Synchrony Financial (SYF)
合理估值基本面
73
价格
$70.69
市值
$23.27B
第一部分 · 这家公司值多少
概览
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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资产负债表与流动性
营收
$19.25B
最近12个月（截至2026/6/30）
净利润
$3.52B
最近12个月（截至2026/6/30）
自由现金流
-
股东权益合计
$16.77B
负债合计
$102.33B
流动比率
-
利息覆盖率
0.25
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$77.76
当前价格
$70.69
安全边际
+9.1%
公允价值区间
$50.54 - $104.98
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
7.28
ROE
21.2%
市净率（P/B）
1.37
P/FCF
-
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
13.4%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（4）
- Debt/Equity ratio
- Interest Coverage
- DCF valuation (Unknown)
- Revenue Growth 5Y 0.9%
不可用（8）
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 |
审计风险
6
董事会风险
2
薪酬风险
3
股东权利风险
5
第二部分 · 价格与买入时机
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损益历史
via SEC EDGAR
Latest News
Recent headlines for SYF, sourced from Markets Gazette.