SYNCHRONY FIN. DL-,001
stock DE:SFE (FRANKFURT)

Alternative ID: US87165B1035

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  • Exchange: FRANKFURT
  • Sector: Financial
  • Industry: Credit Services
  • Market Cap: Large (18.13B)
  • Data in EUR
  • EPS: 2.95
  • Current PE: 0.60
  • BVPS: 22.06
  • Price/BVPS: 0.07
  • Dividend: 0.88 / 2.7%
  • Hist Grade: E (20.93)
  • YOY Grade: E (19.04)
  • Debt/FCF: 2.02
  • ROIC:
  • PEG: 0.02
  • PEGY: 0.01
  • Value Price: 13.03
  • MOS Price: 6.51
  • MOS %: 689.7%
  • Graham Number: 38.27
  • Graham MOS %: 2,219.5%
  • IRT: 0.00

Market Price

1.65 

-0.09 -5.2%

as of Mar 30 '23

52 Week Range:

1.52 38.53

Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

  • Exchange: FRANKFURT
  • Sector: Financial
  • Industry: Credit Services
  • Market Cap: Large (18.13B)
  • Inst. Ownership: 104.66%
  • Insider Ownership: 0.46%
  • Full Time Employees: 18000
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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement


 

Cash Flow Statement


 

Balance Sheet


 

Liquidity Ratios

Current Ratio

 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 9.81
13.35
16.18
15.66
17.04
21.95
15.88
22.06
growth rate 36.1% 21.2% -3.2% 8.8% 28.8% -27.7% 38.9%
Earnings BIT 4,059.00
4,091.00
3,867.00
growth rate 0.8% -5.5%
Avg.PE 12.62
12.52
11.68
9.30
9.30
9.30
9.30
growth rate -0.8% -6.7% -20.4% 0.0% 0.0% 0.0%
ROA 3.96
3.26
3.13
2.77
2.58
2.08
2.75
3.54
1.34
4.36
growth rate -17.7% -4.0% -11.5% -6.9% -19.4% 32.2% 28.7% -62.2% 225.4%
ROE 46.25
34.76
25.66
19.18
16.80
13.61
19.30
25.81
10.20
33.58
growth rate -24.8% -26.2% -25.3% -12.4% -19.0% 41.8% 33.7% -60.5% 229.2%
Leverage 11.67
9.91
7.23
6.68
6.35
6.73
7.28
7.30
8.02
7.41
growth rate -15.1% -27.0% -7.6% -4.9% 6.0% 8.2% 0.3% 9.9% -7.6%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Payable 34,955.00
43,367.00
52,055.00
56,488.00
64,019.00
65,154.00
62,782.00
62,270.00
growth rate 24.1% 20.0% 8.5% 13.3% 1.8% -3.6% -0.8%
Cur.Assets 13,264.00
12,716.00
9,668.00
11,817.00
10,376.00
13,372.00
11,610.00
13,047.00
growth rate -4.1% -24.0% 22.2% -12.2% 28.9% -13.2% 12.4%
Total Assets 75,707.00
83,990.00
90,207.00
95,808.00
106,792.00
104,826.00
95,948.00
95,748.00
growth rate 10.9% 7.4% 6.2% 11.5% -1.8% -8.5% -0.2%
Cash 11,828.00
12,325.00
9,321.00
11,602.00
9,396.00
12,147.00
11,524.00
8,337.00
growth rate 4.2% -24.4% 24.5% -19.0% 29.3% -5.1% -27.7%
Cur.Liabilities 37,769.00
47,107.00
55,864.00
60,574.00
67,942.00
70,412.00
68,735.00
68,107.00
growth rate 24.7% 18.6% 8.4% 12.2% 3.6% -2.4% -0.9%
Liabilities 65,229.00
71,386.00
76,011.00
81,574.00
92,114.00
89,738.00
83,247.00
82,093.00
growth rate 9.4% 6.5% 7.3% 12.9% -2.6% -7.2% -1.4%
LT Debt 27,460.00
24,279.00
20,147.00
20,799.00
23,996.00
19,116.00
14,278.00
13,758.00
growth rate -11.6% -17.0% 3.2% 15.4% -20.3% -25.3% -3.6%
Equity 10,478.00
12,604.00
14,196.00
14,234.00
14,678.00
14,354.00
11,967.00
12,921.00
growth rate 20.3% 12.6% 0.3% 3.1% -2.2% -16.6% 8.0%
Common Shares 831.00
831.00
831.00
758.00
836.00
832.00
800.00
1.00
1.00
1.00
1.00
growth rate 0.0% 0.0% -8.8% 10.3% -0.5% -3.9% -99.9% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Cash Dividends 214.00
214.00
214.00
446.00
534.00
581.00
562.00
542.00
growth rate 0.0% 0.0% 108.4% 19.7% 8.8% -3.3% -3.6%
Cash From OA 5,340.00
6,184.00
6,511.00
8,575.00
9,342.00
8,990.00
7,487.00
7,099.00
growth rate 15.8% 5.3% 31.7% 8.9% -3.8% -16.7% -5.2%
FCF per Share 5.37
5.85
7.57
8.78
10.98
11.88
10.46
10.89
growth rate 8.9% 29.4% 16.0% 25.1% 8.2% -12.0% 4.1%
Sale Purchase of Stock 2,842.00
-476.00
-476.00
-1,497.00
growth rate -100.0% 0.0% 0.0%
FCF 5,516.00
5,637.00
5,679.00
5,340.00
6,184.00
6,823.00
8,916.00
9,342.00
8,990.00
7,487.00
7,099.00
growth rate 2.2% 0.8% -6.0% 15.8% 10.3% 30.7% 4.8% -3.8% -16.7% -5.2%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 6,313.00
6,795.00
6,986.00
7,071.00
7,739.00
9,132.00
5,852.00
9,466.00
growth rate 7.6% 2.8% 1.2% 9.5% 18.0% -35.9% 61.8%
Op.Income 3,540.00
3,750.00
3,773.00
3,637.00
3,883.00
5,160.00
2,172.00
5,607.00
growth rate 5.9% 0.6% -3.6% 6.8% 32.9% -57.9% 158.2%
IBT 3,386.00
3,531.00
3,570.00
3,324.00
3,644.00
4,887.00
1,797.00
5,503.00
growth rate 4.3% 1.1% -6.9% 9.6% 34.1% -63.2% 206.2%
Net Income 2,109.00
2,214.00
2,251.00
1,935.00
2,790.00
3,747.00
1,385.00
4,221.00
growth rate 5.0% 1.7% -14.0% 44.2% 34.3% -63.0% 204.8%
EPS 2.28
2.55
2.38
2.78
2.65
2.71
2.42
3.74
5.56
2.27
7.34
growth rate 11.8% -6.7% 16.8% -4.7% 2.3% -10.7% 54.6% 48.7% -59.2% 223.4%
Gross Profit 6,313.00
6,795.00
6,986.00
7,071.00
7,739.00
9,132.00
5,852.00
9,466.00
growth rate 7.6% 2.8% 1.2% 9.5% 18.0% -35.9% 61.8%

Quarterly Statements

Item Name Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Earnings BIT
growth rate
Balance Sheet Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Acct.Payable 60,353.00
62,270.00
63,575.00
64,709.00
68,404.00
growth rate 3.2% 2.1% 1.8% 5.7%
Cur.Assets 13,350.00
13,047.00
14,970.00
10,790.00
13,061.00
growth rate -2.3% 14.7% -27.9% 21.1%
Total Assets 91,937.00
95,748.00
95,267.00
95,200.00
100,766.00
growth rate 4.2% -0.5% -0.1% 5.9%
Cash 9,806.00
8,337.00
10,541.00
10,682.00
11,962.00
growth rate -15.0% 26.4% 1.3% 12.0%
Cur.Liabilities 65,241.00
68,107.00
69,239.00
69,650.00
73,433.00
growth rate 4.4% 1.7% 0.6% 5.4%
Liabilities 78,001.00
82,093.00
81,849.00
81,807.00
87,754.00
growth rate 5.3% -0.3% -0.1% 7.3%
LT Debt 12,760.00
13,758.00
12,610.00
12,157.00
14,321.00
growth rate 7.8% -8.3% -3.6% 17.8%
Equity 13,202.00
12,921.00
12,684.00
12,659.00
12,278.00
growth rate -2.1% -1.8% -0.2% -3.0%
Common Shares 1.00
1.00
1.00
1.00
1.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Cash Dividends 135.00
130.00
124.00
119.00
120.00
growth rate -3.7% -4.6% -4.0% 0.8%
Cash From OA 1,815.00
2,004.00
1,396.00
1,817.00
1,634.00
growth rate 10.4% -30.3% 30.2% -10.1%
Sale Purchase of Stock
growth rate
Income Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Sales 2,461.00
2,169.00
2,272.00
2,149.00
1,986.00
growth rate -11.9% 4.8% -5.4% -7.6%
Op.Income 1,500.00
1,151.00
1,233.00
1,066.00
922.00
growth rate -23.3% 7.1% -13.5% -13.5%
IBT 1,500.00
1,047.00
1,233.00
1,066.00
922.00
growth rate -30.2% 17.8% -13.5% -13.5%
Net Income 1,141.00
813.00
932.00
804.00
703.00
growth rate -28.8% 14.6% -13.7% -12.6%
Gross Profit 2,461.00
2,169.00
2,272.00
2,149.00
1,986.00
growth rate -11.9% 4.8% -5.4% -7.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (20.93)

YOY Growth Grade:

E (19.04)

Click on buttons above for detailed yearly growth rates.

Market Ratios

  • Dividend Yield: 2.7%

  • Beta: 1.55

    Beta of 1.5457 suggests that the asset is more volatile than the rest of the market.

  • PE: 0.60

  • EY: 167.7%

  • PEG: 0.02

    PEG Ratio of 0.02 suggests that stock is underpriced.

  • PEGY: 0.01

    PEGY Ratio of 0.01 suggests that stock is underpriced.

  • Price/BVPS: 0.07

    Price to BVPS Ratio of 0.07 suggests that stock is undervalued.

Profitability Ratios

  • ROE: 33.6%

    Return on Equity (ROE) of 33.6% suggests that a company is doing well.

  • ROS: 59.2%

    The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.

  • ROA: 5.8%

    Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.

  • ROI: 42.6%

    Return on Investment (ROI) of 42.6% suggests that a company is doing well.

  • ROIC:

Liquidity Ratios

  • Current Ratio: 0.19

    Current Ratio of 0.19 suggests that a company may not be able to pay off bills as rapidly as it should.

  • Quick Ratio:

  • Cash Turnover: -0.17

    Turnover Of Cash Ratio of -0.17 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.

  • Equity Ratio: 13.5%

    Equity Ratio of 13.5% suggests that a company has high financing and debt service costs, not very attractive to investors.

  • Debt/Equity: 635.4%

    Debt to Equity Ratio of 635.4% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.

  • Debt/FCF: 2.02

    Debt/FCF of 2.02 suggests that a company is doing well and can pay off its long term debt within three years.

Efficiency Ratios

  • Avg Collection Period:

  • Inventory Turnover:

  • Cash Flow Ratio:

  • Profit Margin: 44.6%

Value Price

PE and EPS

Historical Current Forward
PE 11.13 0.56 6.03
EPS / Growth 11.3% 2.95 38.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.2% 6.2%
Future PE 2.00 9.83 9.83
Future EPS 3.26 5.37 5.37
Value Price
MOS %		 1.61
-2.3% 		13.03
689.7% 		13.03
689.7%
MOS Price 0.81 6.51 6.51
IRT 0.00 0.00 0.00

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

  • Graham Number: 38.27
  • Graham MOS: 2,219.5%

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