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Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
2003
20K+
LTM Revenue $15.8B
LTM EBITDA $8.8B
$40.2B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Synchrony has a last 12-month revenue (LTM) of $15.8B and a last 12-month EBITDA of $8.8B.
In the most recent fiscal year, Synchrony achieved revenue of $16.1B and an EBITDA of n/a.
Synchrony expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Synchrony valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $15.8B | XXX | $16.1B | XXX | XXX | XXX |
| Gross Profit | $15.8B | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | $8.8B | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | 56% | XXX | n/a | XXX | XXX | XXX |
| EBIT | $10.7B | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 68% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $3.2B | XXX | $3.5B | XXX | XXX | XXX |
| Net Margin | 20% | XXX | 22% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $751M | XXX | XXX | XXX |
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As of May 30, 2025, Synchrony's stock price is $58.
Synchrony has current market cap of $21.9B, and EV of $40.2B.
See Synchrony trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $40.2B | $21.9B | XXX | XXX | XXX | XXX | $7.04 |
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Start Free TrialAs of May 30, 2025, Synchrony has market cap of $21.9B and EV of $40.2B.
Synchrony's trades at 2.5x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Synchrony's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Synchrony has a P/E ratio of 6.8x.
See valuation multiples for Synchrony and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $21.9B | XXX | $21.9B | XXX | XXX | XXX |
| EV (current) | $40.2B | XXX | $40.2B | XXX | XXX | XXX |
| EV/Revenue | 2.5x | XXX | 2.5x | XXX | XXX | XXX |
| EV/EBITDA | 4.6x | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 3.7x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 2.5x | XXX | n/a | XXX | XXX | XXX |
| P/E | 6.8x | XXX | 6.3x | XXX | XXX | XXX |
| EV/FCF | 14.6x | XXX | 4.1x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialSynchrony's last 12 month revenue growth is -2%
Synchrony's revenue per employee in the last FY averaged $0.8M, while opex per employee averaged n/a for the same period.
Synchrony's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Synchrony's rule of X is 51% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Synchrony and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | -2% | XXX | -1% | XXX | XXX | XXX |
| EBITDA Margin | 56% | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | -7% | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 51% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.8M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Synchrony acquired XXX companies to date.
Last acquisition by Synchrony was XXXXXXXX, XXXXX XXXXX XXXXXX . Synchrony acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
Sign up to see revenue and EBITDA valuation multiples for 60K+ M&A deals.
Start Free Trial| When was Synchrony founded? | Synchrony was founded in 2003. |
| Where is Synchrony headquartered? | Synchrony is headquartered in United States of America. |
| How many employees does Synchrony have? | As of today, Synchrony has 20K+ employees. |
| Who is the CEO of Synchrony? | Synchrony's CEO is Mr. Brian D. Doubles. |
| Is Synchrony publicy listed? | Yes, Synchrony is a public company listed on NYS. |
| What is the stock symbol of Synchrony? | Synchrony trades under SYF ticker. |
| When did Synchrony go public? | Synchrony went public in 2014. |
| Who are competitors of Synchrony? | Similar companies to Synchrony include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of Synchrony? | Synchrony's current market cap is $21.9B |
| What is the current revenue of Synchrony? | Synchrony's last 12 months revenue is $15.8B. |
| What is the current revenue growth of Synchrony? | Synchrony revenue growth (NTM/LTM) is -2%. |
| What is the current EV/Revenue multiple of Synchrony? | Current revenue multiple of Synchrony is 2.5x. |
| Is Synchrony profitable? | Yes, Synchrony is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Synchrony? | Synchrony's last 12 months EBITDA is $8.8B. |
| What is Synchrony's EBITDA margin? | Synchrony's last 12 months EBITDA margin is 56%. |
| What is the current EV/EBITDA multiple of Synchrony? | Current EBITDA multiple of Synchrony is 4.6x. |
| What is the current FCF of Synchrony? | Synchrony's last 12 months FCF is $2.8B. |
| What is Synchrony's FCF margin? | Synchrony's last 12 months FCF margin is 17%. |
| What is the current EV/FCF multiple of Synchrony? | Current FCF multiple of Synchrony is 14.6x. |
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