SYFSynchrony Financial
Finance Services
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $23.4B
- Employees
- 12,000
- Net debt / EBITDA
- —
- $1.1B net debt
- AI in 10-K
- 1.7
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo277% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo34% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo1.7 per 10K words · 50th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$23.4B market capMarket cap $500M–$5B
Catalysts 1 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingYes−$48M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B | 1.5% |
| Operating cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B | 0.0% |
| Buybacks | $2.9B | $3.3B | $1.1B | $1.0B | $2.9B | 192% |
| Dividends | $500M | $434M | $406M | $398M | $427M | 7.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $48M · 32
- Net
- −$48M
Pay vs performance
No pay-versus-performance disclosure yet.