Synchrony Financial
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
11.809.96
Price/Sales ratio
2.572.42
Earnings per Share (EPS)
$6.02$7.13

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.6811.4513.3615.876.246.4414.766.205.237.188.176.24
Price/Sales ratio
2.442.602.742.481.311.811.832.560.982.091.401.31
Price/Book Value ratio
2.152.012.112.151.181.591.601.911.221.151.611.18
Price/Cash Flow ratio
4.214.104.403.441.862.682.733.682.351.872.631.86
Price/Free Cash Flow ratio
4.214.104.403.441.862.682.733.682.351.872.611.86
Price/Earnings Growth ratio
0.63-2.657.10-1.530.110.13-0.240.02-0.32-0.45-21.650.13
Dividend Yield
N/AN/A0.71%1.45%3.06%2.40%2.74%2.06%3.01%2.78%1.51%2.40%
Profitability Indicator Ratios
Gross Profit Margin
100%92.26%91.78%91.55%89.26%85.97%87.26%91.12%91.44%100%78.58%85.97%
Operating Profit Margin
46.67%47.87%43.91%38.12%41.50%36.71%16.09%53.99%33.99%47.80%45.41%41.50%
Pretax Profit Margin
36.68%36.22%32.53%26.87%27.43%36.71%16.09%53.99%24.75%37.90%22.47%36.71%
Net Profit Margin
22.84%22.71%20.51%15.64%21.00%28.14%12.40%41.41%18.84%29.20%17.27%28.14%
Effective Tax Rate
37.71%37.29%36.94%41.78%23.43%23.32%22.92%23.29%23.87%22.93%23.16%23.32%
Return on Assets
2.78%2.63%2.49%2.01%2.61%3.57%1.44%4.40%2.88%1.90%2.65%2.61%
Return On Equity
20.12%17.56%15.85%13.59%19.00%24.83%10.90%30.91%23.42%16.09%20.85%19.00%
Return on Capital Employed
5.91%5.81%5.57%5.14%5.36%4.87%1.96%6.06%5.40%3.11%6.97%5.36%
Liquidity Ratios
Current Ratio
0.350.320.250.260.221.34N/AN/AN/AN/AN/A1.34
Quick Ratio
4.203.2945.0344.9751.722.6916.0614.1621.25N/AN/A2.69
Cash ratio
4.203.292.442.832.392.692.581.632.63N/AN/A2.69
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.81KN/A
Days of Inventory outstanding
N/AN/A-65.70K-60.19K-49.52KN/A-15.43K-25.69K-19.35KN/AN/A-49.52K
Operating Cycle
N/AN/A-65.70K-60.19K-49.52KN/A-15.43K-25.69K-19.35KN/A1.81K-49.52K
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/A-65.70K-60.19K-49.52KN/A-15.43K-25.69K-19.35KN/A1.81K-49.52K
Debt Ratios
Debt Ratio
0.360.280.220.210.220.180.160.150.130.130.130.18
Debt Equity Ratio
2.621.921.411.461.631.311.241.061.101.140.971.31
Long-term Debt to Capitalization
0.720.650.580.590.620.560.550.510.520.530.490.56
Total Debt to Capitalization
0.720.650.580.590.620.560.550.510.520.530.490.56
Interest Coverage Ratio
N/AN/AN/AN/AN/A2.13N/AN/AN/AN/A1.80N/A
Cash Flow to Debt Ratio
0.190.250.330.420.380.450.470.480.470.530.620.38
Company Equity Multiplier
7.226.666.356.737.276.947.557.018.128.447.467.27
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.570.630.620.720.700.670.670.690.411.120.530.67
Free Cash Flow / Operating Cash Flow Ratio
111111111111
Cash Flow Coverage Ratio
0.190.250.330.420.380.450.470.480.470.530.620.38
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/A9.50%23.04%19.13%15.50%40.57%12.84%15.78%20.01%14.72%15.50%