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Synchrony Financial

NYSE:SYFFinancial ServicesCBOE:SPESGSTOXX:EDD24BP

$74.19+0.69%At closeAt close · Mon 19 Oct · ≈ AED 272.46 · Market cap $24.14B · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	45.6%	84.3%	62.9%	44.2%	45.2%	51.0%	—	—
Operating margin	14.0%	49.0%	30.0%	16.7%	21.9%	24.2%	24.2%	+0.0 pts
Net margin	10.8%	37.6%	22.9%	12.9%	16.9%	18.6%	18.6%	+0.0 pts
EBITDA margin	17.0%	52.5%	33.2%	19.4%	24.2%	26.9%	—	—
Return on equity	10.9%	30.9%	23.4%	16.1%	21.1%	21.2%	21.2%	+0.0 pts
Return on assets	1.4%	4.4%	2.9%	1.9%	2.9%	3.0%	3.0%	+0.0 pts
Return on capital employed	6.3%	19.5%	14.6%	8.0%	12.2%	12.2%	—	—
Debt / equity	1.2×	1.1×	1.1×	1.1×	0.9×	0.9×	0.9×	+0.0%
Debt / assets	16.4%	15.2%	13.6%	13.6%	12.9%	12.7%	—	—
Interest coverage	1.1×	5.3×	2.6×	0.8×	1.0×	1.1×	—	—
Current ratio	0.3×	0.2×	0.2×	0.2×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.2×	0.2×	0.2×	0.2×	0.2×	—	—
Cash ratio	0.2×	0.1×	0.1×	0.2×	0.2×	0.2×	0.2×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.2×	0.2×	—	—
Dividend payout	40.6%	12.8%	15.8%	20.0%	13.4%	14.4%	—	—