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Synchrony Financial (SYF)

(Delayed Data from NYSE)

$55.25 USD

+0.11 (0.20%)

Updated Nov 1, 2024 04:00 PM ET

After-Market: $55.24 -0.01 (-0.02%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank	Definition	Annualized Return
1	Strong Buy	24.10%
2	Buy	17.80%
3	Hold	9.50%
4	Sell	2.70%
5	Strong Sell	2.70%
S&P	500	11.20%

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1-Strong Buy of 5 1

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score	A
Growth Score	A
Momentum Score	A
VGM Score	A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

A Value C Growth C Momentum A VGM

Industry Rank:

Top 38% (95 out of 250)

Industry: Financial - Miscellaneous Services

View All Zacks #1 Ranked Stocks

Better trading starts here.

Research for SYF

Annual Key Company Metrics
Quarterly Key Company Metrics

Income - Line of Business	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Net interest income [$M]	--	16,999	15,625	14,239	14,402	16,799
Total other income [$M]	--	289	380	481	405	371
Interchange revenue [$M]	--	1,031	982	880	652	748
Loyalty programs [$M]	--	-1,370	-1,257	-992	-649	-743
Other income: Other [$M]	--	118	268	309	124	101
Protection product revenue [$M]	--	510	387	284	--	--
NFM - Operating & Non Financial Metrics	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Total Average active accounts [K]	--	70,337	68,627	67,334	67,131	75,721
Platform Analysis - Home & Auto -...	--	30,722	27,835	25,663	25,663	25,662
Platform Analysis - Home & Auto -...	--	18,967	18,080	17,414	17,578	17,917
Platform Analysis - Home & Auto -...	--	5,270	4,670	4,247	4,402	4,504
Platform Analysis - Home & Auto -...	--	106	87	69	60	43
Platform Analysis - Digital - Ave...	--	26,005	22,185	19,475	19,253	18,300
Platform Analysis - Digital - Ave...	--	20,793	19,421	17,685	16,593	14,871
Platform Analysis - Digital - Int...	--	5,894	4,599	3,792	3,801	3,910
Platform Analysis - Digital - Oth...	--	-14	-61	-87	-54	-15
Platform Analysis - Diversified &...	--	18,414	16,042	14,501	15,724	17,201
Platform Analysis - Diversified &...	--	20,738	19,594	17,953	17,987	20,848
Platform Analysis - Diversified &...	--	4,533	3,610	3,115	3,528	4,090
Platform Analysis - Diversified &...	--	-93	-105	-28	90	62
Platform Analysis - Health & Well...	--	13,261	10,975	9,623	9,591	9,742
Platform Analysis - Health & Well...	--	7,169	6,326	5,739	5,952	6,197
Platform Analysis - Health & Well...	--	3,231	2,710	2,271	2,273	2,319
Platform Analysis - Health & Well...	--	271	217	159	107	78
Platform Analysis - Lifestyle - A...	--	6,246	5,552	5,135	4,727	4,447
Platform Analysis - Lifestyle - A...	--	2,587	2,559	2,515	2,568	2,747
Platform Analysis - Lifestyle - I...	--	959	814	744	734	760
Platform Analysis - Lifestyle - O...	--	29	28	23	20	23
Platform Analysis - Corp, Other -...	--	184	2,083	4,531	5,180	725
Platform Analysis - Corp, Other -...	--	83	2,647	6,028	6,453	13,141
Platform Analysis - Corp, Other -...	--	15	478	1,059	1,212	3,122
Platform Analysis - Corp, Other -...	--	-10	214	345	182	180
Total interest-earning assets - A...	--	112,181	99,995	96,576	100,806	106,433
Efficiency Ratio [%]	--	35	37	39	36	32
Net interest margin [%]	--	15	16	16	14	16
Net charge-offs as of average loa...	--	5	3	3	5	6
Total Risk-based Capital Ratio [%...	--	15	15	18	18	16
Tier 1 Risk-based Capital Ratio [...	--	13	14	17	17	15
Tier 1 Leverage Ratio [%]	--	12	12	15	14	13
Total Purchase Volume [$M]	--	185,178	180,187	165,854	139,084	149,411
Platform Analysis - Home & Auto -...	--	47,410	47,288	42,848	37,422	37,333
Platform Analysis - Digital - Pur...	--	55,051	51,394	44,701	35,876	29,505
Platform Analysis - Diversified &...	--	61,227	56,666	46,998	37,985	43,937
Platform Analysis - Health & Well...	--	15,565	13,569	11,715	10,025	11,091
Platform Analysis - Lifestyle - P...	--	5,922	5,498	5,319	4,933	4,787
Total Period-end loan receivables...	--	102,988	92,470	80,740	81,867	87,215
Platform Analysis - Home & Auto -...	--	31,969	29,978	26,781	25,935	26,868
Platform Analysis - Digital - Per...	--	28,925	25,522	21,751	20,427	20,325
Platform Analysis - Diversified &...	--	20,666	18,617	16,075	15,761	18,719
Platform Analysis - Health & Well...	--	14,521	12,179	10,244	9,580	10,295
Platform Analysis - Lifestyle - P...	--	6,744	5,970	5,479	5,098	4,782
Platform Analysis - Corp, Other -...	--	163	204	410	5,066	6,226
Total Average Loan receivables, i...	--	94,832	84,672	78,928	80,138	88,649

Income - Line of Business	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Net interest income [$M]	--	4,609	4,405	4,405	4,466	4,362
Total other income [$M]	--	119	117	1,157	71	92
Interchange revenue [$M]	--	256	263	241	270	267
Loyalty programs [$M]	--	-346	-346	-319	-369	-358
Other income: Other [$M]	--	64	75	1,094	31	52
Protection product revenue [$M]	--	145	125	141	139	131
NFM - Operating & Non Financial Metrics	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Total Average active accounts [K]	--	70,424	70,974	71,667	71,526	70,308
Platform Analysis - Home & Auto -...	--	32,613	32,592	31,865	31,720	31,239
Platform Analysis - Home & Auto -...	--	19,157	19,335	18,969	19,177	19,223
Platform Analysis - Home & Auto -...	--	1,489	1,419	1,382	1,403	1,367
Platform Analysis - Home & Auto -...	--	56	38	33	26	28
Platform Analysis - Digital - Ave...	--	27,704	27,542	28,081	27,553	26,266
Platform Analysis - Digital - Ave...	--	20,787	20,920	21,349	21,177	20,768
Platform Analysis - Digital - Int...	--	1,593	1,544	1,567	1,579	1,530
Platform Analysis - Digital - Oth...	--	4	0	6	-7	-6
Platform Analysis - Diversified &...	--	19,413	19,360	19,593	19,422	18,565
Platform Analysis - Diversified &...	--	19,960	20,253	21,032	21,038	20,410
Platform Analysis - Diversified &...	--	1,209	1,165	1,214	1,204	1,168
Platform Analysis - Diversified &...	--	-11	-22	-17	-30	-28
Platform Analysis - Health & Well...	--	15,311	15,111	14,697	14,251	13,600
Platform Analysis - Health & Well...	--	7,801	7,752	7,611	7,447	7,276
Platform Analysis - Health & Well...	--	956	911	869	866	844
Platform Analysis - Health & Well...	--	68	48	66	82	74
Platform Analysis - Lifestyle - A...	--	6,823	6,723	6,631	6,568	6,383
Platform Analysis - Lifestyle - A...	--	2,677	2,662	2,642	2,620	2,556
Platform Analysis - Lifestyle - I...	--	270	258	255	255	249
Platform Analysis - Lifestyle - O...	--	9	6	8	7	8
Platform Analysis - Corp, Other -...	--	145	150	90	169	177
Platform Analysis - Corp, Other -...	--	42	52	64	67	75
Platform Analysis - Corp, Other -...	--	5	4	6	16	-7
Platform Analysis - Corp, Other -...	--	-7	47	1,061	-7	16
Total interest-earning assets - A...	--	121,912	122,546	121,794	117,340	112,689
Efficiency Ratio [%]	--	31	32	25	36	33
Net interest margin [%]	--	15	14	15	15	15
Net charge-offs as of average loa...	--	6	6	6	6	5
Total Risk-based Capital Ratio [%...	--	16	16	16	15	15
Tier 1 Risk-based Capital Ratio [...	--	14	14	14	13	13
Tier 1 Leverage Ratio [%]	--	13	12	12	12	12
Total Purchase Volume [$M]	--	44,985	46,846	42,387	49,339	47,006
Platform Analysis - Home & Auto -...	--	11,361	12,496	10,512	11,421	12,273
Platform Analysis - Digital - Pur...	--	13,352	13,403	12,628	15,510	13,808
Platform Analysis - Diversified &...	--	14,992	15,333	14,023	16,987	15,445
Platform Analysis - Health & Well...	--	3,867	4,089	3,980	3,870	3,990
Platform Analysis - Lifestyle - P...	--	1,411	1,525	1,244	1,550	1,490
Total Period-end loan receivables...	--	102,193	102,284	101,733	102,988	97,873
Platform Analysis - Home & Auto -...	--	32,542	32,822	32,615	31,969	31,648
Platform Analysis - Digital - Per...	--	27,771	27,704	27,734	28,925	26,685
Platform Analysis - Diversified &...	--	19,466	19,516	19,559	20,666	18,865
Platform Analysis - Health & Well...	--	15,439	15,280	15,065	14,521	14,019
Platform Analysis - Lifestyle - P...	--	6,831	6,822	6,604	6,744	6,483
Platform Analysis - Corp, Other -...	--	144	140	156	163	173
Total Average Loan receivables, i...	--	102,009	101,478	100,957	99,683	96,230

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