns: 9.99% (12.7%), p.close: 47.23
entry: 53.23, exit: 53.11, min.ret: 0.22%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 4.82% 49.51 4.92% 49.56 5.28% 45.77 53.25
Up 7.27% 50.66 6.76% 50.42 4.98% 47.13 54.19
Down -1.52% 46.51 -0.75% 46.88 2.61% 44.66 48.36
5D Opportunity: SELL-APPROACHING
returns: 9.99% (14.74%), p.close: 47.23
entry: 54.19, exit: 53.25, min.ret: 1.74%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.39% 46.57 0.34% 47.39 8.76% 40.37 52.78
Up 5.34% 49.75 3.72% 48.99 4.92% 46.27 53.23
Down -5.78% 44.5 -2.57% 46.02 6.86% 39.64 49.36
5D Opportunity: SELL-APPROACHING
returns: 9.99% (12.71%), p.close: 47.23
entry: 53.23, exit: 52.78, min.ret: 0.85%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -2.1% 46.24 -1.99% 46.29 6.01% 41.98 50.49
Up 2.74% 48.52 1.68% 48.03 3.6% 45.97 51.07
Down -4.68% 45.02 -4.16% 45.26 4.68% 41.71 48.33
5D Opportunity: SELL-ACTIVE
returns: 9.99% (8.13%), p.close: 47.23
entry: 51.07, exit: 50.49, min.ret: 1.13%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.04% 47.25 0.05% 47.25 6.14% 42.9 51.6
Up 3.31% 48.79 2.04% 48.19 4.69% 45.47 52.12
Down -3.14% 45.75 -1.73% 46.41 3.91% 42.98 48.52
5D Opportunity: SELL-APPROACHING
returns: 9.99% (10.35%), p.close: 47.23
entry: 52.12, exit: 51.6, min.ret: 0.99%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.5% 47.47 0.53% 47.48 5.4% 43.64 51.29
Up 3.22% 48.75 2.31% 48.32 3.84% 46.03 51.47
Down -2.63% 45.99 -1.44% 46.55 3.48% 43.53 48.45
5D Opportunity: SELL-ACTIVE
returns: 9.99% (8.98%), p.close: 47.23
entry: 51.47, exit: 51.29, min.ret: 0.34%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall 2.19% 47.14 5.33% 48.59 10.75% 39.71 54.58
Up 8.61% 50.1 9.88% 50.69 5.65% 46.19 54.01
Down -7.32% 42.75 -4.05% 44.26 8.22% 37.06 48.44
2W Opportunity: SELL-APPROACHING
returns: 12.62% (17.08%), p.close: 46.13
entry: 54.01, exit: 54.58, min.ret: -1.05%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -3.78% 44.39 -1.32% 45.52 11.13% 36.68 52.09
Up 5.65% 48.74 4.25% 48.09 4.94% 45.32 52.15
Down -9.71% 41.65 -7.26% 42.78 8.8% 35.57 47.74
2W Opportunity: SELL-APPROACHING
returns: 12.62% (13.06%), p.close: 46.13
entry: 52.15, exit: 52.09, min.ret: 0.13%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -4.31% 44.14 -5.21% 43.73 8.32% 38.39 49.9
Up 3.32% 47.66 2.16% 47.13 3.99% 44.9 50.43
Down -7.9% 42.48 -6.8% 42.99 6.31% 38.12 46.85
2W Opportunity: SELL-ACTIVE
returns: 12.62% (9.31%), p.close: 46.13
entry: 50.43, exit: 49.9, min.ret: 1.05%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.03% 46.11 0.3% 46.27 8.69% 40.1 52.13
Up 4.89% 48.39 2.9% 47.47 5.93% 44.28 52.49
Down -4.98% 43.83 -2.99% 44.75 5.55% 39.99 47.68
2W Opportunity: SELL-APPROACHING
returns: 12.62% (13.8%), p.close: 46.13
entry: 52.49, exit: 52.13, min.ret: 0.7%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.96% 46.57 1.98% 47.04 7.6% 41.31 51.83
Up 5.0% 48.44 3.65% 47.81 5.01% 44.97 51.91
Down -4.11% 44.23 -2.29% 45.07 4.83% 40.89 47.58
2W Opportunity: SELL-ACTIVE
returns: 12.62% (12.52%), p.close: 46.13
entry: 51.91, exit: 51.83, min.ret: 0.14%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -11.21% 49.01 -10.49% 49.41 4.64% 45.17 52.86
Up 2.78% 56.74 2.42% 56.53 2.52% 54.65 58.83
Down -17.32% 45.64 -17.94% 45.3 3.16% 43.03 48.25
1M Opportunity:
returns: -5.89% (-22.05%), p.close: 55.2
entry: 43.03, exit: 45.17, min.ret: 4.97%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -9.2% 50.12 -10.08% 49.63 8.68% 42.93 57.31
Up 3.36% 57.06 2.46% 56.56 3.3% 54.32 59.79
Down -13.33% 47.84 -15.61% 46.58 7.32% 41.78 53.9
1M Opportunity:
returns: -5.89% (-24.31%), p.close: 55.2
entry: 41.78, exit: 42.93, min.ret: 2.77%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.42% 55.43 -0.31% 55.03 13.27% 44.45 66.42
Up 8.03% 59.63 5.16% 58.05 8.45% 52.64 66.62
Down -7.89% 50.84 -4.94% 52.47 7.69% 44.48 57.21
1M Opportunity:
returns: -5.89% (-19.43%), p.close: 55.2
entry: 44.48, exit: 44.45, min.ret: -0.07%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.05% 56.33 1.63% 56.1 11.09% 47.15 65.51
Up 8.13% 59.69 6.52% 58.8 7.28% 53.66 65.71
Down -6.52% 51.6 -4.56% 52.68 6.4% 46.3 56.9
1M Opportunity:
returns: -5.89% (-16.12%), p.close: 55.2
entry: 46.3, exit: 47.15, min.ret: 1.84%
Using: 1M trend, 0 Days Left

SYF's symbol current price is 51.95 (-0.42%) as on . Yesterday's close was 52.17. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 76.1% 100% 68.18% 53.03% 50.0% 48.81% 53.57%
Open-Low (> 1.0%) 88.1% 100% 86.36% 80.3% 67.42% 56.35% 53.44%
Open-Close-Up (> 0.5%) 37.15% 40.0% 36.36% 33.33% 33.33% 37.3% 39.55%
Open-Close-Down (> 0.5%) 44.37% 40.0% 50.0% 46.97% 40.91% 38.89% 37.96%
Low-Close-Up (> 1.0%) 75.64% 80.0% 77.27% 72.73% 61.36% 56.35% 57.67%
High-Close-Down (> 1.0%) 62.04% 60.0% 68.18% 62.12% 53.79% 48.41% 51.06%

SYF's symbol win percent is computed basis data from date

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