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Upturn AI SWOT - About
Synchrony Financial (SYF-PB)
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Upturn Advisory Summary
08/14/2025: SYF-PB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 8.69% | Avg. Invested days 76 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.43 | 52 Weeks Range 22.82 - 25.65 | Updated Date 06/29/2025 |
52 Weeks Range 22.82 - 25.65 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 8.19% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.04% | Operating Margin (TTM) 44.19% |
Management Effectiveness
Return on Assets (TTM) 2.44% | Return on Equity (TTM) 18.6% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 6190591488 | Price to Sales(TTM) - |
Enterprise Value 6190591488 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 378804553 |
Shares Outstanding - | Shares Floating 378804553 | ||
Percent Insiders - | Percent Institutions 35.89 |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was founded in 2003 as GE Money Bank, the financial services unit of General Electric. In 2014, it became an independent publicly traded company through an IPO.
Core Business Areas
- Retail Card: Offers credit cards branded with retailers, providing financing options for customers.
- Payment Solutions: Provides payment solutions for healthcare providers, home improvement contractors, and other industries.
- CareCredit: Offers financing options for healthcare expenses.
Leadership and Structure
Brian Doubles serves as President and CEO. The company has a traditional corporate structure with various departments including finance, technology, and marketing.
Top Products and Market Share
Key Offerings
- Retail Credit Cards: Offers a wide range of private label and co-branded credit cards. Market share in private label cards is significant. Competitors include Capital One and Citi.
- CareCredit: A health, wellness and personal care credit card. Competitors include Wells Fargo Health Advantage and patient financing solutions offered by banks and fintechs.
Market Dynamics
Industry Overview
The consumer finance industry is experiencing growth driven by increased consumer spending and demand for credit. The market is competitive, with increasing fintech disruption.
Positioning
Synchrony Financial is a leader in the store-branded credit card market, with established relationships with major retailers. Competitive advantages include its data analytics capabilities and deep industry expertise.
Total Addressable Market (TAM)
The total addressable market for consumer lending is estimated to be in the trillions of dollars. Synchrony Financial is positioned to capture a significant share of this market through its retail partnerships and specialized financing products.
Upturn SWOT Analysis
Strengths
- Strong retail partnerships
- Large customer base
- Data analytics capabilities
- Experienced management team
- Efficient operations
Weaknesses
- Dependence on retail partners
- Sensitivity to economic cycles
- High cost of acquisition of new customers
- Higher delinquency rates compared to prime lenders
Opportunities
- Expansion into new markets
- Growth in e-commerce
- Increased demand for financing options
- Partnerships with fintech companies
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Changes in consumer spending habits
Competitors and Market Share
Key Competitors
- COF
- DFS
- ALLY
Competitive Landscape
Synchrony Financial competes with other consumer finance companies, banks, and fintechs. Its strengths lie in its retail partnerships and data analytics capabilities. Weaknesses include reliance on retail partners and sensitivity to economic downturns.
Major Acquisitions
GPS Capital Markets, Inc.
- Year: 2022
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expand Payment Solutions Offering.
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial has experienced steady growth over the past few years, driven by increased consumer spending and successful partnerships.
Future Projections: Analysts project continued growth for Synchrony Financial, driven by its focus on innovation and expanding its reach.
Recent Initiatives: Recent initiatives include expanding digital payment options and investing in data analytics capabilities.
Summary
Synchrony Financial demonstrates stability through established retail partnerships and effective data analytics. Economic sensitivity and reliance on partners remain concerns. Innovation in digital payments and prudent risk management are crucial for sustainable growth. Ongoing competition within the consumer finance sector requires vigilance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and thorough research.
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 - | 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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