Key metrics and charts across all fundamental categories.
Stock price and market valuation
SYF trades at $76.31, a 44.1% increase year-over-year. Market capitalization stands at $26.13B, up 28.1% from the prior year. Track SYF price trends and market cap history to understand how the market values this company over time.
Revenue and earnings growth across quarters
$23.16B in TTM revenue grew 0.1% YoY, reaching $5.74B last quarter. TTM EBITDA of $5.47B on operating income of $1.05B shows growth is flowing through. Net income of $3.60B TTM confirms the company is converting revenue into profit. Revenue is growing modestly — monitor for acceleration or deceleration.
Assets, cash, debt, and leverage
With $121.50B in assets and $16.43B in long-term debt, the D/E of 1.0 shows a conservative capital structure — the company has a strong financial cushion to weather downturns.
Price multiples and return ratios
At 7.3x P/E, the stock trades below market averages — potentially undervalued. P/S of 1.1x and P/B of 1.6x provide additional context. Assess whether the current multiple is justified by the company's growth and profitability trajectory.
Operating efficiency and return metrics
Op. margin of 18.3% is up 1.0% YoY — cost efficiency is improving. Net margin at 14.0%. ROE of 21.8% shows the company generates solid returns on shareholder equity.
Free cash flow, earnings quality, and capital allocation
FCF of $2.18B on $2.18B in operating cash flow. The FCF / Net Income ratio of 0.6x indicates partial cash conversion — earnings quality needs attention. Cash reserves of $20.56B provide financial flexibility. Shares outstanding declined 11.1% YoY — buybacks are returning capital to shareholders.
