Companies / Financials
SYF
Synchrony Financial
Consumer Finance
Consumer FinanceAnalysis in progress
In progress
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Business at a glance
Operating-health scores describe reported fundamentals on a 0–100 scale. They are not a rating of the stock. How they work
Operating health100
Growthn/a
Profitabilityn/a
Cash generationn/a
Balance sheetn/a
Dilution control100
Key ratios and five-year financials
Revenue growth (FY)—Revenue CAGR (3y)—Gross margin—Operating margin—Net margin—Free cash flow margin—R&D / revenue—Stock comp / revenue—Net debt / operating cash flow0.02xCurrent ratio—Diluted share count change-6.7%
| Fiscal year ending | FY 2021-12 | FY 2022-12 | FY 2023-12 | FY 2024-12 | FY 2025-12 |
|---|---|---|---|---|---|
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Operating cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Free cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Buybacks | $2.9B | $3.3B | $1.1B | $1.0B | $2.9B |
| Dividends | $500M | $434M | $406M | $398M | $427M |
| Cash | $8.3B | $10.3B | $14.3B | $14.7B | $15.0B |
| Total debt | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B |
| Equity | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
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