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 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 securities brokerage firms. In addition, it 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, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Financial Resilience | Synchrony Financial demonstrates strong performance with a 77.1% stock return over the past year and a robust financial health score, despite regulatory challenges |
Regulatory Headwinds | Explore Synchrony's proactive strategies to mitigate the impact of new CFPB late fee rules, potentially neutralizing financial effects by year-end 2025 |
Growth Horizons | Delve into Synchrony's expansion into healthcare financing and its success in maintaining a strong portfolio of retail partnerships, driving diversification |
Analyst Perspectives | Discover varied analyst projections, with price targets ranging from $41 to $79, reflecting differing views on Synchrony's ability to navigate market challenges |
Metrics to compare | SYF | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipSYFPeersSector | |
---|---|---|---|---|
P/E Ratio | 6.1x | 16.4x | 9.0x | |
PEG Ratio | 0.10 | 0.57 | 0.03 | |
Price/Book | 1.4x | 1.0x | 1.0x | |
Price / LTM Sales | 2.2x | 2.5x | 2.7x | |
Upside (Analyst Target) | 43.1% | 28.6% | 16.8% | |
Fair Value Upside | Unlock | 3.5% | 3.7% | Unlock |