Stock · SYF · Financial Services
United States · Large Cap · listed since 2014 · Revenue 12 mo. $18.9B
Price as of 11/06/2026
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
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Summary
57.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €13.4B, market value €21.1B (P/B 1.6). At a 9% discount rate, the premium over book value only pays off with a lasting 14.2% return on equity.
Required return on equity per year
14.2%
no perpetual growth
Price to book 1.57×, above its usual range.
Middle half of 20 quarters: 1.10× to 1.50×, median 1.24×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
2 more unchanged: Revenue, 12 mo., Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 21.19% | 12.46% | Rank 84 |
| Return on capital (Greenblatt)does not count towards the rank | – | 59.04% | |
| EBIT margin | 24.17% | 23.06% | Rank 52 |
| FCF margin | 51.53% | 19.82% | Rank 83 |
| Gross margin | 51.04% | 65.53% | Rank 31 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −7.91% | 7.39% | Rank 15 |
| Earnings growth, 3 years per year | 16.74% | 15.20% | Rank 54 |
| Earnings growth, 5 years per year | 33.15% | 15.17% | Rank 85 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 13.46% | 6.47% | Rank 96 |
| FCF yield | 41.86% | 7.16% | Rank 96 |
| EV/saleslower is better | 1.12 | 2.82 | Rank 75 |
| EV/EBITlower is better | 4.63 | 14.24 | Rank 92 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −9.35% | 7.80% | Rank 21 |
| Share price, 6 months | 1.30% | 8.71% | Rank 25 |
| Share price, 3 months | −1.04% | 0.45% | Rank 43 |
| Distance from 52-week high | −16.65% | −10.68% | Rank 30 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −1.21% | 1.23% | Rank 85 |
| Change in share countlower is better | −10.67% | −0.60% | Rank 98 |
| Dividend streak in years | 9 | 5 | Rank 71 |
| Price reaction to results, market-adjusted | −1.55% | 0.00% | Rank 26 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 14.08% | 9.21% | Rank 64 |
| Net debt/EBITDAlower is better | −0.42 | 0.12 | Rank 58 |
| Debt to equitylower is better | 0.91 | 0.90 | Rank 50 |
| Volatility, 1 yearlower is better | 31.24% | 25.95% | Rank 31 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 12.2 | 2.3 | 15.9% | 832M |
| 2017 | 13.8 | 1.9 | 13.6% | 800M |
| 2018 | 15.2 | 2.8 | 19.0% | 747M |
| 2019 | 15.6 | 3.7 | 24.8% | 674M |
| 2020 | 12.8 | 1.4 | 10.9% | 584M |
| 2021 | 11.2 | 4.2 | 30.9% | 527M |
| 2022 | 13.2 | 3.0 | 23.4% | 483M |
| 2023 | 17.3 | 2.2 | 16.1% | 407M |
| 2024 | 20.8 | 3.5 | 21.1% | 401M |
| 2025 | 19.1 | 3.6 | 21.2% | 358M |
4 of 7 StockScorer Score rules met · How the score is built
Synchrony Financial mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Synchrony Financial. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Synchrony Financial.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 7.4 | 15.2 |
| P/B ratio | 1.6 | 1.8 |
| Return on equity (ROE) | 21.2% | 12.5% |
| Equity ratio | 14.1% | 9.2% |
| Debt-to-equity (D/E) | 0.91 | 0.90 |
| Dividend yield | 1.7% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| SYF | Synchrony Financialthis page | |
| AFRM | Affirm Holdings Inc | locked |
| SOFI | SoFi Technologies Inc. | locked |
| ALLY | Ally Financial Inc | locked |
| PYPL | PayPal Holdings Inc | locked |
| SHRIRAMFIN.BO | Shriram Finance Ltd | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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