(SYF) Synchrony Financial - Ratings and Ratios

Synchrony Financial (NYSE:SYF) is a leading consumer financial services company specializing in credit products, banking solutions, and payment technologies. Established in 1932 and headquartered in Stamford, Connecticut, the company operates through subsidiaries to deliver tailored financial services across multiple industries. Its product portfolio includes private label credit cards, co-branded credit cards, installment loans, and deposit products such as CDs, IRAs, and savings accounts. Synchrony also offers debt cancellation products, healthcare financing through CareCredit and Walgreens, and industry-specific payment solutions for retail, auto, telecommunications, and outdoor sectors. The company partners with national and regional retailers, manufacturers, and healthcare providers to distribute its products, leveraging both digital and traditional channels. Synchrony serves a diverse range of industries, including digital, health, home, auto, and pet care.

Technically, SYF is currently trading at $47.23, below its 20-day SMA of $49.66 and 50-day SMA of $55.03. The stocks 200-day SMA stands at $56.20, indicating a downtrend in recent months. The Average True Range (ATR) of 2.88 suggests moderate volatility. On a fundamental basis, Synchronys market cap is $170.31 billion, with a P/E ratio of 5.12 and a forward P/E of 5.84. The price-to-book ratio is 1.11, and the price-to-sales ratio is 1.81. The companys return on equity (RoE) is 21.10%, reflecting strong profitability.

3-Month Forecast: - Technical Outlook: SYFs price is below its key moving averages, signaling bearish momentum. The 20-day SMA crossing below the 50-day SMA suggests continued weakness. Support levels may be tested near $44, with resistance at $52. - Fundamental Outlook: Synchronys low P/E ratio and high RoE indicate undervaluation and strong profitability. Expect moderate revenue growth driven by its healthcare and digital payment segments. The companys focus on partnerships and deposit growth could stabilize performance despite macroeconomic headwinds.