SYFSynchrony Financial
Finance Services
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
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- Employees
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- Net debt / EBITDA
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- $1.1B net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear277% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear34% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B | 1.5% |
| Operating cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B | 0.0% |
| Buybacks | $2.9B | $3.3B | $1.1B | $1.0B | $2.9B | 192% |
| Dividends | $500M | $434M | $406M | $398M | $427M | 7.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.