ScoreComparison
Why is Synchrony Financial ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 20.89%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 9,876 MM
- RAW MATERIAL COST(Y) Fallen by -1.84% (YoY)
- CASH AND EQV(HY) Highest at USD 41,086 MM
3
With ROE of 17.87%, it has a attractive valuation with a 2.38 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 17.89%, its profits have risen by 1.1% ; the PEG ratio of the company is 2.3
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Synchrony Financial should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Synchrony Financial for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Synchrony Financial
20.32%
2.05
38.21%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.11%
EBIT Growth (5y)
4.14%
EBIT to Interest (avg)
14.10
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
22.62%
Dividend Payout Ratio
11.69%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
235.42%
ROE (avg)
20.89%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.38
EV to EBIT
1.63
EV to EBITDA
1.58
EV to Capital Employed
-3.54
EV to Sales
0.91
PEG Ratio
2.29
Dividend Yield
1.11%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
17.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 9,876 MM
RAW MATERIAL COST(Y)
Fallen by -1.84% (YoY
CASH AND EQV(HY)
Highest at USD 41,086 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -20.34 %
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 1,256 MM
NET PROFIT(Q)
Highest at USD 967 MM
EPS(Q)
Highest at USD 2.5
-3What is not working for the Company
INTEREST COVERAGE RATIO(Q)
Lowest at 1,285.24
NET SALES(Q)
Lowest at USD 4,712 MM
Here's what is working for Synchrony Financial
Operating Cash Flow
Highest at USD 9,876 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
Highest at USD 1,256 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 967 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 967 MM has Grown at 50.39%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 41,086 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debt-Equity Ratio
Lowest at -20.34 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Raw Material Cost
Fallen by -1.84% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 87 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Synchrony Financial
Interest Coverage Ratio
Lowest at 1,285.24
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Net Sales
Lowest at USD 4,712 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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