MUN/SFE (MUN/SFE)

Munich Stock Exchange: MUN/SFE · EUR

€66.9

+0.89 (+1.3%)· Recorded snapshot

Market cap	21B
Revenue (ttm)	8.6B
Net income (ttm)	2.9B
EPS (ttm)	€8.57
P/E (trailing)	7.8x
P/E (forward)	7.8x
Dividend	€1.11 (1.66%)
Volume	43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 8.6B
Net income (ttm): 2.9B
EPS (ttm): €8.57
P/E (trailing): 7.8x
P/E (forward): 7.8x
Market cap: 21B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.8

P25 n/aP50 n/aP75 n/a

Trailing P/E7.8

P25 n/aP50 n/aP75 n/a

ROE19.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All MUN/SFE indicators

Market & fundamental data

Available fields

181

Groups with data

Currency

USD

Showing 181 of 181 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-20
Employees	20,000
Employees change	0
Employees growth	0%
Exchange	Munich Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1932
Industry	Credit Services
Is primary listing	No
ISIN number	US87165B1035
Last earnings date	2026-10-20
Last refreshed	2026-10-28
Market cap	EUR 21B
Next earnings date	2027-01-22
Price	EUR 66.88
Price currency	EUR
Sector	Financials
SIC code	6141
Stock price date	2026-07-29
Symbol	mun/SFE
Website	https://www.synchrony.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	7.96x
Average P/E ratio (3Y)	7.17x
Average P/E ratio (5Y)	6.29x
Earnings yield	12.82%
Forward P/E	7.84x
Graham number	97.66172
Graham upside	46.03%
Lynch fair value	EUR 45.56
Lynch upside	-31.87%
P/B ratio	1.44x
P/E ratio	7.8x
P/OCF ratio	2.44x
P/S ratio	2.43x
Price / tangible book value	1.96x
Sector forward P/E	11.95x
Sector P/E	12.95x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	23.66%
Operating margin	47.99%
Pretax margin	44.63%
Profit margin	34.07%
Profit per employee	EUR 142,745
Profitable quarters	54
Profitable years	15
Revenue per employee	EUR 430,745
ROA	2.78%
ROA (5Y)	3.07%
ROE	19.83%
ROE (5Y)	23.15%
Tax / revenue	10.56%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	4.84%
EPS growth (Q)	-6.29%
EPS growth (QoQ)	3.47%
EPS growth 10Y	13.62%
EPS growth 3Y	20.89%
EPS growth 5Y	6.18%
EPS growth years	2
Net income growth	-6.77%
Net income growth (Q)	-17.18%
Net income growth (QoQ)	0%
Net income growth 3Y	11.58%
Net income growth 5Y	-4.61%
Net income growth years	2
OCF growth	-2%
OCF growth (Q)	-5.27%
OCF growth (QoQ)	3.22%
OCF growth 10Y	3.65%
OCF growth 3Y	5.56%
OCF growth 5Y	5.88%
Revenue growth	1.43%
Revenue growth (Q)	-4.67%
Revenue growth (QoQ)	1.39%
Revenue growth 10Y	3.56%
Revenue growth 3Y	8.31%
Revenue growth 5Y	1.15%
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	EUR 8.57
Financing cash flow	EUR 1.5B
Gross profit	EUR 8.6B
Income taxes	EUR 909.7M
Investing cash flow	EUR -9.5B
Net borrowing	EUR 2.3B
Net cash flow	EUR 361M
Net income	EUR 2.9B
Operating income	EUR 4.1B
Revenue	EUR 8.6B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 42.00
Debt / equity	1.03
Goodwill	EUR 1.2B
Net cash (debt)	EUR -989.8M
Net cash / market cap	-4.72%
Net debt / equity	0.07
Piotroski F-Score	4
Property, plant and equipment	EUR 27M
Shareholders' equity	EUR 14.6B
Tangible book value	EUR 10.7B
Tangible book value per share	EUR 34.33
Total assets	EUR 107.8B
Total cash	EUR 14B
Total debt	EUR 15B
Total liabilities	EUR 93.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -66B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	11.33%
Dividend growth	8.22%
Dividend growth (3Y)	7.96%
Dividend growth (5Y)	8.5%
Dividend growth years	4
Dividend payment date	2026-11-16
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.11
Dividend yield	1.66%
Ex-dividend date	2026-11-05
Last dividend	EUR 0.30
Payout ratio	15.33%
Shareholder yield	12.99%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 39.29
1D price change	1.35%
1W price change	1.35%
1W total return	1.8%
1Y price change	24.87%
1Y return CAGR	27.75%
1Y total return	27.73%
20-day SMA	EUR 60.39
200-day SMA	EUR 35.62
3M price change	16.9%
3M total return	17.95%
50-day SMA	EUR 47.37
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 71.18
52-week high date	2026-01-12
52-week low	EUR 56.42
52-week low date	2026-03-19
5Y price change	69.15%
5Y return CAGR	13.58%
5Y total return	88.98%
6M price change	4.5%
6M total return	5.86%
All-time high	EUR 71.18
All-time high date	2026-01-12
All-time low	EUR 12.06
All-time low date	2020-03-24
Average true range (ATR)	EUR 3.67
Average volume	189.4
Change from 52-week high	-6.04%
Change from 52-week low	18.54%
Change from all-time high	-6.04%
Change from all-time low	454.47%
Change from open	-0.52%
Day's gap	1.88%
Dollar volume	EUR 2,876
High price	EUR 67.23
Low price	EUR 66.88
Monthly RSI	61.82
Open price	EUR 67.23
Position in 52-week range	0%
Previous close	EUR 65.99
Price vs 150-day SMA	70.23%
Price vs 20-day SMA	10.75%
Price vs 200-day SMA	87.77%
Price vs 50-day SMA	41.18%
Relative volume	0.23
RSI	61.48
Sharpe ratio	2.24
Sortino ratio	4.41
Volume	43
Weekly RSI	70.89
YTD price change	-2.83%
YTD total return	-1.57%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	309.1M
Shares change (QoQ)	-3.5%
Shares change (YoY)	-11.33%
Shares held by insiders	0.46%
Shares held by institutions	112.43%
Short ratio	5.1 days

Deeper analysis on MUN/SFE

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this MUN/SFE report

Is a complete MUN/SFE research report available?

No complete published report is available for mun/SFE (MUN/SFE) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

MUN/SFE (MUN/SFE)

Price

Financial snapshot

Fair-value bridge

Latest news · MUN/SFE

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All MUN/SFE indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on MUN/SFE

Frequently asked questions