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Synchrony Financial (SYF)

(Delayed Data from NYSE)

$45.73 USD

-0.37 (-0.80%)

Updated May 10, 2024 04:00 PM ET

After-Market: $45.74 +0.01 (0.02%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank	Definition	Annualized Return
1	Strong Buy	24.20%
2	Buy	18.04%
3	Hold	9.52%
4	Sell	5.20%
5	Strong Sell	2.60%
S&P	500	11.13%

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3-Hold of 5 3

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score	A
Growth Score	A
Momentum Score	A
VGM Score	A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

A Value C Growth A Momentum A VGM

Industry Rank:

Top 39% (99 out of 251)

Industry: Financial - Miscellaneous Services

View All Zacks #1 Ranked Stocks

Better trading starts here.

Research for SYF

Annual Key Company Metrics
Quarterly Key Company Metrics

Income - Line of Business	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Net interest income [$M]		16,999	15,625	14,239	14,402	16,799
Total other income [$M]		289	380	481	405	371
Interchange revenue [$M]		1,031	982	880	652	748
Debt cancellation fees [$M]		--	--	--	278	265
Loyalty programs [$M]		-1,370	-1,257	-992	-649	-743
Other income: Other [$M]		118	268	309	124	101
NFM - Operating & Non Financial Metrics	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Total Average Loan receivables, i...		94,832	84,672	78,928	80,138	88,649
Total Average active accounts [K]	--	70,337	68,627	67,334	67,131	75,721
Platform Analysis - Home & Auto -...		30,722	27,835	25,663	25,663	25,662
Platform Analysis - Home & Auto -...		18,967	18,080	17,414	17,578	17,917
Platform Analysis - Home & Auto -...		5,270	4,670	4,247	4,402	4,504
Platform Analysis - Home & Auto -...		106	87	69	60	43
Platform Analysis - Digital - Ave...		26,005	22,185	19,475	19,253	18,300
Platform Analysis - Digital - Ave...		20,793	19,421	17,685	16,593	14,871
Platform Analysis - Digital - Int...		5,894	4,599	3,792	3,801	3,910
Platform Analysis - Digital - Oth...		-14	-61	-87	-54	-15
Platform Analysis - Diversified &...		18,414	16,042	14,501	15,724	17,201
Platform Analysis - Diversified &...		20,738	19,594	17,953	17,987	20,848
Platform Analysis - Diversified &...		4,533	3,610	3,115	3,528	4,090
Platform Analysis - Diversified &...		-93	-105	-28	90	62
Platform Analysis - Health & Well...		13,261	10,975	9,623	9,591	9,742
Platform Analysis - Health & Well...		7,169	6,326	5,739	5,952	6,197
Platform Analysis - Health & Well...		3,231	2,710	2,271	2,273	2,319
Platform Analysis - Health & Well...		271	217	159	107	78
Platform Analysis - Lifestyle - A...		6,246	5,552	5,135	4,727	4,447
Platform Analysis - Lifestyle - A...		2,587	2,559	2,515	2,568	2,747
Platform Analysis - Lifestyle - I...		959	814	744	734	760
Platform Analysis - Lifestyle - O...		29	28	23	20	23
Platform Analysis - Corp, Other -...		184	2,083	4,531	5,180	725
Platform Analysis - Corp, Other -...		83	2,647	6,028	6,453	13,141
Platform Analysis - Corp, Other -...		15	478	1,059	1,212	3,122
Platform Analysis - Corp, Other -...		-10	214	345	182	180
Total interest-earning assets - A...		112,181	99,995	96,576	100,806	106,433
Efficiency Ratio [%]		35	37	39	36	32
Net interest margin [%]		15	16	16	14	16
Net charge-offs as of average loa...		5	3	3	5	6
Total Risk-based Capital Ratio [%...		15	15	18	18	16
Tier 1 Risk-based Capital Ratio [...		13	14	17	17	15
Tier 1 Leverage Ratio [%]		12	12	15	14	13
Total Purchase Volume [$M]		185,178	180,187	165,854	139,084	149,411
Platform Analysis - Home & Auto -...		47,410	47,288	42,848	37,422	37,333
Platform Analysis - Digital - Pur...		55,051	51,394	44,701	35,876	29,505
Platform Analysis - Diversified &...		61,227	56,666	46,998	37,985	43,937
Platform Analysis - Health & Well...		15,565	13,569	11,715	10,025	11,091
Platform Analysis - Lifestyle - P...		5,922	5,498	5,319	4,933	4,787
Platform Analysis - Corp, Other -...	--	3	5,772	14,273	12,843	22,758
Total Period-end loan receivables...		102,988	92,470	80,740	81,867	87,215
Platform Analysis - Home & Auto -...		31,969	29,978	26,781	25,935	26,868
Platform Analysis - Digital - Per...		28,925	25,522	21,751	20,427	20,325
Platform Analysis - Diversified &...		20,666	18,617	16,075	15,761	18,719
Platform Analysis - Health & Well...		14,521	12,179	10,244	9,580	10,295
Platform Analysis - Lifestyle - P...		6,744	5,970	5,479	5,098	4,782
Platform Analysis - Corp, Other -...		163	204	410	5,066	6,226

Income - Line of Business	Qtr Estimate	03/31/2024	12/31/2023	09/30/2023	06/30/2023	03/31/2023
Net interest income [$M]		4,405	4,466	4,362	4,120	4,051
Total other income [$M]		1,157	71	92	61	65
Interchange revenue [$M]		241	270	267	262	232
Debt cancellation fees [$M]		--	--	131	125	--
Loyalty programs [$M]		-319	-369	-358	-345	-298
Other income: Other [$M]		1,094	31	52	19	16
NFM - Operating & Non Financial Metrics	Qtr Estimate	03/31/2024	12/31/2023	09/30/2023	06/30/2023	03/31/2023
Total Average Loan receivables, i...		100,957	99,683	96,230	92,489	90,815
Total Average active accounts [K]		71,667	71,526	70,308	69,517	69,494
Platform Analysis - Home & Auto -...		31,865	31,720	31,239	30,210	29,690
Platform Analysis - Home & Auto -...		18,969	19,177	19,223	18,935	18,521
Platform Analysis - Home & Auto -...		1,382	1,403	1,367	1,275	1,225
Platform Analysis - Home & Auto -...		33	26	28	27	25
Platform Analysis - Digital - Ave...		28,081	27,553	26,266	25,189	24,982
Platform Analysis - Digital - Ave...		21,349	21,177	20,768	20,559	20,564
Platform Analysis - Digital - Int...		1,567	1,579	1,530	1,422	1,363
Platform Analysis - Digital - Oth...		6	-7	-6	-2	1
Platform Analysis - Diversified &...		19,593	19,422	18,565	17,935	17,713
Platform Analysis - Diversified &...		21,032	21,038	20,410	20,346	20,807
Platform Analysis - Diversified &...		1,214	1,204	1,168	1,091	1,070
Platform Analysis - Diversified &...		-17	-30	-28	-21	-14
Platform Analysis - Health & Well...		14,697	14,251	13,600	12,859	12,309
Platform Analysis - Health & Well...		7,611	7,447	7,276	7,063	6,887
Platform Analysis - Health & Well...		869	866	844	786	735
Platform Analysis - Health & Well...		66	82	74	54	61
Platform Analysis - Lifestyle - A...		6,631	6,568	6,383	6,106	5,919
Platform Analysis - Lifestyle - A...		2,642	2,620	2,556	2,529	2,611
Platform Analysis - Lifestyle - I...		255	255	249	232	223
Platform Analysis - Lifestyle - O...		8	7	8	7	7
Platform Analysis - Corp, Other -...		90	169	177	190	202
Platform Analysis - Corp, Other -...		64	67	75	85	104
Platform Analysis - Corp, Other -...		6	16	-7	6	0
Platform Analysis - Corp, Other -...		1,061	-7	16	-4	-15
Total interest-earning assets - A...		121,794	117,340	112,689	110,635	107,952
Efficiency Ratio [%]		25	36	33	36	35
Net interest margin [%]		15	15	15	15	15
Net charge-offs as of average loa...		6	6	5	5	4
Total Risk-based Capital Ratio [%...		16	15	15	15	15
Tier 1 Risk-based Capital Ratio [...		14	13	13	13	13
Tier 1 Leverage Ratio [%]		12	12	12	12	12
Total Purchase Volume [$M]		42,387	49,339	47,006	47,276	41,557
Platform Analysis - Home & Auto -...		10,512	11,421	12,273	12,853	10,863
Platform Analysis - Digital - Pur...		12,628	15,510	13,808	13,472	12,261
Platform Analysis - Diversified &...		14,023	16,987	15,445	15,356	13,439
Platform Analysis - Health & Well...		3,980	3,870	3,990	4,015	3,690
Platform Analysis - Lifestyle - P...		1,244	1,550	1,490	1,580	1,302
Platform Analysis - Corp, Other -...	--	--	3	0	0	2
Total Period-end loan receivables...		101,733	102,988	97,873	94,801	91,129
Platform Analysis - Home & Auto -...		32,615	31,969	31,648	30,926	29,733
Platform Analysis - Digital - Per...		27,734	28,925	26,685	25,758	24,944
Platform Analysis - Diversified &...		19,559	20,666	18,865	18,329	17,702
Platform Analysis - Health & Well...		15,065	14,521	14,019	13,327	12,581
Platform Analysis - Lifestyle - P...		6,604	6,744	6,483	6,280	5,971
Platform Analysis - Corp, Other -...		156	163	173	181	198

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