Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

Synchrony Financial

Embedded Finance Review provides insights and analysis on the embedded finance sector, covering product launches and partnerships between financial services and non-financial brands. Self-described analysis includes updates from various players in embedded finance.

Embedded Finance Review

Summit Bank provides banking services and a full range of financial products for individuals and businesses tailored to meet the needs of every client.

Summit Bank

private banking kongress organizes events for decision-makers from private banks, foundations, family offices, and pension funds to facilitate exchanges and discussions. The event occurs multiple times a year in various locations.

private banking kongress

adidas is a sportswear company that designs and manufactures sports shoes, clothing, and accessories.

Metric
Company Name	Synchrony Financial	Embedded Finance Review	Summit Bank	private banking kongress
Symbol	SYF
MSH ID	COM:SYNCHRONY	COM:EMBEDDEDFINANCEREVIEW	COM:SUMMITBANKING	DE:PRIVATE-BANKING-KONGRESS
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services	Financial Services & Finance	Financial Services & Finance	Commercial & Professional Services
Industry	Financial - Credit Services	Finance	Banking	Financial Services
Country	US	GB	US	DE
Stage			Debt Financing
Employee Count	20K
Website	synchrony.com	embeddedfinancereview.com	summitbanking.com	private-banking-kongress.de
LinkedIn
Founders

Metric
Market Cap	19.31B
Enterprise Value
Monthly Web Traffic		11.15K
Web Traffic Growth		-0.57
Valuation
Raised Capital		20M

Metric
Revenue	13.63B
Revenue (LTM)
Revenue (NTM)
Gross Profit	13.63B
EBITDA	3.36B
Operating Income	2.90B
Net Income	2.24B
EPS	5.21
Diluted EPS	5.19
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.81
Operating Profit Margin	0.40
EBITDA Margin	0.25
Net Profit Margin	0.16
Return on Equity	0.21
Return on Assets	0.02
Return on Capital Employed	0.07

COM:SYNCHRONY

adidas

Last Close

65.14

22/11 21:00

Market Cap

19.31B

Beta: -

Volume Today

3.51M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	6.77
P/B Ratio	1.17
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.15
EV Multiple	3.59

Metric
Days Sales Outstanding	1.89K
Days Payables Outstanding
Days Inventory Outstanding	2.01K
Operating Cycle	3.83K
Cash Conversion Cycle	3.83K
Asset Turnover	0.16

Metric
Operating Cash Flow	8.59B
Free Cash Flow	8.59B
Cash Flow to Debt	0.61
Operating Cash Flow/Sales	0.52
Free Cash Flow Yield	0.51

Metric
Cash & Equivalents	14.26B
Accounts Receivable	-645M
Inventory
Goodwill	1.02B
Debt to Capitalization	0.59
Debt to Assets	0.13
Current Ratio
Quick Ratio	55.66

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.17
R&D to Revenue
SG&A to Revenue	0.09