Synchrony Financial (SYF) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 5YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 5Y.
- Score
- 29/100
- 5Y CAGR
- 8.3%
- Median YoY
- 14.1%
- YoY volatility
- σ 15.5pp· uneven
- Quarters ≥ 20%
- 7 of 20
- Negative quarters
- 7
- Valuation vs own 5Y history
- P/S 1.3x · 5Y median 1.3x · 59th percentile
How this score is computed
- Quarters at or above 20%: 7 of 20 → 14 of 40 pts
- Steadiness (typical swing 15.5pp) → 13.9 of 25 pts
- Pace (median 14.1% YoY) → 0 of 20 pts
- Latest quarter (16.6% YoY) → 1.2 of 15 pts
- Score: 29 of 100
Annual revenue · last 11 fiscal years
Quarterly YoY revenue growth vs the 20% line · 5Y
P/S multiple vs its 5Y median · context only
Across metrics · 5Y
| Metric | 5Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 8.3% | 14.1% | 15.5pp | 7 of 20 | 7 |
| EPSEPS | 32.6% | 12.1% | 723.9pp | 8 of 20 | 8 |
| Op cash flowOperating cash flow | 5.6% | 3.7% | 21.2pp | 6 of 20 | 8 |
| EBITDAEBITDA | 18.7% | -2.4% | 231.3pp | 7 of 20 | 11 |
| FCFFree cash flow | 5.6% | 3.7% | 21.2pp | 6 of 20 | 8 |
Reported figures over 5Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: SYF on the compounders surface · All compounders, ranked
About Synchrony Financial
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Brian D. Doubles