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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 $15.9B
LTM EBITDA $8.9B
$34.9B
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Synchrony has a last 12-month revenue of $15.9B and a last 12-month EBITDA of $8.9B.
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| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $13.6B | $16.1B | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $3.0B | $2.2B | XXX | XXX | XXX |
| Net Margin | 22% | 14% | XXX | XXX | XXX |
| Net Debt | $3.9B | $1.7B | XXX | XXX | XXX |
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As of April 15, 2025, Synchrony's stock price is $47.
Synchrony has current market cap of $18.3B, and EV of $34.9B.
See Synchrony trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $34.9B | $18.3B | XXX | XXX | XXX | XXX | $6.86 |
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Sign UpAs of April 15, 2025, Synchrony has market cap of $18.3B and EV of $34.9B.
Synchrony's trades at 2.2x LTM EV/Revenue multiple, and 3.9x LTM EBITDA.
Analysts estimate Synchrony's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Synchrony and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $34.9B | XXX | XXX | XXX |
| EV/Revenue | 2.2x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 5.2x | XXX | XXX | XXX |
| P/E/Growth | -0.9x | XXX | XXX | XXX |
| EV/FCF | 3.5x | 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.
Sign UpSynchrony's NTM/LTM revenue growth is -2%
Synchrony's revenue per employee for the last fiscal year averaged $0.8M, while opex per employee averaged n/a for the same period.
Over next 12 months, Synchrony's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Synchrony's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Synchrony and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 18% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.8M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 3% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 11% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | 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 |
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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 |
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Sign Up| 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 $18.3B |
| What is the current revenue of Synchrony? | Synchrony's last 12-month revenue is $15.9B. |
| What is the current EBITDA of Synchrony? | Synchrony's last 12-month EBITDA is $8.9B. |
| What is the current EV/Revenue multiple of Synchrony? | Current revenue multiple of Synchrony is 2.2x. |
| What is the current EV/EBITDA multiple of Synchrony? | Current EBITDA multiple of Synchrony is 3.9x. |
| What is the current revenue growth of Synchrony? | Synchrony revenue growth between 2023 and 2024 was 18%. |
| Is Synchrony profitable? | Yes, Synchrony is EBITDA-positive (as of the last 12 months). |
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