Synchrony Financial (SFE) Ratios
Synchrony Financial Ratios
DE:SFE's free cash flow for Q3 2026 was $2.50B. For the 2026 fiscal year, DE:SFE's free cash flow was increased by $0.00 and operating cash flow was $2.50B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.21 | 0.22 | 0.22 | 0.20 | 0.20 |
| Quick Ratio | 0.21 | 0.22 | 0.22 | 0.20 | 0.20 |
| Cash Ratio | 0.18 | 0.18 | 0.18 | 0.13 | 0.12 |
| Solvency Ratio | 0.04 | 0.04 | 0.03 | 0.04 | 0.06 |
| Operating Cash Flow Ratio | 0.12 | 0.12 | 0.11 | 0.09 | 0.11 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -85.01B | $ -85.09B | $ -85.52B | $ -76.52B | $ -68.47B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.13 | 0.13 | 0.14 | 0.14 | 0.15 |
| Debt-to-Equity Ratio | 0.91 | 0.93 | 1.15 | 1.10 | 1.06 |
| Debt-to-Capital Ratio | 0.48 | 0.48 | 0.53 | 0.52 | 0.52 |
| Long-Term Debt-to-Capital Ratio | 0.48 | 0.48 | 0.53 | 0.52 | 0.52 |
| Financial Leverage Ratio | 7.10 | 7.21 | 8.45 | 8.12 | 7.01 |
| Debt Service Coverage Ratio | 0.98 | 0.86 | 0.73 | 2.26 | 4.47 |
| Interest Coverage Ratio | 1.12 | 0.98 | 0.78 | 2.60 | 5.33 |
| Debt to Market Cap | 0.51 | 0.60 | 0.99 | 0.90 | 0.55 |
| Interest Debt Per Share | 53.98 | 50.68 | 46.75 | 32.71 | 27.52 |
| Net Debt to EBITDA | 0.04 | 0.15 | 0.51 | 0.89 | 1.05 |
| Profitability Margins | |||||
| Gross Profit Margin | 51.04% | 45.24% | 44.19% | 62.90% | 84.34% |
| EBIT Margin | 24.17% | 21.93% | 16.75% | 30.03% | 49.03% |
| EBITDA Margin | 26.86% | 24.25% | 19.39% | 33.20% | 52.50% |
| Operating Profit Margin | 24.17% | 21.93% | 16.75% | 30.03% | 49.03% |
| Pretax Profit Margin | 24.17% | 21.93% | 16.75% | 30.03% | 49.03% |
| Net Profit Margin | 18.58% | 16.86% | 12.91% | 22.86% | 37.61% |
| Continuous Operations Profit Margin | 18.58% | 16.86% | 12.91% | 22.86% | 37.61% |
| Net Income Per EBT | 76.87% | 76.85% | 77.07% | 76.12% | 76.70% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.98% | 2.93% | 1.91% | 2.88% | 4.41% |
| Return on Equity (ROE) | 21.19% | 21.10% | 16.10% | 23.43% | 30.91% |
| Return on Capital Employed (ROCE) | 12.18% | 12.17% | 7.99% | 14.64% | 19.54% |
| Return on Invested Capital (ROIC) | 9.36% | 9.36% | 6.16% | 11.14% | 14.99% |
| Return on Tangible Assets | 3.05% | 2.98% | 1.94% | 2.94% | 4.52% |
| Earnings Yield | 11.90% | 13.58% | 13.91% | 19.11% | 16.12% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Asset Turnover | 0.16 | 0.17 | 0.15 | 0.13 | 0.12 |
| Working Capital Turnover Ratio | -0.30 | -0.33 | -0.28 | -0.23 | -0.22 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 27.53 | 24.84 | 20.40 | 13.93 | 12.57 |
| Free Cash Flow Per Share | 27.53 | 24.84 | 20.40 | 13.93 | 12.57 |
| Dividend Paid and CapEx Coverage Ratio | 19.32 | 20.95 | 19.18 | 14.06 | 13.10 |
| Capital Expenditure Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow Coverage Ratio | 0.65 | 0.64 | 0.54 | 0.47 | 0.49 |
| Operating Cash Flow to Sales Ratio | 0.52 | 0.47 | 0.50 | 0.51 | 0.63 |
| Free Cash Flow Yield | 33.00% | 38.21% | 53.42% | 42.40% | 27.10% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.92 | 7.52 | 7.19 | 5.23 | 6.21 |
| Price-to-Sales (P/S) Ratio | 1.56 | 1.24 | 0.93 | 1.20 | 2.33 |
| Price-to-Book (P/B) Ratio | 1.78 | 1.55 | 1.16 | 1.23 | 1.92 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.03 | 2.62 | 1.87 | 2.36 | 3.69 |
| Price-to-Operating Cash Flow Ratio | 3.03 | 2.62 | 1.87 | 2.36 | 3.69 |
| Price-to-Earnings Growth (PEG) Ratio | 1.09 | 0.11 | -0.45 | -0.32 | 0.03 |
| Enterprise Value Multiple | 5.85 | 5.27 | 5.30 | 4.49 | 5.49 |
| Enterprise Value | 30.06B | 26.52B | 17.81B | 19.68B | 32.36B |
| EV to EBITDA | 5.85 | 5.27 | 5.30 | 4.49 | 5.49 |
| EV to Sales | 1.57 | 1.28 | 1.03 | 1.49 | 2.88 |
| EV to Free Cash Flow | 3.05 | 2.69 | 2.07 | 2.94 | 4.56 |
| EV to Operating Cash Flow | 3.05 | 2.69 | 2.07 | 2.94 | 4.56 |
| Tangible Book Value Per Share | 39.54 | 36.45 | 28.66 | 22.95 | 20.16 |
| Shareholders’ Equity Per Share | 46.85 | 41.82 | 33.01 | 26.80 | 24.19 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.23 | 0.23 | 0.24 | 0.23 |
| Revenue Per Share | 53.42 | 52.36 | 41.16 | 27.47 | 19.88 |
| Net Income Per Share | 9.93 | 8.82 | 5.31 | 6.28 | 7.48 |
| Tax Burden | 0.77 | 0.77 | 0.77 | 0.76 | 0.77 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.77 | 2.81 | 3.84 | 2.22 | 1.68 |
Currency in USD
