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  Synchrony Financial ( SYF ) |
2014 - 2021 (7 years)

Net Revenue (Sales) is 
$15.1B (1Y -9.04% )

SYF Stock Price & Net Revenue (Sales)

Net Revenue (Sales) for SYF competitors.
MA V FLT HTZ
Note: Stonk = Stock. Both words are used interchangeably. 🙂

Historical (All-Time) Stats for Net Revenue (Sales)

chevron_right 2020 $11.6B +2.9x
( +21.5% / year avg)
chevron_left 2014 $3.0B
vertical_align_top Peak $17.4B +4.86x
vertical_align_bottom Bottom $3.0B
arrow_drop_up # Up Years 6 6 of 7
years up.
arrow_drop_down # Down Years 1
Up Years = Positive (0%+) YoY change
Down Years = Zero or Negative (0% or less) YoY change

Key Points (Stonk Price Comparison)

  • SYF's stock price has drop +29.9% from $20.76 in 2014 , or -0.24x the rate relative to it's net revenue (sales) over the same period.
  • If SYF grows it's stock at the same rate as it's net revenue (sales) (+21.5%/year) , it's stock price will grow +701% and hit $189.01 over the next 10 years.
  • SYF's stock price has gone up 4 of the 6 years (+66%) it's net revenue (sales) were also up.
  • Line Item (in $M) FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
    1 Revenue 17170000000 16383000000 15304000000 13874000000 12485000000
    2 Cost of Revenue 0.00 0.00 0.00 0.00 0.00
    3 Gross Profit (Income) 17170000000.00 0.00 0.00 0.00 0.00
    4 R&D 0.00 0.00 0.00 0.00 0.00
    5 SG&A 1940000000 1853000000 1687000000 1545000000 1339000000
    6 Other Expenses -3858000000 -3099000000 -2937000000 -2902000000 -2738000000
    7 Operating Expenses 14574000000 14609000000 13371000000 11552000000 10089000000
    8 Interest Expense 2291000000 1870000000 1391000000 1248000000 1135000000
    9 D&A 367000000 302000000 254000000 219000000 174000000
    10 EBITDA 5254000000.00 0.00 0.00 0.00 0.00
    11 Operating Income 4887000000.00 0.00 0.00 0.00 0.00
    12 Other Income Expenses (Net) 371000000.00 0.00 0.00 0.00 0.00
    13 Pre-Income Tax 4887000000 3644000000 3324000000 3570000000 3531000000
    14 Income Tax Expense 1140000000 854000000 1389000000 1319000000 1317000000
    15 Net Income 3747000000 2790000000 1935000000 2251000000 2214000000
    16 EPS 5.59 3.76 2.43 2.71 2.66
    17 EPS Diluted 5.56 3.74 2.42 2.71 2.65
    18 Shares Outstanding 583700000 742300000 795600000 829200000 833800000
    19 Shares Outstanding (Diluted) 584400000 746900000 799700000 831500000 835500000
  • Line Item (in $M) FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
    1 Cash & Cash Equivalents 12147000000 9396000000 11602000000 9321000000 12325000000
    2 Short Term Investments 0.00 0.00 0.00 0.00 0.00
    3 Cash & S-T Investments 12147000000.00 0.00 0.00 0.00 0.00
    4 Accounts Receivables 81613000000.00 0.00 0.00 0.00 0.00
    5 Inventory 0.00 0.00 0.00 0.00 0.00
    6 Other Current Assets 0.00 0.00 0.00 0.00 0.00
    7 Total Current Assets 93760000000 15458000000 16090000000 14431000000 15467000000
    8 PP&E 0.00 0.00 0.00 0.00 0.00
    9 Goodwill 1078000000 1024000000 991000000 949000000 949000000
    10 Intangible Assets 1265000000 1137000000 749000000 712000000 701000000
    11 Goodwill & Intangible Assets 2343000000 2161000000 1740000000 1661000000 1650000000
    12 L-T Investments 5911000000 6062000000 4473000000 5110000000 3142000000
    13 Tax Assets 0.00 0.00 0.00 0.00 0.00
    14 Other Non-Current Assets 0.00 0.00 0.00 0.00 0.00
    15 Total Non-Current Assets 86768000000 91334000000 79718000000 75776000000 68668000000
    16 Other Assets 18058000000 15458000000 16090000000 14431000000 15467000000
    17 Total Assets 104826000000 106792000000 95808000000 90207000000 84135000000
    18 Accounts Payables 0.00 0.00 0.00 0.00 0.00
    19 S-T Debt 11821000000.00 0.00 0.00 0.00 0.00
    20 Income Tax Payables 0.00 0.00 0.00 0.00 0.00
    21 Deferred Revenue 0.00 0.00 0.00 0.00 0.00
    22 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00
    23 Total Current Liabilities 69872000000 68118000000 60775000000 55864000000 47107000000
    24 L-T Debt 19866000000 23996000000 20799000000 20147000000 24344000000
  • Line Item (in $M) FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
    1 Net Income (Earnings) 3747000000 2790000000 1935000000 2251000000 2214000000
    2 D&A 367000000 302000000 254000000 219000000 174000000
    3 Deferred Income Tax 23000000 -53000000 385000000 389000000 -295000000
    4 Stock-Based Compensation (SBC) 0.00 0.00 0.00 0.00 0.00
    5 Change in Working Capital 76548000000 -7975000000 -3252000000 -9793000000 -7297000000
    6 Accounts Receivables -391000000.00 0.00 0.00 0.00 0.00
    7 Inventory 0.00 0.00 0.00 0.00 0.00
    8 Accounts Payables 0.00 0.00 0.00 0.00 0.00
    9 Other Working Capital 23888000000 -52660000000 -44685000000 -41433000000 -31640000000
    10 Other Non-Cash Items 608000000 601000000 649000000 525000000 429000000
    11 Net Cash Provided by Operating Activities 8990000000 9342000000 8916000000 6823000000 6184000000
    12 Investments in PP&E 0.00 0.00 0.00 0.00 0.00
    13 Acquisitions (Net) 0.00 0.00 0.00 0.00 0.00
    14 Purchase of Investments -7856000000 -7271000000 -3159000000 -3380000000 -5102000000
    15 Sales/Maturities of Investments 8085000000 5668000000 3762000000 1380000000 3538000000
    16 Other Investing Activities -588000000 -802000000 -342000000 -174000000 272000000
    17 Net Cash used for Investing Activities -261000000 -19036000000 -9410000000 -13320000000 -10803000000
    18 Debt Repayment -9477000000 -3157000000 -5410000000 -9150000000 -9993000000
    19 Common Stock Issued 0.00 0.00 0.00 0.00 0.00
    20 Common Stock Repurchased -3618000000.00 -1868000000.00 -1497000000.00 -476000000.00 0.00
    21 Dividends Paid -581000000.00 -534000000.00 -446000000.00 -214000000.00 0.00
    22 Other Financing Activities 37000000.00 -34000000.00 -5000000.00 -5000000.00 -40000000.00
    23 Net Cash Used Provided by Financing Activities -6458000000 8253000000 2775000000 3493000000 5116000000
    24 Net Change in Cash 2271000000 -1441000000 2281000000 -3004000000 497000000
  • About
    Industry: Credit Services
    Sector: Financial Services
    Country: US
    IPO Date: 7/31/2014
    Stonk Exchange: NYSE
    • Synchrony Financial engages in the provision of consumer financial services.
    • The company is headquartered in Stamford, Connecticut and currently employs 16,500 full-time employees.
    • The firm provides a range of credit products through programs it has established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.
    • The firm's revenue activities are managed through three sales platforms: Retail Card, Payment Solutions and CareCredit.
    • The company offers its credit products through its subsidiary, Synchrony Bank (the Bank).
    • Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation (FDIC), including certificates of deposit, individual retirement accounts (IRAs), money market accounts and savings accounts.
    • The firm offers three types of credit products: credit cards, commercial credit products and consumer installment loans.
    • The firm also offers a debt cancellation product.
    • The company offers two types of credit cards: private label credit cards and Dual Cards.