Lumida
/SYF
⌘K
Synchrony Financial

Synchrony Financial

SYF
$75.99USD+0.73%+0.55 today

MARKET CAP

24.7B

P/E (TTM)

7.8x

FWD P/E

DAY RANGE

$75 – $77

52W RANGE

$63
$89

AI Summary

Stalk
Sell NowMedium

SYF’s decisive Support Failure below the prior base confirms Stage 3 distribution, shifting the medium-term bias to bearish. Short-term EMAs are declining and price is being rejected on retests of the broken support zone around the mid-76 area. Sell now on any pullback into that former support (now resistance) zone, with expectation of continued downward pressure toward the 52-week low region.

  • Record $50B Q2 purchase volume (+8% YoY) driving NII growth
  • Added over 15 partners, renewing with Suzuki to expand reach
  • 17% payment rate (+70bps YoY) pressures loan growth and margins
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$15.8B$17.5B$21.0B$24.2B$23.1B
YoY %-4.4%+11.3%+19.8%+15.1%-4.3%
P / Sales1.7x0.9x0.8x1.1x1.3x
EV / Sales6.4x5.5x5.0x4.7x5.1x
Gross Profit, Adj.$14.7B$16.0B$17.3B$19.5B$19.0B
YoY %-0.6%+8.7%+8.0%+13.0%-2.8%
Margin %93.4%91.3%82.3%80.8%82.1%
EV / Gross Profit6.8x6.1x6.1x5.8x6.2x
EBITDA, Adj.$5.5B$4.4B$2.9B$4.6B$4.6B
YoY %+1.1%-19.2%-34.7%+56.8%+1.5%
Margin %34.9%25.4%13.8%18.8%20.0%
EV / EBITDA18.2x21.8x36.3x25.1x25.7x
EBIT$5.5B$4.0B$2.9B$4.6B$4.6B
YoY %+1.1%-28.0%-26.7%+56.8%+1.5%
Margin %34.9%22.6%13.8%18.8%20.0%
EV / EBIT18.2x24.5x36.3x25.1x25.7x
Net Income$4.2B$3.0B$2.2B$3.4B$3.5B
YoY %+211.2%-28.8%-26.2%+56.1%+1.2%
Net Margin26.5%17.0%10.5%14.2%15.0%
EPS (GAAP)$7.34$6.15$5.19$8.55$9.28
YoY %+223.3%-16.2%-15.6%+64.7%+8.5%