Overview Dividends

(SYF) Synchrony Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US87165B1035

Credit Cards, Installment Loans, Deposit Products, Banking Products

SYF EPS (Earnings per Share)

EPS Growth (3Y CAGR): 21.30%
EPS Trend (3Y Correlation): 75.3%

SYF Revenue

Revenue Growth (3Y CAGR): 3.02%
Revenue Trend (3Y Correlation): 62.0%

Description: SYF Synchrony Financial

Synchrony Financial (NYSE:SYF) is a leading consumer financial services company in the United States, offering a diverse range of credit products, including credit cards, commercial credit products, and consumer installment loans, as well as deposit products such as certificates of deposit and savings accounts.

The companys extensive product portfolio is designed to cater to various industries, including digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and others, through partnerships with national and regional retailers, local merchants, manufacturers, and healthcare service providers. Notable brands under Synchronys umbrella include CareCredit and Walgreens.

From a financial perspective, key performance indicators (KPIs) to monitor include the companys net interest income, delinquency rates, and the allowance for loan losses. The efficiency ratio, which measures the companys operating expenses as a percentage of its revenue, is also crucial. Additionally, the return on equity (RoE) of 18.32% indicates a relatively strong profitability. Other relevant metrics include the companys loan growth rate, deposit growth rate, and the ratio of credit loss provisions to net charge-offs.

To further evaluate Synchronys performance, its essential to analyze its revenue diversification across various product lines and industries, as well as its ability to adapt to changing market conditions and regulatory requirements. The companys digital presence and mobile banking capabilities are also vital in todays financial landscape.

SYF Stock Overview

Market Cap in USD	27,733m
Sub-Industry	Consumer Finance
IPO / Inception	2014-07-31

SYF Stock Ratings

Growth Rating	73.2%
Fundamental	89.6%
Dividend Rating	56.1%
Return 12m vs S&P 500	15.8%
Analyst Rating	4.05 of 5

SYF Dividends

Dividend Yield 12m	1.57%
Yield on Cost 5y	4.26%
Annual Growth 5y	3.25%
Payout Consistency	99.5%
Payout Ratio	13.4%

SYF Growth Ratios

Growth Correlation 3m	33.9%
Growth Correlation 12m	51.8%
Growth Correlation 5y	53.4%
CAGR 5y	33.18%
CAGR/Max DD 3y (Calmar Ratio)	0.88
CAGR/Mean DD 3y (Pain Ratio)	3.04
Sharpe Ratio 12m	0.63
Alpha	15.26
Beta	1.480
Volatility	30.31%
Current Volume	2905.8k
Average Volume 20d	3205.2k
Stop Loss	67.9 (-3.2%)
Signal	0.79

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (3.27b TTM) > 0 and > 6% of Revenue (6% = 1.27b TTM)

FCFTA 0.08 (>2.0%) and ΔFCFTA 0.29pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -282.1% (prev -288.2%; Δ 6.08pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 9.88b > Net Income 3.27b (YES >=105%, WARN >=100%)

Net Debt (-3.45b) to EBITDA (8.96b) ratio: -0.38 <= 3.0 (WARN <= 3.5)

Current Ratio 0.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (379.1m) change vs 12m ago -5.84% (target <= -2.0% for YES)

Gross Margin 58.16% (prev 47.37%; Δ 10.79pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 17.62% (prev 17.79%; Δ -0.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.91 (EBITDA TTM 8.96b / Interest Expense TTM 4.45b) >= 6 (WARN >= 3)

Altman Z'' -1.93

(A) -0.50 = (Total Current Assets 22.36b - Total Current Liabilities 82.26b) / Total Assets 120.50b

(B) 0.19 = Retained Earnings (Balance) 23.04b / Total Assets 120.50b

(D) 0.22 = Book Value of Equity 22.99b / Total Liabilities 103.55b

Total Rating: -1.93 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 89.64

1. Piotroski 5.0pt = 0.0

2. FCF Yield 46.19% = 5.0

3. FCF Margin 46.51% = 7.50

4. Debt/Equity 0.94 = 2.07

5. Debt/Ebitda -0.38 = 2.50

6. ROIC - WACC (= 11.75)% = 12.50

7. RoE 19.77% = 1.65

8. Rev. Trend 62.04% = 4.65

9. EPS Trend 75.28% = 3.76

What is the price of SYF shares?

As of October 14, 2025, the stock is trading at USD 70.14 with a total of 2,905,800 shares traded.
Over the past week, the price has changed by -1.74%, over one month by -8.05%, over three months by -0.61% and over the past year by +33.02%.

Is Synchrony Financial a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Synchrony Financial (NYSE:SYF) is currently (October 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 89.64 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SYF is around 74.52 USD . This means that SYF is currently overvalued and has a potential downside of 6.24%.

Is SYF a buy, sell or hold?

Synchrony Financial has received a consensus analysts rating of 4.05. Therefore, it is recommended to buy SYF.

Strong Buy: 9
Buy: 5
Hold: 8
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the SYF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	80.5	14.7%
Analysts Target Price	80.5	14.7%
ValueRay Target Price	83.6	19.1%

Last update: 2025-09-30 03:56

SYF Fundamental Data Overview

Market Cap USD = 27.73b (27.73b USD * 1.0 USD.USD)
P/E Trailing = 9.0571
P/E Forward = 8.3333
P/S = 3.0194
P/B = 1.7631
P/EG = 1.6071
Beta = 1.48
Revenue TTM = 21.23b USD
EBIT TTM = 8.50b USD
EBITDA TTM = 8.96b USD
Long Term Debt = 16.01b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 16.01b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.45b USD (from netDebt column, last quarter)
Enterprise Value = 21.38b USD (27.73b + Debt 16.01b - CCE 22.36b)
Interest Coverage Ratio = 1.91 (Ebit TTM 8.50b / Interest Expense TTM 4.45b)
FCF Yield = 46.19% (FCF TTM 9.88b / Enterprise Value 21.38b)
FCF Margin = 46.51% (FCF TTM 9.88b / Revenue TTM 21.23b)
Net Margin = 15.38% (Net Income TTM 3.27b / Revenue TTM 21.23b)
Gross Margin = 58.16% ((Revenue TTM 21.23b - Cost of Revenue TTM 8.88b) / Revenue TTM)
Gross Margin QoQ = 81.85% (prev 54.78%)
Tobins Q-Ratio = 0.18 (Enterprise Value 21.38b / Total Assets 120.50b)
Interest Expense / Debt = 6.65% (Interest Expense 1.06b / Debt 16.01b)
Taxrate = 23.01% (289.0m / 1.26b)
NOPAT = 6.55b (EBIT 8.50b * (1 - 23.01%))
Current Ratio = 0.27 (Total Current Assets 22.36b / Total Current Liabilities 82.26b)
Debt / Equity = 0.94 (Debt 16.01b / totalStockholderEquity, last quarter 16.95b)
Debt / EBITDA = -0.38 (Net Debt -3.45b / EBITDA 8.96b)
Debt / FCF = -0.35 (Net Debt -3.45b / FCF TTM 9.88b)
Total Stockholder Equity = 16.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.71% (Net Income 3.27b / Total Assets 120.50b)
RoE = 19.77% (Net Income TTM 3.27b / Total Stockholder Equity 16.52b)
RoCE = 26.14% (EBIT 8.50b / Capital Employed (Equity 16.52b + L.T.Debt 16.01b))
RoIC = 20.90% (NOPAT 6.55b / Invested Capital 31.33b)
WACC = 9.15% (E(27.73b)/V(43.74b) * Re(11.47%) + D(16.01b)/V(43.74b) * Rd(6.65%) * (1-Tc(0.23)))
Discount Rate = 11.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.47%
[DCF Debug] Terminal Value 68.67% ; FCFE base≈9.74b ; Y1≈10.76b ; Y5≈13.93b
Fair Price DCF = 385.1 (DCF Value 143.29b / Shares Outstanding 372.1m; 5y FCF grow 12.02% → 3.0% )
EPS Correlation: 75.28 | EPS CAGR: 21.30% | SUE: 4.0 | # QB: 2
Revenue Correlation: 62.04 | Revenue CAGR: 3.02% | SUE: 0.21 | # QB: 0

Additional Sources for SYF Stock

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