Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.
Synchrony enjoys long-term contracts with several successful digital retailers such as Amazon and PayPal. These partnerships should provide a source of receivables growth even if brick-and-mortar retailer partners struggle.
Synchrony’s largest partners could demand higher retailer share payments during contract renewal negotiations.
|
Metric
|
SYF
|
COF
|
BFH
|
|---|---|---|---|
Price/Earnings (Normalized) | 7.33 | 9.70 | 7.45 |
Price/Book Value | 1.53 | 1.05 | 1.11 |
Price/Sales | 1.67 | 1.98 | 1.09 |
Price/Cash Flow | 2.51 | 3.84 | 1.96 |
|
Metric
|
SYF
|
COF
|
BFH
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
|
Metric
|
SYF
|
COF
|
BFH
|
|---|---|---|---|
Return on Assets (Normalized) | 2.93% | 1.88% | 3.01% |
Return on Equity (Normalized) | 22.68% | 11.16% | 20.25% |
Return on Invested Capital (Normalized) | — | — | — |
|
1-Day Chart
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Morningstar Rating for Stocks
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United States