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Synchrony Financial (SYF-PB)
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Upturn Advisory Summary
11/05/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 11.92% | Avg. Invested days 95 | 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 11/05/2025 |
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 was spun off as an independent company, Synchrony Financial (SYF). It focuses on consumer financial services, particularly credit cards and related products.
Core Business Areas
- Retail Card: Offers private label credit cards and dual cards for retailers, providing financing options for consumers at the point of sale.
- Payment Solutions: Provides promotional financing for healthcare procedures, home improvements, and other purchases.
- CareCredit: A credit card specifically for healthcare expenses, offering financing options for various medical procedures and treatments.
Leadership and Structure
Synchrony Financial is led by Brian Doubles as President and CEO. The organizational structure consists of various business units and functional departments reporting to the executive leadership team and overseen by the Board of Directors.
Top Products and Market Share
Key Offerings
- Retail Card: Private label and dual card credit programs offered in partnership with various retailers. While precise market share is difficult to determine, Synchrony is a leader in the store-branded credit card market. Competitors include Capital One, Citi, and Alliance Data Systems.
- CareCredit: A credit card for healthcare expenses. CareCredit serves millions of patients across a network of healthcare providers. Specific market share data is not readily available but CareCredit is a leading provider in this niche. Competitors include Wells Fargo Health Advantage and patient financing solutions offered by other financial institutions.
- Payment Solutions: Installment loan and other financing options at point of sale. Competitors include Affirm, Klarna and Afterpay.
Market Dynamics
Industry Overview
The consumer finance industry is characterized by intense competition, evolving regulatory landscapes, and increasing adoption of digital payment technologies. Factors like interest rates, consumer spending, and economic growth significantly impact the industry.
Positioning
Synchrony Financial holds a strong position in the store-branded credit card and healthcare financing markets. Its competitive advantages include long-standing partnerships with major retailers, a large customer base, and a diversified product portfolio.
Total Addressable Market (TAM)
The total addressable market for consumer credit is vast, estimated at trillions of dollars. Synchrony Financial is positioned to capture a significant share through its specialized financing programs and partnerships.
Upturn SWOT Analysis
Strengths
- Strong partnerships with major retailers
- Large and diversified customer base
- Specialized financing programs
- Established brand recognition
- Solid financial performance
Weaknesses
- Concentration in retail and healthcare sectors
- Exposure to consumer credit risk
- Dependence on economic conditions
- Potential for regulatory scrutiny
- Higher cost of funds than larger banks
Opportunities
- Expansion into new markets and industries
- Development of innovative payment solutions
- Leveraging digital channels for customer acquisition
- Strategic acquisitions and partnerships
- Growing demand for consumer financing
Threats
- Increased competition from fintech companies
- Economic downturns and recession risks
- Changes in consumer spending habits
- Regulatory changes affecting lending practices
- Data security breaches and cyberattacks
Competitors and Market Share
Key Competitors
- COF
- DFS
- ALLY
Competitive Landscape
Synchrony Financial competes based on its specialized financing programs, retailer partnerships, and customer service. Advantages include established relationships and a large customer base. Disadvantages include higher cost of funds and concentration in specific sectors.
Major Acquisitions
GPShopper
- Year: 2018
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded digital capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discussion of past growth trends in revenue, earnings, and customer base. Dependent on available data.
Future Projections: Analyst estimates for future revenue and earnings growth. Dependent on available analyst estimates.
Recent Initiatives: Recent strategic moves such as new partnerships, product launches, or technological investments.
Summary
Synchrony Financial holds a strong position in the consumer finance sector, particularly with its retail card partnerships and CareCredit program. The company's large customer base and diversified product offerings contribute to its stability. However, exposure to economic cycles and increasing competition from fintech companies pose challenges. Strategic expansion and technological innovation are crucial for maintaining its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, Investor presentations, Market research reports, Analyst reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximate and may vary based on source. Financial data needs to be updated to reflect recent statements.
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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