Financhill
Buy
65

SYF Quote, Financials, Valuation and Earnings

Last price:
$53.75
Seasonality move :
4.5%
Day range:
$52.99 - $54.11
52-week range:
$40.55 - $70.93
Dividend yield:
1.97%
P/E ratio:
7.33x
P/S ratio:
1.41x
P/B ratio:
1.32x
Volume:
3.6M
Avg. volume:
5.2M
1-year change:
15.48%
Market cap:
$20.3B
Revenue:
$16.1B
EPS (TTM):
$7.29
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $11.2B $10.2B $11.7B $13.6B $16.1B
Revenue Growth (YoY) -16.15% -8.69% 14.54% 16.73% 18.33%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $1.8B $2B $2.2B $2.4B $2.4B
Other Inc / (Exp) -- -- -- -- --
Operating Expenses $1.8B $2B $2.2B $2.4B $2.3B
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $1.8B $5.5B $4B $2.9B $4.6B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $412M $1.3B $946M $666M $1.1B
Net Income to Company $1.4B $4.2B $3B $2.2B $3.5B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1.4B $4.2B $3B $2.2B $3.5B
 
Basic EPS (Cont. Ops) $2.28 $7.40 $6.19 $5.21 $8.64
Diluted EPS (Cont. Ops) $2.27 $7.34 $6.15 $5.19 $8.55
Weighted Average Basic Share $589M $564.6M $480.4M $421.2M $396.5M
Weighted Average Diluted Share $590.8M $569.3M $483.4M $423.5M $400.6M
 
EBITDA -- -- -- -- --
EBIT $3.5B $6.5B $5.5B $6.6B $9.2B
 
Revenue (Reported) $11.2B $10.2B $11.7B $13.6B $16.1B
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $3.5B $6.5B $5.5B $6.6B $9.2B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $2.6B $2.8B $3.2B $3.7B $3.7B
Revenue Growth (YoY) -15.68% 8.21% 14.54% 16.57% -0.3%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $459M $518M $582M $621M $622M
Other Inc / (Exp) -- -- -- $1.1B --
Operating Expenses $459M $518M $582M $1.7B $622M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $1.3B $1.2B $790M $1.7B $984M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $290M $301M $189M $415M $227M
Net Income to Company $1B $932M $601M $1.3B $757M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1B $932M $601M $1.3B $757M
 
Basic EPS (Cont. Ops) $1.74 $1.79 $1.36 $3.17 $1.91
Diluted EPS (Cont. Ops) $1.73 $1.77 $1.35 $3.14 $1.89
Weighted Average Basic Share $583.3M $515.3M $434.4M $404.7M $385.2M
Weighted Average Diluted Share $587.5M $519.5M $437.2M $408.2M $389.4M
 
EBITDA -- -- -- -- --
EBIT $1.6B $1.5B $1.5B $2.9B $2.1B
 
Revenue (Reported) $2.6B $2.8B $3.2B $3.7B $3.7B
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $1.6B $1.5B $1.5B $2.9B $2.1B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $10.7B $10.4B $12.1B $14.2B $15B
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $1.9B $2B $2.2B $2.5B $2.4B
Other Inc / (Exp) -- -- -- $1.1B --
Operating Expenses $1.9B $2B $2.2B $3.5B $2.4B
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $2.7B $5.4B $3.5B $3.8B $3.8B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $606M $1.3B $834M $892M $866M
Net Income to Company $2.1B $4.1B $2.7B $2.9B $3B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $2.1B $4.1B $2.7B $2.9B $3B
 
Basic EPS (Cont. Ops) $3.57 $7.43 $5.72 $7.02 $7.36
Diluted EPS (Cont. Ops) $3.55 $7.37 $5.68 $6.97 $7.29
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA -- -- -- -- --
EBIT $4.2B $6.4B $5.5B $8B $8.4B
 
Revenue (Reported) $10.7B $10.4B $12.1B $14.2B $15B
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $4.2B $6.4B $5.5B $8B $8.4B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $2.6B $2.8B $3.2B $3.7B $3.7B
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $459M $518M $582M $621M $622M
Other Inc / (Exp) -- -- -- $1.1B --
Operating Expenses $459M $518M $582M $1.7B $622M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $1.3B $1.2B $790M $1.7B $984M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $290M $301M $189M $415M $227M
Net Income to Company $1B $932M $601M $1.3B $757M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1B $932M $601M $1.3B $757M
 
Basic EPS (Cont. Ops) $1.74 $1.79 $1.36 $3.17 $1.91
Diluted EPS (Cont. Ops) $1.73 $1.77 $1.35 $3.14 $1.89
Weighted Average Basic Share $583.3M $515.3M $434.4M $404.7M $385.2M
Weighted Average Diluted Share $587.5M $519.5M $437.2M $408.2M $389.4M
 
EBITDA -- -- -- -- --
EBIT $1.6B $1.5B $1.5B $2.9B $2.1B
 
Revenue (Reported) $2.6B $2.8B $3.2B $3.7B $3.7B
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $1.6B $1.5B $1.5B $2.9B $2.1B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $11.5B $8.3B $10.3B $14.3B $14.7B
Short Term Investments $7.5B $5.3B $4.9B $3.8B $3.1B
Accounts Receivable, Net -- -- -- -- --
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $19B $13.6B $15.2B $18.1B $17.8B
 
Property Plant And Equipment -- -- -- -- --
Long-Term Investments $7.5B $5.3B $4.9B $3.8B $3.1B
Goodwill $1.1B $1.1B $1.1B $1B $1.3B
Other Intangibles $1.1B $1.2B $742M $815M $854M
Other Long-Term Assets -- -- -- -- --
Total Assets $95.9B $95.7B $104.6B $117.5B $119.5B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities -- -- -- -- --
 
Long-Term Debt $15.8B $14.5B $14.2B $16B $15.5B
Capital Leases -- -- -- -- --
Total Liabilities $83.2B $82.1B $91.7B $103.6B $102.9B
 
Common Stock $735M $735M $735M $735M $1.2B
Other Common Equity Adj -- -- -- -- --
Common Equity $12B $12.9B $12.1B $13.2B $15.4B
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $12.7B $13.7B $12.9B $13.9B $16.6B
 
Total Liabilities and Equity $95.9B $95.7B $104.6B $117.5B $119.5B
Cash and Short Terms $19B $13.6B $15.2B $18.1B $17.8B
Total Debt $15.8B $14.5B $14.2B $16B $15.5B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Cash and Equivalents $16.6B $10.5B $15.3B $20B $21.6B
Short Term Investments $6.6B $4.7B $4B $3B $2.7B
Accounts Receivable, Net -- -- -- -- --
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $23.2B $15.2B $19.3B $23B $24.4B
 
Property Plant And Equipment -- -- -- -- --
Long-Term Investments $6.6B $4.7B $4B $3B $2.7B
Goodwill $1.1B $1.1B $1.1B $1.1B $1.3B
Other Intangibles $1.2B $1.1B $1.3B $800M $847M
Other Long-Term Assets -- -- -- -- --
Total Assets $95.9B $95.3B $107.9B $121.2B $122B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities -- -- -- -- --
 
Long-Term Debt $15.2B $13.4B $14.9B $16.1B $17B
Capital Leases -- -- -- -- --
Total Liabilities $82.4B $81.8B $94.7B $105.9B $105.4B
 
Common Stock $735M $735M $735M $1.2B $1.2B
Other Common Equity Adj -- -- -- -- --
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- $488M --
Minority Interest, Total -- -- -- -- --
Total Equity $13.4B $13.4B $13.2B $15.3B $16.6B
 
Total Liabilities and Equity $95.9B $95.3B $107.9B $121.2B $122B
Cash and Short Terms $23.2B $15.2B $19.3B $23B $24.4B
Total Debt $15.2B $13.4B $14.9B $16.1B $17B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $1.4B $4.2B $3B $2.2B $3.5B
Depreciation & Amoritzation $383M $390M $419M $458M $481M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $339M $424M -$197M -$645M $33M
Change in Inventories -- -- -- -- --
Cash From Operations $7.5B $7.1B $6.7B $8.6B $9.8B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -- -$1.4B
Cash From Investing -$498M -$4.8B -$10.2B -$14.2B -$8.9B
 
Dividends Paid (Ex Special Dividend) -$562M -$542M -$476M -$448M -$470M
Special Dividend Paid
Long-Term Debt Issued $675M $3.1B $5B $3B $2.4B
Long-Term Debt Repaid -$4.8B -$4.4B -$5.3B -$1.3B -$3B
Repurchase of Common Stock -$985M -$2.9B -$3.3B -$1.1B -$1B
Other Financing Activities -$7M $29M -$44M -$22M $36M
Cash From Financing -$8B -$5.2B $5.3B $9.6B -$611M
 
Beginning Cash (CF) $12.6B $11.6B $8.7B $10.4B $14.4B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$1B -$2.9B $1.7B $4B $334M
Ending Cash (CF) $11.6B $8.7B $10.4B $14.4B $14.8B
 
Levered Free Cash Flow $7.5B $7.1B $6.7B $8.6B $9.8B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $1B $932M $601M $1.3B $757M
Depreciation & Amoritzation $95M $107M $111M $119M $125M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $288M $65M -$34M -$2M -$33M
Change in Inventories -- -- -- -- --
Cash From Operations $1.8B $1.4B $1.9B $2.2B $2.2B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -$1.4B --
Cash From Investing $4.6B $1.8B $692M $798M $3.6B
 
Dividends Paid (Ex Special Dividend) -$139M -$124M -$111M -$113M -$118M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $250M -- $990M $747M $1.5B
Long-Term Debt Repaid -$868M -$1.2B -$250M -$600M --
Repurchase of Common Stock -$200M -$968M -$404M -$300M -$605M
Other Financing Activities $13M -$36M -$33M -$14M -$71M
Cash From Financing -$979M -$976M $2.9B $2.6B $2.1B
 
Beginning Cash (CF) $11.6B $8.7B $10.4B $14.4B $14.8B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $5.5B $2.2B $5.5B $5.7B $7.9B
Ending Cash (CF) $17.1B $10.9B $15.9B $20.1B $22.7B
 
Levered Free Cash Flow $1.8B $1.4B $1.9B $2.2B $2.2B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $2.1B $4.1B $2.7B $2.9B $3B
Depreciation & Amoritzation $382M $402M $423M $466M $487M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $668M $201M -$296M -$613M $2M
Change in Inventories -- -- -- -- --
Cash From Operations $7.8B $6.7B $7.2B $9B $9.8B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -$1.4B --
Cash From Investing $252M -$7.6B -$11.4B -$14.1B -$6.1B
 
Dividends Paid (Ex Special Dividend) -$555M -$527M -$463M -$450M -$475M
Special Dividend Paid
Long-Term Debt Issued $425M $2.9B $5.9B $2.8B $3.2B
Long-Term Debt Repaid -$2.5B -$4.7B -$4.4B -$1.6B -$2.4B
Repurchase of Common Stock -$200M -$3.6B -$2.8B -$1B -$1.3B
Other Financing Activities $11M -$20M -$41M -$3M -$21M
Cash From Financing -$4.7B -$5.2B $9.2B $9.3B -$1.1B
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $3.3B -$6.2B $5B $4.2B $2.6B
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $7.8B $6.7B $7.2B $9B $9.8B
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $1B $932M $601M $1.3B $757M
Depreciation & Amoritzation $95M $107M $111M $119M $125M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $288M $65M -$34M -$2M -$33M
Change in Inventories -- -- -- -- --
Cash From Operations $1.8B $1.4B $1.9B $2.2B $2.2B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -$1.4B --
Cash From Investing $4.6B $1.8B $692M $798M $3.6B
 
Dividends Paid (Ex Special Dividend) -$139M -$124M -$111M -$113M -$118M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $250M -- $990M $747M $1.5B
Long-Term Debt Repaid -$868M -$1.2B -$250M -$600M --
Repurchase of Common Stock -$200M -$968M -$404M -$300M -$605M
Other Financing Activities $13M -$36M -$33M -$14M -$71M
Cash From Financing -$979M -$976M $2.9B $2.6B $2.1B
 
Beginning Cash (CF) $11.6B $8.7B $10.4B $14.4B $14.8B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $5.5B $2.2B $5.5B $5.7B $7.9B
Ending Cash (CF) $17.1B $10.9B $15.9B $20.1B $22.7B
 
Levered Free Cash Flow $1.8B $1.4B $1.9B $2.2B $2.2B

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