(SYF) Synchrony Financial - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 24.235m USD | Total Return: 27.1% in 12m

Credit Cards, Installment Loans, Savings Accounts, Healthcare Financing
Total Rating 38
Safety 23
Buy Signal -0.24
Credit Services
Industry Rotation: -11.4
Market Cap: 24.2B
Avg Turnover: 280M
Risk 3d forecast
Volatility31.9%
VaR 5th Pctl5.54%
VaR vs Median5.48%
Reward TTM
Sharpe Ratio0.84
Rel. Str. IBD44.1
Rel. Str. Peer Group56.1
Character TTM
Beta1.597
Beta Downside1.633
Hurst Exponent0.532
Drawdowns 3y
Max DD37.75%
CAGR/Max DD0.98
CAGR/Mean DD4.53
EPS (Earnings per Share) EPS (Earnings per Share) of SYF over the last years for every Quarter: "2021-03": 1.73, "2021-06": 2.12, "2021-09": 1.67, "2021-12": 1.34, "2022-03": 1.77, "2022-06": 1.6, "2022-09": 1.47, "2022-12": 1.26, "2023-03": 1.35, "2023-06": 1.32, "2023-09": 1.48, "2023-12": 1.18, "2024-03": 1.18, "2024-06": 1.55, "2024-09": 1.94, "2024-12": 1.91, "2025-03": 1.89, "2025-06": 2.5, "2025-09": 2.86, "2025-12": 2.18, "2026-03": 2.27,
EPS CAGR: 29.93%
EPS Trend: 94.3%
Last SUE: 0.36
Qual. Beats: 0
Revenue Revenue of SYF over the last years for every Quarter: 2021-03: 3570, 2021-06: 2661, 2021-09: 3898, 2021-12: 4359, 2022-03: 4022, 2022-06: 4074, 2022-09: 4342, 2022-12: 3695, 2023-03: 3934, 2023-06: 4195, 2023-09: 4467, 2023-12: 4742, 2024-03: 4892, 2024-06: 4889, 2024-09: 4990, 2024-12: 4919, 2025-03: 4804, 2025-06: 4712, 2025-09: 4834, 2025-12: 4766, 2026-03: 5603,
Rev. CAGR: 7.06%
Rev. Trend: 83.4%
Last SUE: 1.02
Qual. Beats: 2

Warnings

Below Avwap Earnings

Tailwinds

No distinct edge detected

Description: SYF Synchrony Financial

Synchrony Financial (SYF) is a specialized consumer financial services firm headquartered in Connecticut. The company focuses on private label credit cards, co-branded cards, and installment loans through partnerships with national retailers, healthcare providers, and manufacturers. Beyond credit, Synchrony operates a digital banking platform offering certificates of deposit, savings accounts, and money market accounts to diversify its funding sources.

The private label credit card model differs from traditional banking by relying on deep integration with partner brands to drive customer loyalty and transaction volume. As a major player in the consumer finance sector, Synchronys performance is closely tied to domestic retail spending trends and the credit quality of the U.S. consumer. Investors can further evaluate these industry drivers and valuation metrics at ValueRay.

The company maintains a broad footprint across diverse verticals, including health and wellness through its CareCredit brand, as well as the automotive, outdoor, and specialty retail industries. By providing debt cancellation products and mobile-integrated financing, Synchrony leverages technology to manage point-of-sale credit delivery for both local merchants and large-scale digital platforms.

Headlines to Watch Out For
  • Consumer credit performance and net charge-off rates impact bottom-line profitability
  • Interest rate fluctuations dictate net interest margin and funding cost efficiency
  • Strategic retail partnerships and co-brand credit card volume drive loan growth
  • CFPB late fee regulations present significant downside risk to fee income
  • CareCredit healthcare financing expansion diversifies revenue beyond traditional retail cycles
Piotroski VR‑10 (Strict) 5.5
Net Income: 3.60b TTM > 0 and > 6% of Revenue
FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.06 > 1.0
NWC/Revenue: 146.0% < 20% (prev -301.4%; Δ 447.4% < -1%)
CFO/TA 0.08 > 3% & CFO 9.83b > Net Income 3.60b
Net Debt (-4.13b) to EBITDA (4.94b): -0.84 < 3
Current Ratio: 1.36 > 1.5 & < 3
Outstanding Shares: last quarter (346.0m) vs 12m ago -11.15% < -2%
Gross Margin: 61.08% > 18% (prev 0.44%; Δ 6.06k% > 0.5%)
Asset Turnover: 16.36% > 50% (prev 16.06%; Δ 0.29% > 0%)
Interest Coverage Ratio: 1.13 > 6 (EBITDA TTM 4.94b / Interest Expense TTM 4.02b)
Altman Z'' 2.75
A: 0.24 (Total Current Assets 110.22b - Total Current Liabilities 81.14b) / Total Assets 121.50b
B: 0.21 (Retained Earnings 25.21b / Total Assets 121.50b)
C: 0.04 (EBIT TTM 4.55b / Avg Total Assets 121.76b)
D: 0.24 (Book Value of Equity 25.16b / Total Liabilities 105.02b)
Altman-Z'' = 2.75 = A
What is the price of SYF shares? As of May 23, 2026, the stock is trading at USD 72.00 with a total of 2,716,954 shares traded.
Over the past week, the price has changed by +0.63%, over one month by -8.35%, over three months by +4.71% and over the past year by +27.10%.
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.
  • StrongBuy: 9
  • Buy: 5
  • Hold: 8
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the SYF price?
Analysts Target Price 89.6 24.4%
Synchrony Financial (SYF) - Fundamental Data Overview as of 22 May 2026
P/E Trailing = 7.4586
P/E Forward = 7.8125
P/S = 2.45
P/B = 1.5887
P/EG = 2.1109
Revenue TTM = 19.91b USD
EBIT TTM = 4.55b USD
EBITDA TTM = 4.94b USD
Long Term Debt = 16.43b USD (from longTermDebt, last quarter)
 Short Term Debt = unknown (none)
 Debt = 16.43b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.13b USD (calculated: Debt 16.43b - CCE 20.56b)
Enterprise Value = 20.10b USD (24.24b + Debt 16.43b - CCE 20.56b)
Interest Coverage Ratio = 1.13 (Ebit TTM 4.55b / Interest Expense TTM 4.02b)
EV/FCF = 2.04x (Enterprise Value 20.10b / FCF TTM 9.83b)
FCF Yield = 48.91% (FCF TTM 9.83b / Enterprise Value 20.10b)
FCF Margin = 49.38% (FCF TTM 9.83b / Revenue TTM 19.91b)
Net Margin = 18.08% (Net Income TTM 3.60b / Revenue TTM 19.91b)
Gross Margin = 61.08% ((Revenue TTM 19.91b - Cost of Revenue TTM 7.75b) / Revenue TTM)
Gross Margin QoQ = 82.72% (prev 49.33%)
Tobins Q-Ratio = 0.17 (Enterprise Value 20.10b / Total Assets 121.50b)
Interest Expense / Debt = 5.89% (Interest Expense 968.0m / Debt 16.43b)
Taxrate = 23.11% (242.0m / 1.05b)
NOPAT = 3.50b (EBIT 4.55b * (1 - 23.11%))
Current Ratio = 1.36 (Total Current Assets 110.22b / Total Current Liabilities 81.14b)
Debt / Equity = 1.00 (Debt 16.43b / totalStockholderEquity, last quarter 16.48b)
Debt / EBITDA = -0.84 (Net Debt -4.13b / EBITDA 4.94b)
Debt / FCF = -0.42 (Net Debt -4.13b / FCF TTM 9.83b)
Total Stockholder Equity = 16.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.96% (Net Income 3.60b / Total Assets 121.50b)
RoE = 21.41% (Net Income TTM 3.60b / Total Stockholder Equity 16.82b)
RoCE = 13.69% (EBIT 4.55b / Capital Employed (Equity 16.82b + L.T.Debt 16.43b))
RoIC = 17.67% (NOPAT 3.50b / Invested Capital 19.80b)
WACC = 8.74% (E(24.24b)/V(40.66b) * Re(11.60%) + D(16.43b)/V(40.66b) * Rd(5.89%) * (1-Tc(0.23)))
Discount Rate = 11.60% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -6.95%
[DCF] Terminal Value 77.28% ; FCFF base≈9.82b ; Y1≈10.85b ; Y5≈14.04b
[DCF] Fair Price = 649.4 (EV 214.29b - Net Debt -4.13b = Equity 218.42b / Shares 336.4m; r=8.74% [WACC]; 5y FCF grow 12.02% → 3.0% )
EPS Correlation: 94.33 | EPS CAGR: 29.93% | SUE: 0.36 | # QB: 0
Revenue Correlation: 83.43 | Revenue CAGR: 7.06% | SUE: 1.02 | # QB: 2
EPS current Quarter (2026-06-30): EPS=2.11 | Chg30d=-5.26% | Revisions=-50% | Analysts=15
EPS next Quarter (2026-09-30): EPS=2.59 | Chg30d=-1.50% | Revisions=+0% | Analysts=15
EPS current Year (2026-12-31): EPS=9.28 | Chg30d=+0.81% | Revisions=+22% | GrowthEPS=-1.6% | GrowthRev=+2.3%
EPS next Year (2027-12-31): EPS=10.48 | Chg30d=+1.17% | Revisions=+41% | GrowthEPS=+13.0% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -50%