Synchrony Financial (SYF) 📈: отчетность и дивиденды за 2025

Reports

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023
Финансовый отчет	link	link	link	link	link	link	link	link

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2
Финансовый отчет	link	link	link	link	link	link	link	link	link	link

Capitalization

IFRS

Reporting Annual Quarterly

	2013	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд $		24.87	25.3	28.98	28.8	15.79	20.44	26.19	18.55	13.13	13.87	18.82	-3.62
Выручка, млрд $		12.9	14.42	16.01	16.38	17.17	14.81	14.72	16.01	7.66	13.63	14.07	-14.91
Чистая прибыль, млрд $		2.21	2.25	1.94	2.79	3.75	1.39	4.22	3.02	2.24	2.24	2.92	-9.79
EV, млрд $		40.98	56.27	59.01	32.15	31.76	24.3	32.62	19.73	17.16	17.16	25.11	-11.58
EBIT, млрд $		4.67	4.82	4.72	5.51	7.18	3.46	6.54	-3.83	3.66	-10.31	3.40	-12.61
EBITDA, млрд $		3.71	3.79	4.97	5.82	7.55	3.85	6.93	4.89	4.12	3.36	5.47	-11.41
Баланс стоимость, млрд $		3.29	5.33	6.81	14.68	15.09	12.7	13.66	12.87	13.9	13.9	13.64	-1.63
FCF, млрд $		6.18	6.82	8.92	9.34	8.99	7.49	7.1	6.69	8.59	8.59	7.77	-0.91
Операционный денежный поток, млрд $		6.18	6.82	8.92	9.34	8.99	7.49	7.1	6.69	8.59	8.59	7.77	-0.91
Операционная прибыль, млрд $		-5.22	-6.33	-7.91	-8.19	7.18	3.46	6.54	5.44	3.66	2.9	5.26	-12.61
Операционные расходы, млрд $		10.09	11.55	13.37	14.61	-1.85	-1.82	1.27	1.32	3.92	-10.72	0.5680	-216.20
CAPEX, млрд $	7.27		0	0	0	0	0	0	0	0	0	7.27	0.00

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд $	17.94	13.62	13.9	14.65	12.63	14.34	12.72	0	17.45	0		14.36	3.56
Выручка, млрд $		4.07	4.34	4.14	4.12	3.29	5.35	3.66	5.96	4.89	3.81	4.73	-6.56
Чистая прибыль, млрд $		0.804	0.703	0.577	0.601	0.569	0.628	0.44	1.29	0.643	0.789	0.7580	4.67
EV, млрд $		15.82	15.59	18.51	11.76	15.15	12.59	17.16	12.98	15.33	17.48	15.11	6.78
EBIT, млрд $		1.34	1.33	1.31	1.41	1.53	0.731	0.785	3.71	2.75	1.2	1.84	10.42
EBITDA, млрд $		1.44	1.43	1.41	1.53	1.64	0.833	0.862	3.79	2.83	1.32	1.93	9.64
Баланс стоимость, млрд $		13.39	13.01	12.87	13.19	13.38	13.77	13.9	15.28	15.54	15.98	14.89	3.02
FCF, млрд $		1.82	1.63	1.85	1.89	1.91	2.48	2.32	2.25	2.48	2.76	2.46	2.16
Операционный денежный поток, млрд $		1.82	1.63	1.85	1.89	1.91	2.48	2.32	2.25	2.48	2.76	2.46	2.16
Операционная прибыль, млрд $		2.22	1.94	1.31	1.41	1.53	0.833	0.539	3.8	2.75	1.24	1.83	8.28
Операционные расходы, млрд $		1.85	1.99	1	0.317	0.342	0.344	-3.12	1.21	1.18	2.79	0.4808	51.99
CAPEX, млрд $	0.093	0	0	0.087	0.097	0.099	0	0	0	0		0.0940	1.58

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд $		12.33	9.32	11.6	9.4	12.15	11.52	8.34	10.29	14.26	14.26	11.31	3.25
Short Term Investments $		3.13	5.1	4.47	6.06	5.91	7.47	5.28	4.88	3.8	3.8	5.47	-8.45
Long term investments $	58.38	64.79	71.99	76.37	86.71	82.34	7.47	5.28	4.88	3.8		20.75	-45.95
Total Receivables $		64.79	71.99	76.37	86.71	81.61	71.6	0.002	0.003	92.42	92.42	49.13	2.52
Total Current Assets $		12.33	9.32	11.6	15.46	18.06	18.99	13.62	10.22	106.68	106.68	33.51	42.65
Чистые активы, млрд $		12.6	14.2	14.23	15.46	18.06	18.99	13.62	10.22	15.3	10.22	15.24	-3.26
Активы, млрд $		84.14	90.21	95.81	106.79	104.83	95.95	95.75	104.56	117.48	117.48	103.71	2.30
Short Term Debt $	27.46	24.28	20.15	20.8		11.82	4.83	0.004	7.32	4.23	4.23	5.64	-18.58
Long Term Debt $		4.15	20.15	20.8	24	19.87	15.78	14.51	14.19	15.98	15.98	16.07	-4.26
Задолженность, млрд $		71.53	76.01	81.57	92.11	89.74	83.25	82.09	91.69	103.58	103.58	90.07	2.91
Чистый долг, млрд $		16.11	30.97	30	14.6	7.72	4.25	6.17	3.9	1.72	1.72	4.75	-25.94
Долг, млрд $		28.43	40.29	20.8	24	19.87	15.78	14.51	21.51	15.98	20.21	17.53	-4.26
Interest income $		13.23	14.78	16.41	17.99	19.09	16.07	15.27	17.15	20.71		17.66	1.64
Расходы на обслуживание долга $		1.14	1.25	1.39	1.87	2.29	1.67	1.03	1.52	3.71	3.71	2.04	10.13
Чист. проц. доходы, млрд $		12.09	13.53	16.41	17.99	19.09	16.07	15.27	17.15	20.71	20.71	17.66	1.64
Goodwill $	0.949	0.949	0.949	0.991	1.02	1.08	1.08	1.11	1.11	1.02		1.08	-1.14
Амортизация, млрд $		0.174	0.219	0.254	0.302	0.367	0.383	0.39	8.72	0.458	13.68	2.06	4.53
Себестоимость, млрд $		-2.74	0	0	0	0	0	0	1.37	3.25	3.25	0.6267	-205.85
Товарно материальные запасы $	0.332						60.08	63.72	10.29	14.26	14.26	29.74	112.13

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд $				10.68	11.96	10.29	15.3	12.71	15.64	14.26	20.02	18.63	17.93	17.30	2.77
Short Term Investments $				5.01	5.08	4.88	4.01	4.29	2.88	3.8	3.01	2.69	2.35	2.95	-3.99
Long term investments $	5.44	5.28	4.68	5.01	5.08	4.88	4.01	4.29	2.88	3.8				3.97	-4.88
Total Receivables $				72.05	0.003	0.003	82.94	85	87.7	92.42	90.83	91.3	91.16	90.68	0.78
Total Current Assets $				15.69	11.51	10.22	15.3	12.71	103.34	18.06	20.02	18.63	109.1	53.83	1.09
Чистые активы, млрд $			15.22	15.69	11.51	10.22	13.19	13.38	13.77	13.9	15.28	15.54		14.37	3.04
Активы, млрд $				95.2	100.77	104.56	107.85	108.7	112.94	117.48	121.17	120.49	119.23	118.26	1.09
Short Term Debt $	0.012	0.004		0.884	7.1	7.32	1.6			4.23	2.88	1.98	0.175	2.17	-35.76
Long Term Debt $				12.16	14.32	14.19	14.93	14.23	15.23	15.98	16.13	15.64	15.63	15.72	0.52
Задолженность, млрд $				81.81	87.75	91.69	94.66	95.32	99.17	103.58	105.89	104.95	103.25	103.37	0.81
Чистый долг, млрд $				1.48	2.36	3.9	-0.369	1.53	-0.412	1.72	-3.89	-3	-2.3	-1.5764	41.05
Долг, млрд $				12.16	14.32	14.19	14.93	14.23	15.23	15.98	16.13	15.64	15.63	15.72	0.52
Interest income $	3.9	4.05	4.02	4.07	4.34	4.71	4.79	5.02	5.35	5.55				5.08	3.34
Расходы на обслуживание долга $				0.272	0.414	0.602	0.735	0.901	0.992	1.08	1.16	1.18	1.18	1.12	3.53
Чист. проц. доходы, млрд $		4.05	4.02	4.07	4.34	4.71	4.79	5.02	5.35	5.55	5.57			5.26	3.06
Goodwill $	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.02				1.09	-1.68
Амортизация, млрд $				0.106	0.318	0.101	0.111	0.113	0.102	0.077	0.08	0.08	0.121	0.0920	3.48
Себестоимость, млрд $				0	0	0	0	0.816	0.902	0.955	0.954	1.05	0.968	0.9658	1.42
Товарно материальные запасы $				-61.37	11.96	10.29	67.64	72.29	15.64	78.16	70.81	18.63	17.93	40.23	2.77

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	2.65	2.71	2.42	3.74	5.56	2.34	7.41	6.24	5.5			5.5	5.41	-0.22
Цена акции ао			36.27	38.61	23.46	36.01	34.71	35.92	38.19	65	55.85	55.85	45.93	9.98
Число акций ао, млн	836	832	799	746	673	590	569	483.4	406.88			406.88	544.46	-9.57
FCF/акцию	7.4	8.28	11.15	12.51	13.35	12.67	12.47	13.85	21.12			21.12	14.69	9.61

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS				1.62	1.49	1.29	1.4	1.36	1.52	1.08	3.17	1.6	1.99		1.87	5.54
Цена акции ао		48.08	41.84	34.72	32.27	34.25	33.58	30.54	33.28	31.64				55.85	36.98	10.71
Число акций ао, млн	565.6	543	519.5	495.3	470.7	448.9	428.45	418.11	413.79	406.88					423.23	-1.95
FCF/акцию				3.67	3.47	4.11	4.4	4.56	6	5.69	5.51	6.17	6.97		6.07	3.04

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			19.18	16.8	13.61	19.3	25.18	9.97	32.03	22.74	16.72			16.1	10.84	21.33	-7.86
ROA, %			2.77	2.58	2.08	2.75	3.54	1.38	4.4	3.01	2.02			1.91	3.71	2.87	-10.61
ROIC, %			-19.52	-11.62	-13.14	-16.21	10.72	-24.25	14.99	10.08	7.87			0	8.01	3.88	-5.99
ROS, %					30.81	33.66	41.81	22.4	44.4	18.84	29.21	16.42	16.42	16.42	23.12	25.06	-18.04
ROCE, %				33.94	33.12	14.26	20.54	12.16	6.83	-3.94	3.23		-74.18	-74.18	-0.98	-11.1800	-243.57
Ebit margin, %							36.71	-67.5	10.83	-23.91	47.81		-75.68	-75.68		-21.6900	2.31
Рентаб EBITDA, %				27.31	32.47	35.5	43.94	25.97	47.04	30.58	53.78		24.67	24.67	33.45	36.41	-1.02
Чистая рентаб, %			17.73	16.22	12.64	17.03	21.82	9.35	28.68	18.84	29.21			16.42	23.02	21.58	6.01
Operation Margin, %					-51.67	-49.98	28.46	-57.97	37.38	34	47.81	21.31	21.31	21.31	34.35	32.36	-10.63
Чистая процентная маржа, %	16.24	17.45	17.16	15.61	12.09	16.28	20.92	8.69	28.39					27.16	25.36	17.27	18.62
Доходность FCF, %		24.25	23.18	28.49	35.1	39.79	42.01	49.58	28.87	41.73	65.46					45.53	9.28

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %		5.87	5.21	4.35	4.57	4.34	4.75	3.28	9.35	4.48	5.3	10.84	5.43	2.22
ROA, %		0.8442	0.7175	0.562	0.5659	0.5255	0.5667	0.3819	1.08	0.5321	0.6583	3.71	0.6438	3.04
ROIC, %		3.49	2.92	2.4	2.4	2.46	2.56	1.85	4.48	2.44	2.88	8.01	2.84	2.38
ROS, %		19.73	16.19	13.95	14.6	17.27	11.73	12.03	21.69	13.15	20.69	23.12	15.86	12.02
ROCE, %		2.23	2.19	2.16	1.45	1.52	0.7036	0.7334	3.35	2.42	1.03	-0.98	1.65	7.92
Ebit margin, %							13.65	21.45	62.24	56.15	31.41		36.98	18.14
Рентаб EBITDA, %		35.44	32.93	34.16	37.05	49.88	15.56	23.56	63.58	57.78	34.58	33.45	39.01	17.32
Чистая рентаб, %		19.73	16.19	13.95	14.6	17.27	11.73	12.03	21.69	13.15	20.69	23.02	15.86	12.02
Operation Margin, %		54.57	44.73	31.72	34.35	46.45	15.56	14.73	63.76	56.15	32.41	34.35	36.52	15.81
Доходность FCF, %	37.1	51.6	49.3	45.7	56.9	50.7	44.4	54.3	51.3	50.6			50.26	-0.04

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	11.6	13.6	14.7	6.29	6.42	14.47	6.27	5.25	6.9			6.9	22.00	7.86	1.45
P/BV	2.1	2.1	2.1	1.2	1.59	1.58	1.94	1.23	1.11			1.11	2.50	1.49	-6.94
P/S	2	2.2	2	1.07	1.4	1.35	1.8	0.9892	2.01			1.13	4.83	1.51	7.50
P/FCF			2.22	1.31	2.15	2.58	3.55	2.4	2.07	1.61	1.61	1.61	7.77	2.25	-14.63
E/P			0.0762	0.1188	0.1751	0.0917	0.1717	0.188	0.1705	0.1614	0.1614	0.1614	1.16	0.1706	-1.23
EV/EBIT					6.5	-2.99	47.98	-5.16	4.68	-1.66	-1.66	-1.66		8.84	-151.03
EV/EBITDA	8.44	12.99	8.06	5.53	4.21	6.32	4.71	4.03	4.16			5.1	29.48	4.69	-0.24
EV/S		5.01	4.48		2.5	2.17	3.07	1.23	2.24	1.26	1.26	1.26	5.45	1.81	-16.32
EV/FCF		8.05	6.21		3.71	3.23	4.4	2.95	2	2	2	2	11.12	2.67	-14.59
Debt/EBITDA			4.19	4.13	2.63	4.1	2.09	4.39	3.88	6.01	6.01	6.01	-6.06	4.48	23.52
Netdebt/Ebitda			8.38	3.7	3.72	1.95	1.05	0.7963	0.4181	0.5125	0.5125	0.5125	-6.58	0.6579	-13.36
Debt/Ratio			0.85	0.86	0.86	0.87	0.86	0.2057	0.136	0.172	0.172	0.172	0.19	0.3091	-27.52
Debt/Equity			5.73	6.28	5.95	6.55	6.01	1.67	1.15	1.98	1.98	1.98	18.90	2.56	-19.91
Debt/Net Income		17.9	21.5		6.42	14.87	3.56	7.13	7.14	9.03	9.03	9.03	20.98	7.18	20.46
Бета						1.81	1.66	1.63	2.27	5.45	3.07	3.07	0.13	2.82	13.09
Индекс Альтмана			0.01	-0.07	0.95	0.86	-2.79	-1.23	2.11	3.99	3.99	3.99	4.38	1.21	-207.42

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E				4.19	4.39	5.25	4.88	5.88	5.65	7.07	5.8	6.18	6.37		22.00	6.21	2.43
P/BV				1.07	1.02	1.14	0.9197	1.02	0.9447	1.11	1.1	1.18	1.24		2.50	1.11	5.59
P/S				0.9376	0.8462	0.9464	0.7808	0.9069	0.7929	0.9625	0.9303	0.9351	1.1		4.83	0.9442	6.77
P/FCF	15.14	13.03	15.57	9.46	9.3	8.32	7.63	6.69	5.55	5.56					7.77	6.75	-7.74
E/P	0.0411	0.0311	0.0429	0.0468	0.0463	0.0375	0.0418	0.0446	0.0456	0.0342					1.16	0.0407	-1.83
EV/EBIT								9.9	17.23	21.86	3.5	5.59	14.59			12.55	-3.27
EV/EBITDA				2.54	2.68	3.16	2.02	2.52	2.33	3.53	1.82	1.84	1.99		29.48	2.30	-3.11
EV/S				4.8	4.24	5.07	3.79	4.6	2.35	4.69	2.18	3.14	4.58		5.45	3.39	14.28
EV/FCF				10.76	11.28	11.36	8.28	7.94	5.07	7.41	5.77	6.17	6.32		11.12	6.15	4.51
Debt/EBITDA				8.42	10.01	10.04	9.79	8.66	18.28	18.54	4.26	5.54	11.85		-6.06	11.69	-8.30
Netdebt/Ebitda				1.02	1.65	2.76	-0.242	0.9282	-0.4946	2	-1.03	-1.06	-1.75		-6.58	-0.4669	28.75
Debt/Ratio				0.137	0.1509	0.152	0.1533	0.1309	0.1349	0.136	0.1331	0.1298	0.1311		0.19	0.1330	-0.57
Debt/Equity				0.9737	1.17	1.23	1.25	1.06	1.11	1.15	1.06	1.01	0.9782		18.90	1.06	-2.50
Debt/Net Income				16.22	21.63	27.55	27.51	25.01	24.25	36.32	12.48	24.32	19.81		20.98	23.44	-3.96
Бета														3.07	0.13	3.07	0.00
Индекс Альтмана														3.99	4.38	3.99	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.214	0.446	0.534	0.581	0.562	0.542	0.476	0.448	0.448		0.463		0.4952	-4.43
Дивиденд		0.26	0.56	0.72	0.86	0.88	0.88	0.91	0.98	1	1		0.9300	2.59
Див доход, ао, %		0.3584	1.45	3.06	2.41	2.59	1.89	2.55	2.39	1.68	1.88	2.34	2.22	-8.29
Дивиденды / прибыль, %	0	4.8	20.5	19.14	15.51	40.58	12.84	15.78	20.02		20.02	44.83	20.95	5.24

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд				0.119	0.12	0.113	0.111	0.109	0.114	0.114	0.113	0.119	0.12		0.1160	1.03
Дивиденд	0.22	0.22	0.22	0.22	0.23	0.23	0.23	0.23	0.25	0.25					0.2380	1.68
Див доход, ао, %	0.4527	0.4575	0.5258	0.6337	0.7127	0.6715	0.6848	0.7532	0.7512	0.7901				2.34	0.7302	3.31
Дивиденды / прибыль, %				14.8	17.07	19.58	18.47	19.16	18.15	25.91	8.74	18.51	15.21	44.83	17.30	-3.47

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
НИОКР, млрд	0	0	0	0	0	0	0	0		0
Персонал, чел						16500	18000	18500	20000		4.93

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	CAGR 5
НИОКР, млрд	0	0	0	0	0	0	0	0	0	0

	CAGR 5

Investing Port

NYSE: SYF - Synchrony Financial

Reporting Synchrony Financial

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