Intrinsic value of Synchrony Financial - SYF

Previous Close

$32.56

  Intrinsic Value

$0.00

stock screener

  Rating & Target

str. sell

-100%

Previous close

$32.56

 
Intrinsic value

$0.00

 
Up/down potential

-100%

 
Rating

str. sell

Our model is not good at valuating stocks of financial companies, such as SYF.

We calculate the intrinsic value of SYF stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2017), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 25.5

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  2.00
  2.30
  2.57
  2.81
  3.03
  3.23
  3.41
  3.57
  3.71
  3.84
  3.95
  4.06
  4.15
  4.24
  4.31
  4.38
  4.44
  4.50
  4.55
  4.59
  4.64
  4.67
  4.70
  4.73
  4.76
  4.78
  4.81
  4.83
  4.84
  4.86
Revenue, $m
  7,212
  7,378
  7,568
  7,781
  8,017
  8,276
  8,557
  8,862
  9,191
  9,544
  9,921
  10,324
  10,753
  11,208
  11,692
  12,204
  12,746
  13,320
  13,926
  14,566
  15,241
  15,953
  16,704
  17,494
  18,327
  19,204
  20,127
  21,098
  22,120
  23,195
Variable operating expenses, $m
  3,527
  3,608
  3,701
  3,805
  3,920
  4,047
  4,185
  4,334
  4,494
  4,667
  4,851
  5,048
  5,258
  5,481
  5,717
  5,968
  6,233
  6,513
  6,810
  7,123
  7,453
  7,801
  8,168
  8,555
  8,962
  9,391
  9,842
  10,317
  10,817
  11,342
Fixed operating expenses, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  3,527
  3,608
  3,701
  3,805
  3,920
  4,047
  4,185
  4,334
  4,494
  4,667
  4,851
  5,048
  5,258
  5,481
  5,717
  5,968
  6,233
  6,513
  6,810
  7,123
  7,453
  7,801
  8,168
  8,555
  8,962
  9,391
  9,842
  10,317
  10,817
  11,342
Operating income, $m
  3,686
  3,770
  3,867
  3,976
  4,097
  4,229
  4,373
  4,529
  4,697
  4,877
  5,070
  5,275
  5,495
  5,727
  5,974
  6,236
  6,513
  6,807
  7,116
  7,443
  7,788
  8,152
  8,536
  8,940
  9,365
  9,813
  10,285
  10,781
  11,303
  11,853
EBITDA, $m
  13,172
  13,475
  13,821
  14,210
  14,641
  15,114
  15,628
  16,185
  16,786
  17,430
  18,119
  18,854
  19,637
  20,470
  21,353
  22,288
  23,279
  24,326
  25,433
  26,602
  27,835
  29,135
  30,506
  31,950
  33,471
  35,072
  36,758
  38,532
  40,398
  42,361
Interest expense (income), $m
  1,160
  4,368
  4,120
  4,185
  4,259
  4,341
  4,433
  4,534
  4,643
  4,762
  4,890
  5,027
  5,174
  5,330
  5,497
  5,674
  5,862
  6,061
  6,272
  6,495
  6,731
  6,979
  7,242
  7,519
  7,810
  8,118
  8,442
  8,783
  9,142
  9,519
  9,916
Earnings before tax, $m
  -683
  -350
  -318
  -283
  -245
  -204
  -161
  -115
  -65
  -13
  43
  102
  165
  231
  301
  374
  452
  535
  621
  713
  809
  910
  1,017
  1,129
  1,247
  1,372
  1,502
  1,640
  1,784
  1,936
Tax expense, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  12
  28
  44
  62
  81
  101
  122
  144
  168
  192
  218
  246
  275
  305
  337
  370
  406
  443
  482
  523
Net income, $m
  -683
  -350
  -318
  -283
  -245
  -204
  -161
  -115
  -65
  -13
  31
  74
  120
  168
  219
  273
  330
  390
  454
  520
  590
  664
  742
  824
  910
  1,001
  1,097
  1,197
  1,302
  1,413

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  57,699
  59,026
  60,543
  62,247
  64,134
  66,204
  68,459
  70,900
  73,529
  76,351
  79,370
  82,591
  86,021
  89,666
  93,534
  97,633
  101,972
  106,560
  111,408
  116,527
  121,928
  127,625
  133,629
  139,955
  146,618
  153,633
  161,017
  168,787
  176,961
  185,559
Adjusted assets (=assets-cash), $m
  57,699
  59,026
  60,543
  62,247
  64,134
  66,204
  68,459
  70,900
  73,529
  76,351
  79,370
  82,591
  86,021
  89,666
  93,534
  97,633
  101,972
  106,560
  111,408
  116,527
  121,928
  127,625
  133,629
  139,955
  146,618
  153,633
  161,017
  168,787
  176,961
  185,559
Revenue / Adjusted assets
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
  0.125
Average production assets, $m
  94,865
  97,047
  99,541
  102,341
  105,444
  108,848
  112,555
  116,568
  120,891
  125,530
  130,494
  135,790
  141,429
  147,422
  153,781
  160,520
  167,654
  175,198
  183,169
  191,585
  200,465
  209,831
  219,702
  230,103
  241,058
  252,592
  264,731
  277,506
  290,946
  305,082
Working capital, $m
  -81,428
  -83,301
  -85,442
  -87,845
  -90,509
  -93,431
  -96,613
  -100,057
  -103,768
  -107,750
  -112,010
  -116,556
  -121,397
  -126,541
  -131,999
  -137,784
  -143,907
  -150,383
  -157,225
  -164,449
  -172,071
  -180,110
  -188,584
  -197,511
  -206,914
  -216,814
  -227,235
  -238,200
  -249,736
  -261,870
Total debt, $m
  76,302
  77,497
  78,862
  80,395
  82,093
  83,957
  85,986
  88,183
  90,549
  93,089
  95,806
  98,705
  101,792
  105,072
  108,553
  112,242
  116,147
  120,277
  124,640
  129,247
  134,109
  139,235
  144,639
  150,332
  156,329
  162,643
  169,288
  176,281
  183,638
  191,376
Total liabilities, $m
  51,929
  53,124
  54,489
  56,022
  57,720
  59,584
  61,613
  63,810
  66,176
  68,716
  71,433
  74,332
  77,419
  80,699
  84,180
  87,869
  91,774
  95,904
  100,267
  104,874
  109,736
  114,862
  120,266
  125,959
  131,956
  138,270
  144,915
  151,908
  159,265
  167,003
Total equity, $m
  5,770
  5,903
  6,054
  6,225
  6,413
  6,620
  6,846
  7,090
  7,353
  7,635
  7,937
  8,259
  8,602
  8,967
  9,353
  9,763
  10,197
  10,656
  11,141
  11,653
  12,193
  12,762
  13,363
  13,995
  14,662
  15,363
  16,102
  16,879
  17,696
  18,556
Total liabilities and equity, $m
  57,699
  59,027
  60,543
  62,247
  64,133
  66,204
  68,459
  70,900
  73,529
  76,351
  79,370
  82,591
  86,021
  89,666
  93,533
  97,632
  101,971
  106,560
  111,408
  116,527
  121,929
  127,624
  133,629
  139,954
  146,618
  153,633
  161,017
  168,787
  176,961
  185,559
Debt-to-equity ratio
  13.220
  13.130
  13.030
  12.920
  12.800
  12.680
  12.560
  12.440
  12.310
  12.190
  12.070
  11.950
  11.830
  11.720
  11.610
  11.500
  11.390
  11.290
  11.190
  11.090
  11.000
  10.910
  10.820
  10.740
  10.660
  10.590
  10.510
  10.440
  10.380
  10.310
Adjusted equity ratio
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  -683
  -350
  -318
  -283
  -245
  -204
  -161
  -115
  -65
  -13
  31
  74
  120
  168
  219
  273
  330
  390
  454
  520
  590
  664
  742
  824
  910
  1,001
  1,097
  1,197
  1,302
  1,413
Depreciation, amort., depletion, $m
  9,486
  9,705
  9,954
  10,234
  10,544
  10,885
  11,256
  11,657
  12,089
  12,553
  13,049
  13,579
  14,143
  14,742
  15,378
  16,052
  16,765
  17,520
  18,317
  19,158
  20,047
  20,983
  21,970
  23,010
  24,106
  25,259
  26,473
  27,751
  29,095
  30,508
Funds from operations, $m
  8,804
  9,355
  9,636
  9,952
  10,300
  10,681
  11,095
  11,542
  12,024
  12,540
  13,081
  13,653
  14,263
  14,911
  15,598
  16,325
  17,096
  17,910
  18,770
  19,679
  20,637
  21,647
  22,713
  23,835
  25,016
  26,260
  27,570
  28,948
  30,397
  31,922
Change in working capital, $m
  -1,597
  -1,873
  -2,141
  -2,403
  -2,663
  -2,922
  -3,182
  -3,444
  -3,711
  -3,982
  -4,260
  -4,546
  -4,840
  -5,144
  -5,459
  -5,785
  -6,123
  -6,475
  -6,842
  -7,224
  -7,623
  -8,039
  -8,473
  -8,928
  -9,403
  -9,900
  -10,420
  -10,965
  -11,536
  -12,134
Cash from operations, $m
  10,400
  11,228
  11,777
  12,355
  12,963
  13,603
  14,277
  14,987
  15,735
  16,523
  17,341
  18,199
  19,103
  20,055
  21,056
  22,110
  23,219
  24,385
  25,612
  26,903
  28,260
  29,686
  31,186
  32,762
  34,419
  36,160
  37,990
  39,913
  41,933
  44,055
Maintenance CAPEX, $m
  -9,301
  -9,486
  -9,705
  -9,954
  -10,234
  -10,544
  -10,885
  -11,256
  -11,657
  -12,089
  -12,553
  -13,049
  -13,579
  -14,143
  -14,742
  -15,378
  -16,052
  -16,765
  -17,520
  -18,317
  -19,158
  -20,047
  -20,983
  -21,970
  -23,010
  -24,106
  -25,259
  -26,473
  -27,751
  -29,095
New CAPEX, $m
  -1,857
  -2,182
  -2,494
  -2,800
  -3,103
  -3,404
  -3,707
  -4,013
  -4,323
  -4,639
  -4,963
  -5,296
  -5,639
  -5,993
  -6,359
  -6,739
  -7,134
  -7,544
  -7,971
  -8,416
  -8,880
  -9,365
  -9,872
  -10,401
  -10,955
  -11,534
  -12,140
  -12,775
  -13,440
  -14,136
Cash from investing activities, $m
  -11,158
  -11,668
  -12,199
  -12,754
  -13,337
  -13,948
  -14,592
  -15,269
  -15,980
  -16,728
  -17,516
  -18,345
  -19,218
  -20,136
  -21,101
  -22,117
  -23,186
  -24,309
  -25,491
  -26,733
  -28,038
  -29,412
  -30,855
  -32,371
  -33,965
  -35,640
  -37,399
  -39,248
  -41,191
  -43,231
Free cash flow, $m
  -758
  -441
  -421
  -399
  -374
  -346
  -315
  -282
  -245
  -206
  -175
  -146
  -115
  -81
  -45
  -7
  33
  76
  122
  170
  221
  274
  331
  391
  454
  521
  591
  665
  743
  825
Issuance/(repayment) of debt, $m
  -4,595
  1,194
  1,365
  1,533
  1,698
  1,864
  2,029
  2,197
  2,366
  2,540
  2,717
  2,899
  3,087
  3,281
  3,481
  3,689
  3,905
  4,130
  4,363
  4,607
  4,861
  5,127
  5,404
  5,694
  5,997
  6,314
  6,645
  6,993
  7,357
  7,738
Issuance/(repurchase) of shares, $m
  6,489
  483
  469
  453
  433
  411
  386
  359
  328
  295
  271
  248
  223
  196
  167
  137
  104
  69
  31
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  1,894
  1,677
  1,834
  1,986
  2,131
  2,275
  2,415
  2,556
  2,694
  2,835
  2,988
  3,147
  3,310
  3,477
  3,648
  3,826
  4,009
  4,199
  4,394
  4,607
  4,861
  5,127
  5,404
  5,694
  5,997
  6,314
  6,645
  6,993
  7,357
  7,738
Total cash flow (excl. dividends), $m
  1,136
  1,236
  1,413
  1,586
  1,758
  1,929
  2,100
  2,274
  2,449
  2,629
  2,812
  3,001
  3,195
  3,396
  3,603
  3,818
  4,042
  4,274
  4,516
  4,777
  5,082
  5,401
  5,735
  6,085
  6,451
  6,835
  7,237
  7,658
  8,100
  8,563
Retained Cash Flow (-), $m
  -6,489
  -483
  -469
  -453
  -433
  -411
  -386
  -359
  -328
  -295
  -302
  -322
  -343
  -365
  -387
  -410
  -434
  -459
  -485
  -512
  -540
  -570
  -600
  -633
  -666
  -702
  -738
  -777
  -817
  -860
Prev. year cash balance distribution, $m
  36
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
  -5,317
  754
  944
  1,134
  1,324
  1,518
  1,714
  1,915
  2,121
  2,334
  2,510
  2,679
  2,852
  3,031
  3,216
  3,408
  3,608
  3,815
  4,031
  4,265
  4,542
  4,831
  5,135
  5,452
  5,785
  6,133
  6,498
  6,881
  7,282
  7,703
Discount rate, %
  13.30
  13.97
  14.66
  15.40
  16.17
  16.97
  17.82
  18.71
  19.65
  20.63
  21.66
  22.75
  23.88
  25.08
  26.33
  27.65
  29.03
  30.48
  32.01
  33.61
  35.29
  37.05
  38.91
  40.85
  42.89
  45.04
  47.29
  49.65
  52.14
  54.74
PV of cash for distribution, $m
  -4,692
  580
  626
  639
  626
  592
  544
  485
  422
  358
  290
  229
  176
  132
  97
  69
  47
  32
  21
  13
  8
  5
  3
  1
  1
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  50.0
  46.1
  42.7
  39.8
  37.2
  34.9
  33.0
  31.4
  30.0
  28.8
  27.8
  27.0
  26.3
  25.7
  25.2
  24.9
  24.6
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4
  24.4

Synchrony Financial is a consumer financial services company. The Company provides a range of credit products through programs it has established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company's revenue activities are managed through three sales platforms: Retail Card, Payment Solutions and CareCredit. It offers its credit products through its subsidiary, Synchrony Bank (the Bank). Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation (FDIC), including certificates of deposit, individual retirement accounts (IRAs), money market accounts and savings accounts. The Company offers three types of credit products: credit cards, commercial credit products and consumer installment loans. The Company also offers a debt cancellation product. It offers two types of credit cards: private label credit cards and Dual Cards.

FINANCIAL RATIOS  of  Synchrony Financial (SYF)

Valuation Ratios
P/E Ratio 11.8
Price to Sales 0
Price to Book 1.9
Price to Tangible Book
Price to Cash Flow 3.9
Price to Free Cash Flow 3.9
Growth Rates
Sales Growth Rate -100%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate NaN%
Cap. Spend. - 3 Yr. Gr. Rate NaN%
Financial Strength
Quick Ratio NaN
Current Ratio NaN
LT Debt to Equity 141.9%
Total Debt to Equity 141.9%
Interest Coverage 4
Management Effectiveness
Return On Assets 3.4%
Ret/ On Assets - 3 Yr. Avg. 3.4%
Return On Total Capital 6.3%
Ret/ On T. Cap. - 3 Yr. Avg. 6.1%
Return On Equity 16.8%
Return On Equity - 3 Yr. Avg. 20.5%
Asset Turnover 0
Profitability Ratios
Gross Margin 0%
Gross Margin - 3 Yr. Avg. 0%
EBITDA Margin 0%
EBITDA Margin - 3 Yr. Avg. 0%
Operating Margin 0%
Oper. Margin - 3 Yr. Avg. 0%
Pre-Tax Margin 0%
Pre-Tax Margin - 3 Yr. Avg. 0%
Net Profit Margin 0%
Net Profit Margin - 3 Yr. Avg. 0%
Effective Tax Rate 36.9%
Eff/ Tax Rate - 3 Yr. Avg. 37.3%
Payout Ratio 9.5%

SYF stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the SYF stock intrinsic value calculation we used $7071 million for the last fiscal year's total revenue generated by Synchrony Financial. The default revenue input number comes from 2017 income statement of Synchrony Financial. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our SYF stock valuation model: a) initial revenue growth rate of 2% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 13.3%, whose default value for SYF is calculated based on our internal credit rating of Synchrony Financial, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Synchrony Financial.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of SYF stock the variable cost ratio is equal to 48.9%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for SYF stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Synchrony Financial.

Corporate tax rate of 27% is the nominal tax rate for Synchrony Financial. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the SYF stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for SYF are equal to 1315.3%.

Life of production assets of 10 years is the average useful life of capital assets used in Synchrony Financial operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for SYF is equal to -1129%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $0 million for Synchrony Financial - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 783 million for Synchrony Financial is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Synchrony Financial at the current share price and the inputted number of shares is $25.5 billion.

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COMPANY NEWS

▶ CareCredit Forms Healthcare Advisory Council   [Jul-10-18 11:00AM  Business Wire]
▶ Credit Card Issuer Synchrony Taps Real-Time Analytics to Drive Sales   [Jun-11-18 05:16PM  The Wall Street Journal]
▶ Synchrony Completes Acquisition of Loop Commerce   [Jun-08-18 04:15PM  Business Wire]
▶ PepsiCo's Nooyi, Ventas's Cafaro among top-paid female CEOs   [May-26-18 10:01AM  Associated Press]
▶ PepsiCo's Nooyi, Ventas's Cafaro among top-paid female CEOs   [May-25-18 11:32AM  Associated Press]
▶ Synchrony Financial Earns Technical Rating Upgrade   [May-23-18 03:00AM  Investor's Business Daily]
▶ [$$] Why the Credit-Card Boom May Have Just Peaked   [11:28AM  The Wall Street Journal]
▶ Synchrony Financial CEO Says Tax Plan 'Good for Us'   [May-16-18 02:50PM  Bloomberg]
▶ Warren Buffetts Best Dividend Stocks   [10:43AM  InvestorPlace]
▶ [$$] Why the Credit-Card Boom May Have Just Peaked   [05:30AM  The Wall Street Journal]
▶ Card Issuers Start to See Credit Quality Diverge   [Apr-27-18 07:00AM  Morningstar]
▶ Synchrony: 1Q Earnings Snapshot   [06:52AM  Associated Press]
▶ Synchrony Sell-Off Offers Opportunity   [07:00AM  Morningstar]
▶ Synchrony, Incyte and Lockheed tumble   [Apr-06-18 04:34PM  Associated Press]
▶ A swan-song for Toys R Us, the going-out-of-business sale   [Mar-23-18 03:04PM  Associated Press]
▶ 3 Top Value Stocks to Buy Right Now   [Mar-02-18 08:56AM  Motley Fool]
▶ General Electric Company Stock Has Gone From Bad to Worse   [Mar-01-18 01:47PM  InvestorPlace]
▶ PayPal Continues to Execute but Gets Put on Notice   [Feb-10-18 11:35AM  Motley Fool]
▶ Goldman Looking to Buy Clarity Money in Consumer Push   [Feb-08-18 06:11AM  Investopedia]
▶ What Berkshire Hathaway Inc. Stock Moves Tell Us   [Feb-01-18 09:07AM  InvestorPlace]
▶ How to Front Run Dividend Splits for 123%+ Returns   [Jan-30-18 03:56AM  Harvest Exchange]
▶ Synchrony Financial (NYSE:SYF): What Are The Future Prospects?   [Jan-29-18 01:52PM  Simply Wall St.]
▶ American Expresss US Consumer Services Segment in 4Q17   [Jan-25-18 05:35PM  Market Realist]
▶ 2 Bank Stocks to Buy for 2018   [Jan-24-18 07:18AM  Motley Fool]
▶ My Top Buffett Stock to Buy for 2018   [07:02AM  Motley Fool]
▶ [$$] Don't Get Too Comfortable About Consumer Debt   [12:17PM  The Wall Street Journal]
▶ Synchrony tops Street 4Q forecasts   [06:49AM  Associated Press]
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