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Upturn AI SWOT - About
Synchrony Financial (SYF-PB)
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Upturn Advisory Summary
06/27/2025: 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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.22% | Avg. Invested days 65 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was founded in 2003 as GE Capital Retail Finance, later rebranding as Synchrony Financial in 2014 and becoming an independent public company through an IPO. It has grown to become a leading provider of consumer financial services, specializing in private label credit cards and installment lending.
Core Business Areas
- Retail Card: Offers private label credit cards and dual-branded credit cards for retailers.
- Payment Solutions: Provides promotional financing for major purchases, primarily through healthcare providers and home improvement retailers.
- CareCredit: A credit card for healthcare expenses.
Leadership and Structure
Brian Doubles is the President and CEO. The organizational structure consists of various departments including finance, technology, risk management, and marketing.
Top Products and Market Share
Key Offerings
- Retail Card Programs: Private label and co-branded credit cards offered in partnership with retailers across various industries. Market share is approximately 25% of the store-branded credit card market. Competitors include Capital One, Citi Retail Services, and Alliance Data Systems (Bread Financial).
- CareCredit: A health, wellness, and personal care credit card. Competitors include Wells Fargo Health Advantage and PatientFi. No definitive market share information available.
- Installment Loans: Offers installment loans, often through promotional financing. No definitive market share information available. Competitors include Affirm and Klarna.
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive, driven by factors like consumer spending, interest rates, and regulatory changes. Fintech companies are increasingly disrupting traditional models.
Positioning
Synchrony Financial is a leader in the private label credit card market, with strong partnerships with major retailers. Its competitive advantage lies in its deep industry expertise and customized financing solutions.
Total Addressable Market (TAM)
The TAM for consumer credit is estimated to be several trillion dollars. Synchrony is positioned well in a niche area of branded cards. It's hard to put an exact number on the TAM Synchrony competes on.
Upturn SWOT Analysis
Strengths
- Strong retailer partnerships
- Extensive industry experience
- Diversified product offerings
- Strong brand recognition (CareCredit)
- Efficient operations
Weaknesses
- Reliance on retailer partnerships
- Exposure to credit risk
- Interest rate sensitivity
- Regulatory scrutiny
Opportunities
- Expansion into new markets
- Increased online lending
- Strategic acquisitions
- Growing demand for consumer credit
- Partnerships with fintech companies
Threats
- Economic downturn
- Increased competition
- Changes in consumer behavior
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- COF
- DFS
- ALLY
Competitive Landscape
Synchrony has advantages in its dedicated retail card programs but faces competition from larger financial institutions with more diversified offerings.
Major Acquisitions
GPShopper
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to accelerate its digital transformation capabilities and provide integrated digital experiences for its retail partners.
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial has experienced consistent growth in revenue and earnings over the past years.
Future Projections: Analysts project continued growth for Synchrony Financial, driven by its strong market position and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding online lending platforms and strengthening retailer partnerships.
Summary
Synchrony Financial is a well-established player in the consumer finance industry, with a strong focus on retail card programs and health care financing. Its strengths lie in its retailer partnerships and its CareCredit program. The company needs to carefully manage its credit risk and adapt to evolving consumer preferences and fintech disruption. Overall Synchrony is healthy but must adapt.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is 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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