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Upturn AI SWOT - About
SYF 
Synchrony Financial (SYF)
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Upturn Advisory Summary
04/01/2025: SYF (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 25.06% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 20.58B USD | Price to earnings Ratio 6.19 | 1Y Target Price 75.52 |
Price to earnings Ratio 6.19 | 1Y Target Price 75.52 | ||
Volume (30-day avg) 4823744 | Beta 1.67 | 52 Weeks Range 38.91 - 70.67 | Updated Date 04/1/2025 |
52 Weeks Range 38.91 - 70.67 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.89% | Basic EPS (TTM) 8.55 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 37.26% | Operating Margin (TTM) 52.01% |
Management Effectiveness
Return on Assets (TTM) 2.95% | Return on Equity (TTM) 22.96% |
Valuation
Trailing PE 6.19 | Forward PE 7.06 | Enterprise Value 22553397248 | Price to Sales(TTM) 2.19 |
Enterprise Value 22553397248 | Price to Sales(TTM) 2.19 | ||
Enterprise Value to Revenue 2.31 | Enterprise Value to EBITDA - | Shares Outstanding 388750016 | Shares Floating 386382005 |
Shares Outstanding 388750016 | Shares Floating 386382005 | ||
Percent Insiders 0.59 | Percent Institutions 99.96 |
Analyst Ratings
Rating 4.13 | Target Price 74.31 | Buy 6 | Strong Buy 10 |
Buy 6 | Strong Buy 10 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was founded in 2003 as GE Capital Retail Finance. It became an independent public company in 2014. It has evolved from a financing arm of GE to a leading consumer financial services company.
Core Business Areas
- Retail Card: Provides private label credit cards and dual-card programs to retailers, enabling them to offer financing options to their customers.
- Payment Solutions: Offers promotional financing for major purchases, such as furniture, appliances, and elective medical procedures.
- CareCredit: A healthcare credit card used for medical, dental, vision, and veterinary care expenses.
Leadership and Structure
Brian Doubles is the President and CEO. The company has a board of directors and operates with a typical corporate structure, with various departments like finance, marketing, technology, and operations.
Top Products and Market Share
Key Offerings
- CareCredit: Healthcare credit card for medical expenses. Competitors are Wells Fargo Health Advantage, and patient financing solutions from companies like LendingClub.
- Retail Card Programs: Private label and co-branded credit cards offered in partnership with retailers. Market share data is difficult to pinpoint precisely due to the diverse range of retail partners and evolving credit card market, however, they are a major player in store-branded credit cards. Competitors include Capital One, Citi Retail Services, and Alliance Data Systems.
- Payment Solutions: Promotional financing programs for various sectors. Market Share Data is hard to determine, but large player. Competitors include Affirm and other Buy Now Pay Later providers.
Market Dynamics
Industry Overview
The consumer finance industry is driven by consumer spending and borrowing trends. It's influenced by interest rates, economic conditions, and regulatory changes. The industry is competitive, with banks, credit card companies, and fintech firms vying for market share.
Positioning
Synchrony Financial is a leader in store-branded credit cards and promotional financing. Its competitive advantages include its established partnerships with retailers and its focus on customer service and data analytics.
Total Addressable Market (TAM)
The TAM for the consumer credit market is multi-billion dollar and hard to determine due to various sectors. Synchrony is positioned with strategic partnerships and focus on retail and healthcare finance to maintain high share.
Upturn SWOT Analysis
Strengths
- Strong partnerships with major retailers
- Focus on data analytics and customer insights
- Diversified product offerings
- Established brand recognition
- Large customer base
Weaknesses
- Dependence on retail spending trends
- Exposure to credit risk
- Vulnerable to economic downturns
- Concentration of revenue from a few key partners
Opportunities
- Expansion into new markets and industries
- Development of innovative financial products
- Increased adoption of digital payment technologies
- Growing demand for healthcare financing
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
- Economic recession
- Data security breaches
Competitors and Market Share
Key Competitors
- COF
- DFS
- ALLY
- Synchrony Financial
Competitive Landscape
Synchrony Financial competes with other financial institutions, fintech companies, and retailers that offer financing options. Its advantages include its partnerships, data analytics capabilities, and focus on customer service.
Major Acquisitions
GPShopper
- Year: 2018
- Acquisition Price (USD millions): 55
- Strategic Rationale: Enhanced digital capabilities for retail partners and customers.
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial's growth has been driven by its partnerships, expansion into new markets, and product innovation.
Future Projections: Analyst projections suggest continued growth, driven by consumer spending and demand for financing options. These projections would need to be updated on current financial data.
Recent Initiatives: Recent initiatives include investments in digital technology, expansion of partnerships, and product enhancements.
Summary
Synchrony Financial is a strong player in the consumer finance industry, particularly in store-branded credit cards and healthcare financing. Its partnerships with major retailers and focus on data analytics are key strengths. However, it is vulnerable to economic downturns and increasing competition from fintech companies and they must maintain its focus on digital evolution.
Similar Companies
ALLY
Ally Financial Inc
ALLY
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COF
Capital One Financial Corporation
COF
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DFS
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DFS
Discover Financial Services
PYPL
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PYPL
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Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market conditions and company performance are subject to change. The market share numbers are estimates.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Synchrony Financial
Exchange NYSE | Headquaters Stamford, CT, United States | ||
IPO Launch date 2014-07-31 | President, CEO & Director Mr. Brian D. Doubles | ||
Sector Financial Services | Industry Credit Services | Full time employees 20000 | Website https://www.synchrony.com |
Full time employees 20000 | Website https://www.synchrony.com | ||
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company 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 securities brokerage firms. In addition, it 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, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company 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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