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Upturn AI SWOT - About
Synchrony Financial (SYF-PB)
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Upturn Advisory Summary
04/01/2025: SYF-PB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 2.76% | Avg. Invested days 82 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 59924 | Beta 1.67 | 52 Weeks Range 22.18 - 26.18 | Updated Date 04/1/2025 |
52 Weeks Range 22.18 - 26.18 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 8.24% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value 11699512320 | Price to Sales(TTM) - |
Enterprise Value 11699512320 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 386382005 |
Shares Outstanding - | Shares Floating 386382005 | ||
Percent Insiders - | Percent Institutions 39.61 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was founded in 2003 as GE Money Bank, the financial services unit of General Electric. In 2014, it separated from GE through an IPO and rebranded as Synchrony Financial. It has grown to become a major provider of private label credit cards and other consumer financial products.
Core Business Areas
- Retail Card: Offers private label and co-branded credit cards to consumers in partnership with retailers. These cards typically feature rewards programs and financing options specific to the retailer.
- Payment Solutions: Provides promotional financing for major purchases, such as furniture, electronics, and home improvement products, through a network of merchants.
- CareCredit: Offers healthcare financing options for medical, dental, and veterinary expenses.
Leadership and Structure
Brian Doubles serves as President and CEO. The company has a traditional corporate structure with various departments overseeing finance, operations, risk management, and technology.
Top Products and Market Share
Key Offerings
- Retail Card Partnerships: Synchrony partners with numerous retailers to offer branded credit cards. Market share data varies by partnership, but Synchrony is a leading provider in this space, serving many popular retailers. Competitors include Capital One, Citi, and Alliance Data Systems (Bread Financial).
- CareCredit: A leading healthcare credit card, CareCredit boasts a significant market share in the elective healthcare financing market. Competitors include PatientFi, Ally Lending, and other personal loan providers. Revenue for CareCredit is a significant portion of Synchrony's overall payment solutions segment.
- Payment Solutions (Promotional Financing): Synchrony offers promotional financing options at thousands of merchant locations. Market share data is less readily available for this segment but is substantial. Competitors include Affirm, Klarna, and other point-of-sale financing providers.
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive and influenced by economic conditions, interest rates, and regulatory changes. Growth is driven by consumer spending and the demand for credit products.
Positioning
Synchrony Financial is a leading provider of private label credit cards and promotional financing. Its competitive advantages include its long-standing relationships with retailers, its expertise in data analytics, and its diversified product offerings.
Total Addressable Market (TAM)
The global consumer finance market is estimated to be worth trillions of dollars. Synchrony is positioned to capture a significant portion of this market by focusing on its core competencies and expanding its partnerships.
Upturn SWOT Analysis
Strengths
- Strong relationships with retailers
- Expertise in data analytics
- Diversified product offerings
- Established brand recognition
- Efficient operations
Weaknesses
- Reliance on retail partnerships
- Exposure to consumer credit risk
- Sensitivity to economic downturns
- Intense competition
- Regulatory scrutiny
Opportunities
- Expanding partnerships with new retailers
- Developing innovative financial products
- Growing its digital capabilities
- Entering new markets
- Increasing penetration in existing markets
Threats
- Economic recession
- Increased competition
- Changes in consumer behavior
- Regulatory changes
- Data breaches and cyberattacks
Competitors and Market Share
Key Competitors
- ALLY
- DFS
- COF
Competitive Landscape
Synchrony has a strong position in the private label credit card market but faces significant competition from larger financial institutions. Its advantages include specialized expertise and established partnerships, while disadvantages include reliance on the health of the retail sector.
Major Acquisitions
GPShopper
- Year: 2018
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to enhance digital capabilities and provide seamless shopping experiences for consumers. (Price not disclosed).
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial's growth has been driven by its ability to forge strong partnerships with retailers and its focus on providing innovative financial solutions.
Future Projections: Future growth projections require analyst estimates. Please consult financial news sources for current data.
Recent Initiatives: Recent initiatives include expanding digital payment options, enhancing data analytics capabilities, and developing new partnerships.
Summary
Synchrony Financial is a significant player in the consumer finance sector, particularly in private label credit cards. Its strength lies in retail partnerships and data analytics, but it is vulnerable to economic downturns and competition. Recent initiatives focus on digital growth. Overall, the company is positioned for growth but needs to proactively manage risks.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
COF
Capital One Financial Corporation
COF
Capital One Financial Corporation
DFS
Discover Financial Services
DFS
Discover Financial Services
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are dynamic. Consult a qualified financial advisor before making any investment decisions.
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 - | 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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