Warren Buffett Bargain Stock?

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워렌 버핏 관련 은행주 중 synchrony financial(SYF)이 저평가 매력이 있다는 분석 영상이다. 기업 개요: 상점 브랜드 신용카드 발행사이며 온라인 뱅킹 플랫폼을 빠르게 키우고 있다고 설명. 실적: 3분기 EPS 0.91달러(전년比 30% 증가), 순이자수익 9% 증가, 카드 구매액 11% 증가, 고금리 예금 잔액 80억 달러 증가·예금 성장률 14%. 수익성: 순이자마진 16.4%, ROA 2.7%, ROE 18.5%로 업계 대비 높음. 연체율(30일 이상)은 전년 동기比 21bp 낮고, 순상각은 2%p 상승에 그침. 리스크: 2018년 들어 금융업종 최악 수익률 종목 중 하나. 월마트 카드 제휴 종료(2019년 중반 만료)로 약 600억 달러 대출채권 중 100억 달러가 영향. 회사는 EPS 영향을 대체 가능하다고 주장. 밸류에이션: 2018년 예상 이익의 9배 미만, 3분기 약 9.66억 달러 자사주 매입. 기술적 분석: 월봉 기준 2014년 이후 사이클이 비교적 예측 가능하며, MACD·RSI·스토캐스틱 등 지표상 바닥권 형성 시도 중이라는 해석. 발표자는 SYF를 보유하지 않는다고 밝힘. 최종적으로 펀더멘털 분석을 권고.

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01. Warren Buffett has amassed a large portfolio of bank stocks for Berkshire Hathaway with major holdings in Bank of America Wells Fargo and American Express however one lesser-known Buffett Bank stock synchrony financial could be the most compelling value of all synchrony is a major issue er of store branded credit cards and also operates a rapidly growing online banking platform after it dramatically underperformed the banking sector thanks to the loss of a key relationship now might be the time to put this dirt-cheap Buffett Bank stock on your radar for investment consideration so let's take a look synchrony financial posted third quarter earnings of 91 cents per share which represented 30 percent year-over-year earnings per share growth synchronize net interest income was 9 percent greater than a year ago and the purchase volume of its credit cards increased 11% synchronize online banking platform with 8 billion dollars of deposit growth in the company's high-yield savings accounts and CDs shows a 14 percent year-over-year growth rate although a store credit cards tend to have higher default rates than standard credit cards their higher interest rates more than offset the difference in fact synchronize net interest margin for the quarter was sixteen point four percent higher than most traditional credit card issuers and because of the branchless banking model synchrony delivers some of the best profitable metrics in the sector the banks return on assets was 2.7 percent and the return on equity was eighteen point five percent and both are much greater than the respective 1 percent and 10 percent financial industry benchmarks while credit quality has become more of a concern recently with a rising consumer debt levels synchronize net charge off ticked up but only by two percentage points and the 30 plus day delinquency rate is actually 21 basis points lower than it was in the third quarter of 2017 synchrony financial has been of the worst performing stocks in the financial sector in 2018 thus far the biggest reason for their poor performance is the loss of the company's store card partnership with Walmart which is now set to expire at mid 2019 this is a big deal for synchrony of the company's sixty point six billion dollars in retail credit card loan receivables synchrony estimated that ten billion dollars is from Walmart synchrony stated that it should be able to fully replace the earnings per share impact and based on the company's third quarter results the recovery won't likely take too long plus synchrony is taking advantage of the stocks depressed valuation having bought back about 966 million dollars in stock during the third quarter alone at a valuation of less than nine times 2018 s expected earnings perhaps synchrony deserves consideration so let's take a look at the charts we're looking at the monthly chart on synchrony financial and the symbol is s YF for disclosure purposes I do not own any synchrony financial at this time now this history doesn't go back very far it goes back into 2014 but I think it's enough to get a pretty good idea of the cycle and as you can see here the cycle is fairly decent going up and down up and down up and down and here we are in a downward move so let's take a look at what the oscillators show and the oscillators show pretty much as the price chart shows it is a relatively strong company in that it stayed above the zero line here with regard to the MACD and based on the prior bottoms that we see there there and here I would imagine that will try to set up another bottom here in this area looking at the histogram that shows somewhat the same here with a very slightly negative histogram attempting a bottom in this area here kind of as it did in these times in the past looking here at the price rate of change price rate change is relatively decent as well above the zero line and the fast I just came through the slow line here but I don't imagine that we're gonna see much more downside to that given what we've already seen in the price chart and in the Mac looking here at the RSI somewhat the same we've hit these areas here in the past did not go below that line there I think that's probably about maybe the 30 I'm not quite sure but it's staying close to that 50 or mid line and I think it's going to do that again here into the stoke ass six the stochastics looks like they go a little bit further down both in the fast line and the slow line then they had in these periods here but again I don't think it's really all that significantly negative because it is only just slightly below the 50 or mid line there the volume looks fine nothing bad or necessarily all that good about the volume I think it's just marginal the Williams as well looks like a bottom here in mid-2000 18 with an attempt at a upward movement and recovery back up to the price chart I think the cycle although it's relatively short only going back to 2014 I think you can take a look at that price chart and those are fairly predictable cycles so that might give you an edge if you're considering synchrony financial but as always conduct your fundamental analysis and so for today that's two table charts thank you