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BIT/1SYF (BIT/1SYF)

Borsa Italiana: BIT/1SYF · EUR

€63.7

+1.90 (+3.1%)· Recorded snapshot

Market cap	21B
Revenue (ttm)	8.6B
Net income (ttm)	2.9B
EPS (ttm)	€8.57
P/E (trailing)	7.4x
P/E (forward)	7.8x
Dividend	€1.11 (1.74%)

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): 7.4x
P/E (forward): 7.8x
Market cap: 21B

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-10-20
Employees	20,000
Employees change	0
Employees growth	0%
Exchange	Borsa Italiana
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 63.66
Price currency	EUR
Sector	Financials
SIC code	6141
Stock price date	2026-10-02
Symbol	bit/1SYF
Website	https://www.synchrony.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-20

Employees

20,000

Employees change

Employees growth

Exchange

Borsa Italiana

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

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 63.66

Price currency

EUR

Sector

Financials

SIC code

6141

Stock price date

2026-10-02

Symbol

bit/1SYF

Website

https://www.synchrony.com

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	13.46%
Forward P/E	7.84x
Graham number	92.9597
Graham upside	46.03%
Lynch fair value	EUR 43.37
Lynch upside	-31.87%
P/B ratio	1.44x
P/E ratio	7.43x
P/OCF ratio	2.44x
P/S ratio	2.43x
Price / tangible book value	1.96x
Sector forward P/E	10.84x
Sector P/E	11.71x

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

13.46%

Forward P/E

7.84x

Graham number

92.9597

Graham upside

46.03%

Lynch fair value

EUR 43.37

Lynch upside

-31.87%

P/B ratio

1.44x

P/E ratio

7.43x

P/OCF ratio

2.44x

P/S ratio

2.43x

Price / tangible book value

1.96x

Sector forward P/E

10.84x

Sector P/E

11.71x

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%

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

Profitable years

Revenue per employee

EUR 430,745

ROA

2.78%

ROA (5Y)

3.07%

ROE

19.83%

ROE (5Y)

23.15%

Tax / revenue

10.56%

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

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

Net income growth

-6.77%

Net income growth (Q)

-17.18%

Net income growth (QoQ)

Net income growth 3Y

11.58%

Net income growth 5Y

-4.61%

Net income growth years

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

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

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

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 26.9M
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

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

Property, plant and equipment

EUR 26.9M

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

Metric	Value
Working capital	EUR -66B

Metric

Value

Working capital

EUR -66B

Metric	Value
Buyback yield / dilution	11.33%
Dividend growth	7.66%
Dividend growth years	1
Dividend payment date	2026-11-16
Dividend payment years	3
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.11
Dividend yield	1.74%
Ex-dividend date	2026-11-04
Last dividend	EUR 0.30
Payout ratio	15.33%
Shareholder yield	13.07%

Metric

Value

Buyback yield / dilution

11.33%

Dividend growth

7.66%

Dividend growth years

Dividend payment date

2026-11-16

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 1.11

Dividend yield

1.74%

Ex-dividend date

2026-11-04

Last dividend

EUR 0.30

Payout ratio

15.33%

Shareholder yield

13.07%

Metric	Value
150-day SMA	EUR 63.98
1D price change	3.08%
1M price change	-4.64%
1M total return	-4.64%
1W price change	2.45%
1W total return	2.45%
1Y price change	5.68%
1Y return CAGR	6.54%
1Y total return	6.53%
20-day SMA	EUR 64.77
200-day SMA	EUR 64.37
3M price change	-4.67%
3M total return	-4.67%
50-day SMA	EUR 66.77
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 75.37
52-week high date	2026-01-09
52-week low	EUR 55.01
52-week low date	2026-03-12
6M price change	7.33%
6M total return	7.33%
All-time high	EUR 75.37
All-time high date	2026-01-09
All-time low	EUR 44.94
All-time low date	2025-04-28
Average true range (ATR)	EUR 0.93
Average volume	0
Change from 52-week high	-15.54%
Change from 52-week low	15.72%
Change from all-time high	-15.54%
Change from all-time low	41.67%
Change from open	0%
Day's gap	3.08%
High price	EUR 63.66
Low price	EUR 63.66
Monthly RSI	64.41
Open price	EUR 63.66
Previous close	EUR 61.76
Price vs 150-day SMA	-0.5%
Price vs 20-day SMA	-1.71%
Price vs 200-day SMA	-1.11%
Price vs 50-day SMA	-4.65%
Relative volume	2.63
RSI	44.75
Sharpe ratio	0.24
Sortino ratio	0.49
Weekly RSI	47.38
YTD price change	-11.25%
YTD total return	-10.89%

Metric

Value

150-day SMA

EUR 63.98

1D price change

3.08%

1M price change

-4.64%

1M total return

-4.64%

1W price change

2.45%

1W total return

2.45%

1Y price change

5.68%

1Y return CAGR

6.54%

1Y total return

6.53%

20-day SMA

EUR 64.77

200-day SMA

EUR 64.37

3M price change

-4.67%

3M total return

-4.67%

50-day SMA

EUR 66.77

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 75.37

52-week high date

2026-01-09

52-week low

EUR 55.01

52-week low date

2026-03-12

6M price change

7.33%

6M total return

7.33%

All-time high

EUR 75.37

All-time high date

2026-01-09

All-time low

EUR 44.94

All-time low date

2025-04-28

Average true range (ATR)

EUR 0.93

Average volume

Change from 52-week high

-15.54%

Change from 52-week low

15.72%

Change from all-time high

-15.54%

Change from all-time low

41.67%

Change from open

Day's gap

3.08%

High price

EUR 63.66

Low price

EUR 63.66

Monthly RSI

64.41

Open price

EUR 63.66

Previous close

EUR 61.76

Price vs 150-day SMA

-0.5%

Price vs 20-day SMA

-1.71%

Price vs 200-day SMA

-1.11%

Price vs 50-day SMA

-4.65%

Relative volume

2.63

RSI

44.75

Sharpe ratio

0.24

Sortino ratio

0.49

Weekly RSI

47.38

YTD price change

-11.25%

YTD total return

-10.89%

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	5.2 days

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

5.2 days

BIT/1SYF (BIT/1SYF)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1SYF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1SYF 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 BIT/1SYF

Frequently asked questions