Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Revenue projections:

Revenue projections for SYF
Revenue projections for SYF

SYF is projected to experience a revenue decline compared to last year, a development that often leads to investor caution. The drop could negatively impact the company's bottom line, as lower revenues typically signal reduced profitability, prompting more conservative investment strategies.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.666874
debtToEquity 0.000000
earningsGrowth 0.036000
revenueGrowth 0.006000
grossMargins 0.000000
operatingMargins 0.502190
trailingEps 9.750000
forwardEps 10.510150

SYF's negative gross and operating margins point to losses in both production and operations. This suggests the company is facing financial challenges and may need to address cost management or improve revenue generation.
With a forward EPS greater than its trailing EPS, SYF is expected to see higher profitability this year. The forecasted increase in earnings reflects optimism about the company's financial growth and potential for improved performance over the prior year.

Price projections:

Price projections for SYF
Price projections for SYF

The price of SYF has often been situated close to the lower end of projections. This consistent trend may signal difficulties for the company in achieving investor expectations for future performance.

Insider Transactions:

Insider Transactions for SYF
Insider Transactions for SYF


SYF saw 13 transactions in which shares were sold with market price at 72.0499995304988.No sell transactions were carried out during the period under review.Investors have shown more interest in buying than selling SYF at current price levels, which may point to a positive market sentiment. This could indicate that investors are expecting favorable results from the stock in the near future.

Recommendation changes over time:

Recommendations trend for SYF
Recommendations trend for SYF


Synchrony Financial has been receiving a buy bias from analysts, indicating confidence in its investment potential. This could drive more investors to view Synchrony Financial as a reliable choice for their money, offering a promising avenue for future growth and financial gains.