Company Valuation: Synchrony Financial

Data adjusted to current consolidation scope
Fiscal Period: December 2021 2022 2023 2024 2025 2026 2027 2028
Market Cap 1 25,387 14,805 15,803 25,307 30,049 24,905 - -
Change - -41.68% 6.74% 60.14% 18.74% -17.12% - -
Enterprise Value (EV) 1 31,557 18,702 17,526 26,058 30,258 28,060 32,199 34,881
Change - -40.74% -6.29% 48.68% 16.12% -7.26% 14.75% 8.33%
P/E 6.32x 5.34x 7.36x 7.6x 8.99x 7.94x 7.03x 6.19x
PBR 1.89x 1.19x 1.18x 1.64x 1.86x 1.51x 1.36x 1.21x
PEG - -0.3x -0.5x 0.1x 1.05x 15.22x 0.5x 0.5x
Capitalization / Revenue 2.49x 1.27x 1.16x 1.57x 2.01x 1.62x 1.54x 1.49x
EV / Revenue 3.1x 1.6x 1.29x 1.62x 2.02x 1.83x 2x 2.08x
EV / EBITDA - - - - - - - -
EV / EBIT 5.07x 2.55x 1.98x 2.31x 3.07x 2.79x 3.01x 3.13x
EV / FCF - - - - - 9.11x 10.5x -
FCF Yield - - - - - 11% 9.49% -
Dividend per Share 2 0.88 0.9 0.96 1 1.15 1.277 1.421 1.6
Rate of return 1.9% 2.74% 2.51% 1.54% 1.38% 1.72% 1.92% 2.16%
EPS 2 7.34 6.15 5.19 8.55 9.28 9.328 10.53 11.97
Distribution rate 12% 14.6% 18.5% 11.7% 12.4% 13.7% 13.5% 13.4%
Net sales 1 10,192 11,674 13,627 16,125 14,981 15,327 16,130 16,766
EBITDA - - - - - - - -
EBIT 1 6,229 7,337 8,869 11,286 9,846 10,064 10,712 11,156
Net income 1 4,179 2,974 2,196 3,427 3,469 3,092 3,111 3,108
Net Debt 1 6,170 3,897 1,723 751 209 3,156 7,294 9,976
Reference price 2 46.39 32.86 38.19 65.00 83.43 74.04 74.04 74.04
Nbr of stocks (in thousands) 547,259 450,541 413,804 389,344 360,171 336,370 - -
Announcement Date 28/01/22 23/01/23 23/01/24 28/01/25 27/01/26 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
25.45x16.65x - 0.68% 66B
29.58x4.76x15.67x-.--% 41.31B
24.92x5.13x25.43x0.08% 30.73B
17.92x12.26x23.34x1.15% 25.27B
29.86x4.45x13.05x-.--% 22.92B
23.41x19.01x46.2x0.15% 16.01B
29.76x - - - 15.67B
12.67x - - 1.31% 12.58B
Average 24.20x 10.38x 24.74x 0.48% 28.81B
Weighted average by Cap. 25.19x 10.73x 22.44x 0.44%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

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  5. Valuation Synchrony Financial