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SYF Synchrony Financial

Synchrony is a premier consumer financial services company. The Company delivers a wide range of specialized financing programs, as well as innovative consumer banking products, across key industries including digital, retail, home, auto, travel, health and pet. Synchrony enables its partners to grow sales and loyalty with consumers. It's one of the largest issuers of private label credit cards in the United States; it also offers co-branded products, installment loans and consumer financing products for small- and medium-sized businesses, as well as healthcare providers.

Company profile

SYF stock data

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Calendar

22 Jul 21
4 Aug 21
31 Dec 21
Quarter (USD)
Jun 21 Mar 21 Dec 20 Sep 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
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Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 11.54B 11.54B 11.54B 11.54B 11.54B 11.54B
Cash burn (monthly) 1.85B 406M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 2.17B 475.38M n/a n/a n/a n/a
Cash remaining 9.37B 11.07B n/a n/a n/a n/a
Runway (months of cash) 5.1 27.3 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
1 Jul 21 Carol Juel Common Stock Grant Aquire A No No 48.87 2,303 112.55K 53,533
1 Jul 21 Bart Schaller Common Stock Grant Aquire A No No 48.87 4,605 225.05K 42,357
30 Jun 21 Naylor Jeffrey G Common Stock Grant Aquire A No No 48.52 696 33.77K 62,708
30 Jun 21 Parker P.W. Common Stock Grant Aquire A No No 48.52 696 33.77K 13,528
30 Jun 21 Snowe Olympia J. Common Stock Grant Aquire A No No 48.52 696 33.77K 28,410

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

93.8% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 677 635 +6.6%
Opened positions 109 108 +0.9%
Closed positions 67 56 +19.6%
Increased positions 248 194 +27.8%
Reduced positions 240 265 -9.4%
13F shares
Current Prev Q Change
Total value 21.68B 18.92B +14.6%
Total shares 534.19M 545.01M -2.0%
Total puts 3.12M 4.48M -30.5%
Total calls 2.88M 4.4M -34.6%
Total put/call ratio 1.1 1.0 +6.3%
Largest owners
Shares Value Change
Vanguard 63.18M $2.57B +1.0%
Capital World Investors 50.74M $2.06B +0.0%
BLK Blackrock 44.79M $1.82B +8.4%
FMR 38.4M $1.56B +7.2%
STT State Street 25.07M $1.02B +2.4%
Geode Capital Management 10.04M $407.27M -0.8%
GIC Private 9.46M $328.22M 0.0%
Arrowstreet Capital, Limited Partnership 8.93M $362.99M +51.8%
BK Bank Of New York Mellon 8.49M $345.28M +0.7%
Par Capital Management 7.4M $300.88M +6.5%
Largest transactions
Shares Bought/sold Change
BRK.A Berkshire Hathaway 0 -20.13M EXIT
Norges Bank 0 -6.66M EXIT
Southpoint Capital Advisors 5.88M -4.12M -41.2%
MS Morgan Stanley 6.26M +4.07M +186.5%
Altshuler Shaham 82.52K -4M -98.0%
BLK Blackrock 44.79M +3.46M +8.4%
Nuveen Asset Management 6.4M +3.37M +111.3%
Arrowstreet Capital, Limited Partnership 8.93M +3.05M +51.8%
BAC Bank Of America 5.61M +2.96M +111.9%
Amundi Pioneer Asset Management 3.51M +2.82M +409.0%

Financial report summary

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Management Discussion
  • Below are highlights of our performance for the three and six months ended June 30, 2021 compared to the three and six months ended June 30, 2020, as applicable, except as otherwise noted.
  • •Net earnings increased to $1.2 billion from $48 million and to $2.3 billion from $334 million for the three and six months ended June 30, 2021, respectively, primarily driven by lower provision for credit losses and decreases in other expense, partially offset by lower net interest income.
  • •Loan receivables increased slightly to $78.4 billion at June 30, 2021 compared to $78.3 billion at June 30, 2020, primarily driven by higher purchase volume, largely offset by improvements in customer payment behavior reflecting the impact of government stimulus, industry-wide forbearance actions and lower discretionary spend during the prior year shutdowns.
Content analysis
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Positive
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Readability
H.S. sophomore Avg
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