$25.31B Market Cap.
SYF Market Cap. (MRY)
SYF Shares Outstanding (MRY)
SYF Assets (MRY)
Total Assets
$119.46B
Total Liabilities
$102.88B
Total Investments
$96.87B
SYF Income (MRY)
Revenue
$9.39B
Net Income
$3.43B
Operating Expense
$4.84B
SYF Cash Flow (MRY)
CF Operations
$9.85B
CF Investing
-$8.90B
CF Financing
-$611.00M
SYF Dividends (MRY)
Period | Dividends | Yield % | Growth % | Payout Ratio | Coverage Ratio |
|---|---|---|---|---|---|
2024 | $1.00 | 1.50% | 4.17% | 11.57% | 8.64 |
2023 | $0.96 | 2.50% | 6.67% | 18.43% | 5.43 |
2022 | $0.90 | 2.70% | 2.27% | 14.54% | 6.88 |
2021 | $0.88 | 1.90% | 0.00% | 11.89% | 8.41 |
2020 | $0.88 | 2.50% | - | 38.60% | 2.59 |
SYF Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $119,463,000,000 (1.69%) | $117,479,000,000 (12.35%) | $104,564,000,000 (9.21%) | $95,748,000,000 (-0.21%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $2,128,000,000 (16.09%) | $1,833,000,000 (-23.37%) | $2,392,000,000 (5.24%) | $2,273,000,000 (3.18%) |
Shareholders Equity | $16,580,000,000 (19.25%) | $13,903,000,000 (8.00%) | $12,873,000,000 (-5.73%) | $13,655,000,000 (7.51%) |
Property Plant & Equipment Net | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Cash & Equivalents | $14,711,000,000 (3.17%) | $14,259,000,000 (38.52%) | $10,294,000,000 (23.47%) | $8,337,000,000 (-27.66%) |
Accumulated Other Comprehensive Income | -$67,000,000 (5.63%) | -$71,000,000 (45.80%) | -$131,000,000 (-495.45%) | -$22,000,000 (-833.33%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $96,871,000,000 (0.68%) | $96,216,000,000 (9.56%) | $87,822,000,000 (7.50%) | $81,696,000,000 (3.31%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $21,635,000,000 (15.93%) | $18,662,000,000 (11.64%) | $16,716,000,000 (17.35%) | $14,245,000,000 (34.12%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $15,462,000,000 (-3.25%) | $15,982,000,000 (12.62%) | $14,191,000,000 (-2.18%) | $14,507,000,000 (-8.04%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $102,883,000,000 (-0.67%) | $103,576,000,000 (12.96%) | $91,691,000,000 (11.69%) | $82,093,000,000 (-1.39%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
SYF Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $9,392,000,000 (22.58%) | $7,662,000,000 (-7.68%) | $8,299,000,000 (-12.33%) | $9,466,000,000 (61.76%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $2,396,000,000 (-0.62%) | $2,411,000,000 (11.21%) | $2,168,000,000 (9.11%) | $1,987,000,000 (8.70%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $4,839,000,000 (1.70%) | $4,758,000,000 (9.71%) | $4,337,000,000 (9.44%) | $3,963,000,000 (-2.27%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $1,054,000,000 (58.26%) | $666,000,000 (-29.60%) | $946,000,000 (-26.21%) | $1,282,000,000 (211.17%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $3,499,000,000 (56.34%) | $2,238,000,000 (-25.80%) | $3,016,000,000 (-28.55%) | $4,221,000,000 (204.77%) |
Net Income to Non-Controlling Interests | $72,000,000 (71.43%) | $42,000,000 (0.00%) | $42,000,000 (0.00%) | $42,000,000 (0.00%) |
Net Income | $3,427,000,000 (56.06%) | $2,196,000,000 (-26.16%) | $2,974,000,000 (-28.83%) | $4,179,000,000 (211.17%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $3,427,000,000 (56.06%) | $2,196,000,000 (-26.16%) | $2,974,000,000 (-28.83%) | $4,179,000,000 (211.17%) |
Weighted Average Shares | $389,344,383 (-5.91%) | $413,804,360 (-8.15%) | $450,541,428 (-17.67%) | $547,259,177 (-6.26%) |
Weighted Average Shares Diluted | - | - | - | - |
Earning Before Interest & Taxes (EBIT) | $4,481,000,000 (56.57%) | $2,862,000,000 (-26.99%) | $3,920,000,000 (-28.22%) | $5,461,000,000 (211.17%) |
Gross Profit | $9,392,000,000 (22.58%) | $7,662,000,000 (-7.68%) | $8,299,000,000 (-12.33%) | $9,466,000,000 (61.76%) |
Operating Income | $4,553,000,000 (56.78%) | $2,904,000,000 (-26.70%) | $3,962,000,000 (-28.00%) | $5,503,000,000 (206.23%) |
SYF Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$8,903,000,000 (37.45%) | -$14,234,000,000 (-39.09%) | -$10,234,000,000 (-112.59%) | -$4,814,000,000 (-866.67%) |
Net Cash Flow from Financing | -$611,000,000 (-106.34%) | $9,632,000,000 (82.29%) | $5,284,000,000 (201.54%) | -$5,204,000,000 (35.20%) |
Net Cash Flow from Operations | $9,848,000,000 (14.60%) | $8,593,000,000 (28.37%) | $6,694,000,000 (-5.71%) | $7,099,000,000 (-5.18%) |
Net Cash Flow / Change in Cash & Cash Equivalents | $334,000,000 (-91.63%) | $3,991,000,000 (128.84%) | $1,744,000,000 (159.75%) | -$2,919,000,000 (-180.13%) |
Net Cash Flow - Business Acquisitions and Disposals | -$1,444,000,000 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$6,771,000,000 (49.89%) | -$13,512,000,000 (-39.51%) | -$9,685,000,000 (-127.08%) | -$4,265,000,000 (-3849.07%) |
Capital Expenditure | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Issuance (Repayment) of Debt Securities | -$536,000,000 (-130.16%) | $1,777,000,000 (640.12%) | -$329,000,000 (74.32%) | -$1,281,000,000 (68.82%) |
Issuance (Purchase) of Equity Shares | -$1,008,000,000 (9.35%) | -$1,112,000,000 (66.51%) | -$3,320,000,000 (-15.44%) | -$2,876,000,000 (-191.98%) |
Payment of Dividends & Other Cash Distributions | -$398,000,000 (1.97%) | -$406,000,000 (6.45%) | -$434,000,000 (13.20%) | -$500,000,000 (3.85%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Depreciation Amortization & Accretion | $481,000,000 (5.02%) | $458,000,000 (9.31%) | $419,000,000 (7.44%) | $390,000,000 (1.83%) |
SYF Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 36.50% (27.18%) | 28.70% (-19.83%) | 35.80% (-18.82%) | 44.10% (92.58%) |
EBITDA Margin | 52.80% (21.94%) | 43.30% (-17.21%) | 52.30% (-15.37%) | 61.80% (69.32%) |
Return on Average Equity (ROAE) | 21.60% (33.33%) | 16.20% (-28.32%) | 22.60% (-25.41%) | 30.30% (175.45%) |
Return on Average Assets (ROAA) | 2.90% (45.00%) | 2.00% (-33.33%) | 3.00% (-33.33%) | 4.50% (221.43%) |
Return on Sales (ROS) | 47.70% (27.54%) | 37.40% (-20.76%) | 47.20% (-18.20%) | 57.70% (92.33%) |
Return on Invested Capital (ROIC) | 3.90% (50.00%) | 2.60% (-33.33%) | 3.90% (-32.76%) | 5.80% (222.22%) |
Dividend Yield | 1.50% (-40.00%) | 2.50% (-7.41%) | 2.70% (42.11%) | 1.90% (-24.00%) |
Price to Earnings Ratio (P/E) | 7.52 (2.63%) | 7.33 (38.07%) | 5.31 (-15.31%) | 6.27 (-58.82%) |
Price to Sales Ratio (P/S) | 2.69 (30.63%) | 2.06 (15.64%) | 1.78 (-33.48%) | 2.68 (-22.55%) |
Price to Book Ratio (P/B) | 1.53 (34.21%) | 1.14 (-1.13%) | 1.15 (-38.14%) | 1.86 (16.55%) |
Debt to Equity Ratio (D/E) | 6.21 (-16.71%) | 7.45 (4.59%) | 7.12 (18.48%) | 6.01 (-8.27%) |
Earnings Per Share (EPS) | 8.64 (65.83%) | 5.21 (-15.83%) | 6.19 (-16.35%) | 7.4 (224.56%) |
Sales Per Share (SPS) | 24.12 (30.28%) | 18.52 (0.52%) | 18.42 (6.49%) | 17.3 (72.56%) |
Free Cash Flow Per Share (FCFPS) | 25.29 (21.80%) | 20.77 (39.76%) | 14.86 (14.54%) | 12.97 (1.15%) |
Book Value Per Share (BVPS) | 42.58 (26.75%) | 33.6 (17.59%) | 28.57 (14.51%) | 24.95 (14.69%) |
Tangible Assets Book Value Per Share (TABVPS) | 301.37 (7.83%) | 279.47 (23.24%) | 226.78 (32.77%) | 170.81 (6.37%) |
Enterprise Value Over EBIT (EV/EBIT) | 5 (0.00%) | 5 (25.00%) | 4 (-20.00%) | 5 (-61.54%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 4.64 (0.00%) | 4.64 (17.19%) | 3.96 (-18.33%) | 4.84 (-53.94%) |
Asset Turnover | 0.08 (13.04%) | 0.07 (-17.86%) | 0.08 (-16.83%) | 0.1 (65.57%) |
Current Ratio | - | - | - | - |
Dividends | $1 (4.17%) | $0.96 (6.67%) | $0.9 (2.27%) | $0.88 (0.00%) |
Free Cash Flow (FCF) | $9,848,000,000 (14.60%) | $8,593,000,000 (28.37%) | $6,694,000,000 (-5.71%) | $7,099,000,000 (-5.18%) |
Enterprise Value (EV) | $23,005,384,895 (49.47%) | $15,391,188,508 (-10.33%) | $17,163,791,324 (-39.44%) | $28,341,353,221 (26.06%) |
Earnings Before Tax (EBT) | $4,481,000,000 (56.57%) | $2,862,000,000 (-26.99%) | $3,920,000,000 (-28.22%) | $5,461,000,000 (211.17%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $4,962,000,000 (49.46%) | $3,320,000,000 (-23.48%) | $4,339,000,000 (-25.84%) | $5,851,000,000 (173.67%) |
Invested Capital | $118,086,000,000 (0.61%) | $117,369,000,000 (10.65%) | $106,069,000,000 (6.45%) | $99,645,000,000 (1.68%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $117,335,000,000 (1.46%) | $115,646,000,000 (13.19%) | $102,172,000,000 (9.30%) | $93,475,000,000 (-0.29%) |
Market Capitalization | $25,307,384,895 (60.14%) | $15,803,188,508 (6.74%) | $14,804,791,324 (-41.68%) | $25,387,353,221 (25.29%) |
Average Equity | $15,845,500,000 (16.85%) | $13,560,750,000 (2.94%) | $13,174,000,000 (-4.58%) | $13,806,750,000 (13.47%) |
Average Assets | $120,088,500,000 (7.47%) | $111,742,000,000 (12.93%) | $98,949,250,000 (5.39%) | $93,889,000,000 (-2.75%) |
Invested Capital Average | $115,957,500,000 (5.27%) | $110,148,750,000 (10.89%) | $99,335,000,000 (5.50%) | $94,154,000,000 (-2.69%) |
Shares | 389,344,383 (-5.91%) | 413,804,360 (-8.15%) | 450,541,428 (-17.67%) | 547,259,177 (-6.26%) |
