Synchrony Financial (SYF): Price and Financial Metrics

SYF POWR Grades

• Quality is the dimension where SYF ranks best; there it ranks ahead of 93.31% of US stocks.
• The strongest trend for SYF is in Growth, which has been heading down over the past 179 days.
• SYF ranks lowest in Sentiment; there it ranks in the 17th percentile.

SYF Stock Summary

• With a price/earnings ratio of 4.88, SYNCHRONY FINANCIAL P/E ratio is greater than that of about just 11.12% of stocks in our set with positive earnings.
• The price/operating cash flow metric for SYNCHRONY FINANCIAL is higher than just 7.9% of stocks in our set with a positive cash flow.
• Revenue growth over the past 12 months for SYNCHRONY FINANCIAL comes in at -16.38%, a number that bests only 13.06% of the US stocks we're tracking.
• Stocks that are quantitatively similar to SYF, based on their financial statements, market capitalization, and price volatility, are UNM, PRI, AFG, MGA, and WHR.
• SYF's SEC filings can be seen here. And to visit SYNCHRONY FINANCIAL's official web site, go to www.synchrony.com.

SYF Valuation Summary

• In comparison to the median Financial Services stock, SYF's price/sales ratio is 77.78% higher, now standing at 1.6.
• Over the past 107 months, SYF's price/sales ratio has gone down 1.5.

Below are key valuation metrics over time for SYF.

SYF Growth Metrics

The year over year price growth rate now stands at -2.28%.
• Its 5 year net cashflow from operations growth rate is now at 16.47%.
• Its 3 year net income to common stockholders growth rate is now at 25.48%.

SYF's revenue has moved up $288,000,000 over the prior 34 months.

The table below shows SYF's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-12-31	8,299	6,694	2,974
2022-09-30	8,576	6,851	3,210
2022-06-30	9,051	7,032	3,648
2022-03-31	9,491	6,656	4,087
2021-12-31	9,466	7,099	4,179
2021-09-30	9,241	7,181	4,104

SYF's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SYF has a Quality Grade of B, ranking ahead of 90.42% of graded US stocks.
• SYF's asset turnover comes in at 0.098 -- ranking 48th of 428 Banking stocks.
• AXP, COF, and MRLN are the stocks whose asset turnover ratios are most correlated with SYF.

The table below shows SYF's key quality metrics over time.