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Synchrony Financial (SYF-PB)
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Upturn Advisory Summary
12/05/2025: SYF-PB (1-star) is currently NOT-A-BUY. Pass it for now.
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 10.5% | Avg. Invested days 99 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/05/2025 |
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, part of General Electric. In 2014, it was spun off as an independent publicly traded company. It has since grown to become a major provider of private label credit cards and financing programs.
Core Business Areas
- Retail Card: Provides private label credit cards and dual-card programs for retailers, allowing customers to finance purchases.
- Payment Solutions: Offers promotional financing for healthcare, home improvement, and other industries through a network of providers.
- Digital: Provides financing solutions through digital channels, including mobile apps and online platforms.
Leadership and Structure
Brian Doubles is the President and CEO. The company has a hierarchical organizational structure with various departments reporting to the CEO and executive leadership team.
Top Products and Market Share
Key Offerings
- Private Label Credit Cards: Synchrony partners with retailers to offer store-branded credit cards. Market share data is complex due to the bespoke agreements and unique products for each retail partner. Competitors include Capital One, Citibank, and Alliance Data Systems.
- CareCredit: A healthcare credit card used for medical expenses not covered by insurance. Competitors include patient financing options offered by healthcare providers and other financial institutions.
Market Dynamics
Industry Overview
The consumer finance industry is competitive, with increasing demand for credit and financing options. It is also impacted by interest rate fluctuations and consumer spending habits.
Positioning
Synchrony Financial is a leader in the private label credit card market, leveraging partnerships with major retailers. Their competitive advantage lies in their customized financing solutions and partnerships.
Total Addressable Market (TAM)
The TAM for consumer finance is estimated to be in the trillions of dollars. Synchrony Financial is well-positioned to capture a significant portion of this market through its partnerships and financing programs.
Upturn SWOT Analysis
Strengths
- Strong partnerships with major retailers
- Diversified product offerings
- Established brand recognition
- Large customer base
- Advanced data analytics capabilities
Weaknesses
- Reliance on retail partnerships
- Exposure to credit risk
- Sensitivity to interest rate changes
- Dependence on consumer spending
- Potential for regulatory scrutiny
Opportunities
- Expansion into new markets
- Development of new financing products
- Increased use of technology
- Growing demand for credit
- Strategic acquisitions
Threats
- Economic downturns
- Increased competition
- Changes in consumer behavior
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- COF
- DFS
- ADS
Competitive Landscape
Synchrony Financial has advantages in its retail partnerships, while competitors may have broader product offerings or larger scale.
Major Acquisitions
GPShopper
- Year: 2018
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired for its mobile commerce platform to enhance digital capabilities. The price was undisclosed.
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial has experienced consistent growth through new partnerships and product development.
Future Projections: Analysts project continued growth, driven by increasing consumer spending and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding digital payment options and strengthening partnerships with key retailers.
Summary
Synchrony Financial is a solid company with a strong presence in the private label credit card market, benefiting from key retail partnerships. Its main strengths lie in its diversified products, established brand, and data analytics, yet it faces risks from credit losses and economic cycles. The company should focus on expanding its digital footprint and seeking new markets. Overall it is a strong company, but risks must be managed.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered 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 - | 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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