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Upturn AI SWOT - About
SYF 
Synchrony Financial (SYF)
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Upturn Advisory Summary
08/14/2025: SYF (5-star) is a STRONG-BUY. BUY since 59 days. Profits (27.79%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $79.68
1 Year Target Price $79.68
| 9 | Strong Buy |
| 5 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 73.08% | Avg. Invested days 56 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 27.10B USD | Price to earnings Ratio 8.85 | 1Y Target Price 79.68 |
Price to earnings Ratio 8.85 | 1Y Target Price 79.68 | ||
Volume (30-day avg) 22 | Beta 1.48 | 52 Weeks Range 40.15 - 73.44 | Updated Date 08/15/2025 |
52 Weeks Range 40.15 - 73.44 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.45% | Basic EPS (TTM) 8.23 |
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 1.79 | Actual 2.5 |
Profitability
Profit Margin 35.79% | Operating Margin (TTM) 50.22% |
Management Effectiveness
Return on Assets (TTM) 2.73% | Return on Equity (TTM) 20.23% |
Valuation
Trailing PE 8.85 | Forward PE 9.74 | Enterprise Value 24870950912 | Price to Sales(TTM) 2.95 |
Enterprise Value 24870950912 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 2.76 | Enterprise Value to EBITDA - | Shares Outstanding 372057984 | Shares Floating 370074481 |
Shares Outstanding 372057984 | Shares Floating 370074481 | ||
Percent Insiders 0.3 | Percent Institutions 103.9 |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was founded in 2003 as GE Money Bank. It spun off from GE in 2014 and rebranded as Synchrony Financial. It focuses on providing consumer financial services, including credit cards, installment loans, and savings products.
Core Business Areas
- Retail Card: Provides credit cards for national and regional retailers, allowing customers to make purchases on credit at those retailers. It represents the biggest percentage of Synchrony's net interest income.
- Payment Solutions: Offers promotional financing for healthcare, home improvement, and other consumer needs. This allows healthcare patients, home builders, and other consumers to defer payments, using their SYF card.
- CareCredit: A credit card dedicated to healthcare expenses, offering financing options for medical, dental, and veterinary services.
Leadership and Structure
Brian Doubles is the President and CEO. The company operates with a traditional corporate structure, including a Board of Directors overseeing management. The organizational structure is divided by business segments and functional areas like risk, finance, and technology.
Top Products and Market Share
Key Offerings
- Retail Credit Cards: Synchrony partners with retailers to offer private-label and co-branded credit cards. Market share varies by retailer but Synchrony is among the largest providers. Competitors include Capital One, Citibank and Chase.
- CareCredit Healthcare Financing: A leading financing option for healthcare procedures not typically covered by insurance. Competitors include Wells Fargo Health Advantage and patient financing programs offered directly by healthcare providers.
Market Dynamics
Industry Overview
The consumer finance industry is driven by consumer spending, interest rates, and credit availability. Fintech companies are entering the space creating more competition. Rising interest rates can impact profitability but also increase net interest margin. There is increasing need for better fraud protection.
Positioning
Synchrony Financial focuses on partnerships with retailers and service providers. Their competitive advantages include established relationships and data analytics capabilities. It focuses on store credit cards, and healthcare finance to set itself apart from broad banks and credit lenders.
Total Addressable Market (TAM)
The total credit card market in the US is valued at over $1 trillion. Synchrony Financial is positioned to capture a portion of this market through its partnerships and financing programs.
Upturn SWOT Analysis
Strengths
- Strong Retailer Partnerships
- Large Data Analytics Capabilities
- Focus on Consumer Financing
- Established Brand Recognition
- Diverse product offerings
Weaknesses
- Reliance on Retail Spending
- Exposure to Credit Risk
- Sensitivity to Interest Rate Fluctuations
- Concentration of Revenue in a Few Key Partners
- Customer Acquisition Costs
Opportunities
- Expansion into New Verticals
- Growth in Digital Payment Solutions
- Partnerships with Fintech Companies
- Increasing Healthcare Financing Needs
- Growing demand for installment payment options
Threats
- Increased Competition from Fintech Companies
- Economic Downturns and Recessions
- Regulatory Changes
- Data Security Breaches
- Changes in Consumer Spending Habits
Competitors and Market Share
Key Competitors
- Capital One (COF)
- American Express (AXP)
- Discover Financial Services (DFS)
Competitive Landscape
Synchrony differentiates itself through its focus on retail partnerships and healthcare financing. It faces competition from large banks and other credit card issuers.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by expansion of retailer partnerships and increasing consumer spending.
Future Projections: Projections depend on broader economic conditions and the company's ability to maintain and grow its partnerships.
Recent Initiatives: Recent initiatives include expanding digital payment solutions and focusing on healthcare financing growth.
Summary
Synchrony Financial is a large player in the retail credit card and consumer finance market. It has partnerships with large brands that keep it competitive. It needs to be careful about risks in the economy such as rising interest rates and potential economic downturns. Fintech companies coming into the space are also potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Market Analysis Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Synchrony Financial
Exchange NYSE | Headquaters Stamford, CT, United States | ||
IPO Launch date 2014-07-31 | President, CEO & Director Mr. Brian D. Doubles | ||
Sector Financial Services | Industry Credit Services | Full time employees 20000 | Website https://www.synchrony.com |
Full time employees 20000 | Website https://www.synchrony.com | ||
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.
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