SYF (SYF)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$24.90B
EV / Sales1.25
EV / EBITDA4.88
EV / Operating Cash Flow2.57
EV / Free Cash Flow2.57

Return Metrics (TTM)

Return on Equity (ROE)20.94%
Return on Assets (ROA)2.89%
Return on Invested Capital (ROIC)2.93%
Return on Capital Employed (ROCE)3.99%

Yield Metrics

Earnings Yield14.01%
Free Cash Flow Yield39.31%

Balance Sheet Strength

Net Debt / EBITDA0.05
Current Ratio3.72
Working Capital$11.84B
Tangible Asset Value$15.38B
Net Current Asset Value-$88.84B

Working Capital Efficiency

Days Sales Outstanding1685.87
Days Payables Outstanding0.00
Operating Cycle (Days)1685.87
Cash Conversion Cycle1685.87

Capital Allocation

CapEx / Revenue0.00%
CapEx / Operating Cash Flow0.00%
R&D / Revenue0.00%
SG&A / Revenue15.17%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin51.04%
Operating Margin24.17%
Net Profit Margin18.58%

Solvency

Debt / Equity0.91
Quick Ratio0.21
Cash Ratio0.18

Per Share

Revenue / Share$53.42
FCF / Share$27.53
PE Ratio8.92