Synchrony Financial (SYF)
Valor JustoFundamental
73
Precio
$70.97
Capitalización Bursátil
$23.27B
Parte 1 · Cuánto vale la empresa
Resumen
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 firms. In addition, the company 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, Pandora, Polaris, Suzuki, and Sweetwater. It 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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Direct competitors
Who this company fights with for the same customers
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Balance y Liquidez
Ingresos
$19.25B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$3.52B
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
-
Patrimonio Neto Total
$16.77B
Pasivo Total
$102.33B
Ratio de Liquidez
-
Cobertura de Intereses
0.25
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$77.76
Precio Actual
$70.97
Margen de Seguridad
+8.7%
Rango de Valor Justo
$50.54 - $104.98
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
7.28
ROE
21.2%
Ratio P/B
1.37
P/FCF
-
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
13.4%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (16)
- EPS shows upward trend
- EPS CAGR 9.07%
- Price CAGR 7.68%
- P/B Ratio 1.37
- Operating Margin 24.0%
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 20.9%
- Analyst Consensus 64% Buy
- Earnings Surprise avg 12.6%
- PEG Ratio 0.21
- Earnings Quality (OCF/NI) 2.76
- Share Dilution -6.5%
- Net Margin Trend 18.3% vs 17.6%
- Piotroski F-Score 6/9
Fallido (4)
- Debt/Equity ratio
- Interest Coverage
- DCF valuation (Unknown)
- Revenue Growth 5Y 0.9%
No disponible (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Brian D. Doubles | President, CEO & Director | 49 |
| Mr. Brian J. Wenzel Sr. | Executive VP & CFO | 57 |
| Mr. Jonathan S. Mothner Esq., J.D. | Executive VP and Chief Risk & Legal Officer | 61 |
| Ms. Carol D. Juel | Executive VP & CEO of Digital Platform | 52 |
| Mr. Curtis Howse | Executive VP and CEO of Home & Auto | 61 |
| Mr. D.J. Casto | Executive VP and Chief People & Operations Officer | - |
| Ms. Amy L. Tiliakos | Senior VP, Chief Accounting Officer & Controller | 42 |
| Mr. Florin Arghirescu | Executive VP & CTO | - |
| Ms. Kathryn Harmon Miller | Senior Vice President & Director of Investor Relations | - |
| Mr. Alberto Casellas | Executive VP and CEO of Health & Wellness | 58 |
Riesgo de Auditoría
6
Riesgo del Consejo
2
Riesgo de Compensación
3
Riesgo de Derechos del Accionista
5
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-06
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-23
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-14
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for SYF, sourced from Markets Gazette.