Synchrony Financial

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  • uploads/// Takes on PayPal Square Spotify Tencent
    Company & Industry Overviews

    How PayPal Used Government Shutdown to Market Service

    The government shutdown gave PayPal (PYPL) an opportunity to draw more attention to its services.

    By Ruchi Gupta
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    Company & Industry Overviews

    Can Square Secure Bank Licensing This Time Around?

    Square (SQ) is again seeking bank licensing. The company is interested in operating an industrial bank, which would allow it to expand its operations targeted at businesses.

    By Neha Gupta
  • uploads///pypl
    Company & Industry Overviews

    Is Lending Good Business for PayPal?

    In the third quarter, PayPal reported Other Value-Added Services revenue of $340 million, representing a fall of 11% YoY (year-over-year).

    By Neha Gupta
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    Company & Industry Overviews

    Tracing the Impact of the Synchrony Deal on PayPal’s Performance

    PayPal (PYPL) sold its US consumer lending business to Synchrony Financial (SYF) in a transaction that closed in early July.

    By Neha Gupta
  • uploads///paypals revenues
    Consumer

    How PayPal’s Venmo App Is Boosting Its Revenue Growth

    PayPal (PYPL) delivered 14.0% revenue growth to $3.68 billion in the third quarter, which topped analysts’ estimates of $3.66 billion.

    By Sophia Nicholson
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    Company & Industry Overviews

    Here’s What to Know as Square’s CFO Prepares to Leave

    Square’s (SQ) longtime CFO, Sarah Friar, is set to leave the company in the coming months.

    By Neha Gupta
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    Company & Industry Overviews

    How Partnerships Are Important to Square

    A Federal Reserve report shows that access to capital remains one of the major challenges facing small businesses.

    By Neha Gupta
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    Company & Industry Overviews

    Is PayPal on Target as Square Builds a War Chest?

    In the second quarter, Square (SQ) raised additional capital of more than $860 million through the sale of convertible notes.

    By Neha Gupta
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    Company & Industry Overviews

    S&P 500’s Top Losses: Nielsen Holdings and Facebook

    Nielsen Holdings, which is a global information, data, and measurement company, was the S&P 500’s top loss on July 26.

    By Val Kensington
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    Company & Industry Overviews

    PayPal Continues to Invest in India Expansion

    PayPal (PYPL) has continued to make more investments in India since it launched domestic operations in the country last year.

    By Neha Gupta
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    Company & Industry Overviews

    Chemours Announced Its Public Offering of 450 Million Euros

    On May 22, Chemours (CC) announced the pricing of its public offering of 450 million euros. The senior notes are due 2026.

    By Peter Neil
  • uploads///analysts
    Company & Industry Overviews

    Visa: Most Analysts Recommend a ‘Buy’

    Of 38 analysts that covered Visa in April, four recommended a “hold,” 18 recommended a “buy,” and 16 recommended a “strong buy.”

    By Raymond Anderson
  • uploads///TOE
    Company & Industry Overviews

    Visa’s Total Operating Expenses Have Risen in 2018

    Visa’s total operating expenses rose 4% YoY to $1.73 billion in fiscal 2Q18. The company incurred personnel expenses of $824 million in fiscal 2Q18.

    By Raymond Anderson
  • uploads///analysts
    Company & Industry Overviews

    Discover Financial Services: Assessing Analysts’ Ratings

    Five analysts suggested a “hold,” one recommended a “strong sell,” and nine recommended a “strong buy” on DFS stock.

    By Raymond Anderson
  • uploads///rel val
    Company & Industry Overviews

    A Look at Discover’s Discounted Valuations

    Discover Financial Services (DFS) has a price-to-earnings ratio on an NTM (next-12-months) basis of ~8.9x, which highlights its lower valuations.

    By Raymond Anderson
  • uploads///EV rev
    Company & Industry Overviews

    Discover Financial’s Cashback Checking Program

    Discover’s enterprise-value-to-revenue ratio is ~4.0.

    By Raymond Anderson
  • uploads///operating margin
    Company & Industry Overviews

    What Does Discover Financial Have in Mind for 2018?

    Discover’s 4Q17 operating margin stood at ~49.6% on a TTM (trailing-12-months) basis.

    By Raymond Anderson
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    Company & Industry Overviews

    What’s Expected from Discover Financial in 1Q18?

    Wall Street analysts gave a high estimate of $2.02 and a low estimate of $1.65 on Discover’s earnings per share for 1Q18.

    By Raymond Anderson
  • uploads///EBITDA margin
    Company & Industry Overviews

    Mastercard Increases Speed during Checkouts

    On April 5, 2018, Mastercard (MA) made an announcement that from April 13 onward, all merchants in Canada and the United States would be able to eliminate the process of requiring signatures from cardholders.

    By Raymond Anderson
  • uploads///Rel Val
    Company & Industry Overviews

    Why Visa Has Premium Valuations

    Visa’s (V) price-to-book ratio stands at 6.83x on a next-12-month basis, implying a premium valuation compared to its peer average of 3.09x.

    By Raymond Anderson
  • uploads///P CF ratio
    Company & Industry Overviews

    Visa Ready Enters New Partnerships, Outlook on Fintechs

    On February 27, 2018, Visa (V) announced that it had added 14 technology companies to its Visa Ready for Transit program.

    By Raymond Anderson
  • uploads///NOR
    Company & Industry Overviews

    An Analysis of These Components of Visa’s Net Operating Revenue

    Of its total fiscal 1Q18 net operating revenue of $4.9 billion, Visa’s service revenue made up $2.1 billion, or 44.1%.

    By Raymond Anderson
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    Company & Industry Overviews

    A Major Concern: Visa’s Share in This Market Is Diluting

    The demonetization effect in India has created the need for digital payments, and Visa has seen a substantial rise in transactions as a result.

    By Raymond Anderson
  • uploads///Analysts
    Financials

    How Wall Street Views these Consumer Financial Companies

    In February 2018, Discover Financial Services (DFS) was covered by 25 analysts, of whom nine suggested a “strong buy” and five recommended a “hold” on the stock.

    By Raymond Anderson
  • uploads///ROIC
    Company & Industry Overviews

    Visa Upgrades Its Terminals in Minneapolis

    Visa (V) announced on February 2 the upgrade of various POS (point-of-sale) terminals for certain businesses in Minneapolis.

    By Raymond Anderson
  • uploads///PS ratio
    Financials

    Bitcoin Participants Saw Duplicate Transactions

    Worldpay (WP) and Visa (V) said Bitcoin participants who have executed transactions on Coinbase through debit or credit card may have come across duplicate transactions.

    By Raymond Anderson
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    Consumer

    How PayPal’s 4Q17 Returns Stacked Up to Expectations

    Strong customer activity saw PayPal generate $3.7 billion in revenue in 4Q17. Wall Street was expecting $3.6 billion.

    By Neha Gupta
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    Earnings Report

    A Look at the Trend in American Express’s Total Revenues

    American Express’s (AXP) total revenues (net of interest expense) were $8.8 billion in 4Q17 compared to $8 billion in 4Q16.

    By Raymond Anderson
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    Earnings Report

    Understanding American Express’s Global Merchant Services Segment

    American Express’s (AXP) Global Merchant Services segment saw a rise in non-interest revenues from $1.06 billion in 4Q16 to $1.14 billion in 4Q17.

    By Raymond Anderson
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    Earnings Report

    American Express’s Global Commercial Services: Net Income in 4Q17

    American Express’s (AXP) Global Commercial Services segment saw a substantial rise of 52% in net income, from $382 million in 4Q16 to $580 million in 4Q17.

    By Raymond Anderson
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    Company & Industry Overviews

    Why the PayPal–Synchrony Deal Isn’t Closing until 3Q18

    PayPal has written more than $3.0 billion in loans since 2013. Square (SQ) has written ~$1.8 billion in loans since 2014.

    By Neha Gupta
  • uploads///analysts
    Company & Industry Overviews

    What Analysts Have to Say about American Express

    In December 2017, American Express (AXP) is being tracked by 30 analysts. Five of them are suggesting a “strong buy” for the stock, and 16 are suggesting a “hold.”

    By Raymond Anderson
  • uploads///Rel val
    Company & Industry Overviews

    Why American Express Has Premium Valuations

    On an NTM (next 12-month) basis, American Express (AXP) has a PB (price-to-book) ratio of 3.92x. The average for its peers is 2.16x.

    By Raymond Anderson
  • uploads///ROE
    Company & Industry Overviews

    American Express Continues to Share Marriot’s Program

    American Express (AXP) and JPMorgan Chase (JPM) have finally sealed a deal with Marriott International (MAR) for its credit card program.

    By Raymond Anderson
  • uploads///ROA
    Company & Industry Overviews

    American Express: Income Rise for Global Merchant Services

    In the first three quarters of 2017, American Express’s (AXP) Global Merchant Services division rose 7% in income compared to the same period in 2016.

    By Raymond Anderson
  • uploads///BVPS
    Company & Industry Overviews

    How American Express’s Global Commercial Services Performed

    The Global Commercial Services division of American Express (AXP) posted total revenues after the deduction of interest expenses of $7.6 billion in the first three quarters of 2017.

    By Raymond Anderson
  • uploads///operating margin
    Company & Industry Overviews

    Analyzing American Express’s Total Expenses

    In the first three quarters of 2017, American Express (AXP) posted total expenses of $17.1 billion compared to $15.7 billion during the same period of 2016.

    By Raymond Anderson
  • uploads///PayPals free cash flows
    Company & Industry Overviews

    PayPal Lightens Portfolio by Offloading US Credit Assets

    PayPal sells credit assets PayPal (PYPL) is seeking to sell $5.8 billion of its US credit assets to Synchrony Financial (SYF) to reduce its credit burden and increase its cash liquidity. Synchrony will buy participation interests worth $1 billion in PayPal receivables, which will allow PayPal to continue to provide consumer credit products without taking […]

    By Sophia Nicholson
  • uploads///analysts ratings
    Earnings Report

    How Many Analysts Have Positive Views on Discover?

    In October 2017, Discover Financial Services (DFS) is being covered by 24 analysts. Of those, only one analyst has rated DFS a “strong sell,” and none of them have given it a “sell” rating.

    By Raymond Anderson
  • uploads///rel val
    Earnings Report

    Discover’s Discounted Valuations: A Buying Opportunity?

    Discover Financial Services’ (DFS) banking services have been ranked second in terms of customer satisfaction, according to a survey conducted by J.D. Power in August 2017.

    By Raymond Anderson
  • uploads///paypal
    Company & Industry Overviews

    PayPal Expands Its Cashback Rewards

    PayPal (PYPL) is introducing a new cashback credit card. The digital payment company has teamed up with Synchrony Bank (SYF) to launch the PayPal Cashback Mastercard.

    By Neha Gupta
  • uploads///Major holdings
    Company & Industry Overviews

    What Berkshire’s Major Portfolio Changes Indicate

    According to its 13F filings, Berkshire Hathaway’s portfolio value stood at $162 billion on June 30, 2017, representing a marginal decline from $163 billion in 1Q17.

    By Robert Karr
  • uploads///GE Article
    Company & Industry Overviews

    Jeffrey Immelt’s Restructuring Efforts at General Electric

    During Jeffrey Immelt’s 16-year tenure as GE’s CEO, the company delivered a return of 1.5% on an annual basis.

    By Samuel Prince
  • uploads///Portfolio Breakdown of the VAFAX
    Fund Managers

    Inside the Invesco American Franchise Fund Portfolio

    Information technology, consumer discretionary, and healthcare make up the core holdings of VAFAX. These three make up a combined 77% of the fund’s assets.

    By David Ashworth
  • uploads///Shed
    Financials

    How Big Is General Electric’s Capital Segment?

    GE Capital is the financial services unit of the American conglomerate General Electric (GE). It contributed ~9% to GE’s total consolidated revenue in 2015.

    By Jessica Stephans
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    Company & Industry Overviews

    General Electric’s Mission, Vision, and Strategy

    General Electric’s strategy is to reshape its portfolio from a broad conglomerate to a more focused industrial leader.

    By Jessica Stephans
  • uploads///m power
    Company & Industry Overviews

    Why General Electric Is Focusing on Industrials?

    Originally incorporated in 1892, General Electric is one of the largest and most diversified industrials and financial services corporations in the world.

    By Jessica Stephans
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    Earnings Report

    General Electric Completed Its Synchrony Spin-Off in 4Q15

    General Electric (GE) completed its Synchrony spin-off into a stand-alone entity in November 2015. It was part of GE’s plan to exit most of its financial services (XLF) businesses by 2018.

    By Jessica Stephans
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    Company & Industry Overviews

    Genworth Removed from the S&P500 Index after Market Cap Erosion

    Genworth Financial (GNW) was moved to the S&P MidCap 400 Index after its market cap declined nearly one-fifth since the financial crisis.

    By Rebecca Keats
  • uploads///PArt
    Earnings Report

    Why Are Financial Asset Sales Good for GE’s Balance Sheet?

    GE reported a $63.2 billion investment in General Electric Capital Corporation. Its asset sales may further improve GE’s balance sheet and credit metrics.

    By Mike Sonnenberg
  • uploads///PArt
    Earnings Report

    GE Opens Share Exchange Program to Spin Off Synchrony Financial

    On October 14, the Federal Reserve approved General Electric’s (GE) plan to spin off Synchrony Financial (SYF) into a standalone entity.

    By Mike Sonnenberg
  • uploads///PArt
    Earnings Report

    How Did GE Capital Perform in 3Q15?

    Due to its sheer size and reliance on wholesale funding, GE Capital Corporation has been on the radar of regulators and shareholders in recent years

    By Mike Sonnenberg
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    Earnings Report

    GE’s 3Q15 Earnings: Why Are They Particularly Significant?

    GE’s 3Q15 earnings carry a special significance. GE is undergoing a transformation to substantially reduce its dependence on the financial services business

    By Mike Sonnenberg
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