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Synchrony Financial SYF Interest coverage

Interest coverage at other companies

American Express logo
American ExpressAXP
2.7×+0.1×
JPMorgan Chase logo
JPMorgan ChaseJPM
1.8×0.0×
Capital One Financial logo
Capital One FinancialCOF
1.2×-0.2×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
1×+0.8×
Mastercard logo
MastercardMA
27.1×+3.3×
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
13.4×-0.8×

Other financials

Income statement

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Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-5.0%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

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Operating cash flow$2.2B-0.8%

Valuation

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Market cap$24.93B+14.9%
Enterprise value$20.8B+22.3%
P/E6.9×-0.4×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity1×0.0×

Questions, answered.

What does interest coverage mean?
How many times the company's operating profit covers its interest bill.
How do you interpret interest coverage?
Higher is safer; below ~2× is a warning that earnings provide little cushion against the debt burden. Debt-free companies have no interest expense and the ratio is left blank.
How does interest coverage compare across companies?
Comparable across leveraged non-financials; less relevant for net-cash companies with negligible interest.