SYF Stock Analysis: Synchrony Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 24.113m USD | 12M Return: 2.2% | US87165B1035 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 224M
EPS Trend: 96.6%
Qual. Beats: 0
Rev. Trend: 39.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Synchrony Financial (NYSE: SYF) is a U.S.-based consumer financial services company headquartered in Stamford, Connecticut, with roots dating back to 1932. It provides a wide range of credit products-including private label credit cards, co-branded cards, and installment loans-distributed through partnerships with national and regional retailers, manufacturers, healthcare providers, and industry associations. The company also operates a deposit-taking business offering CDs, IRAs, money market accounts, and savings accounts through digital, print, and third-party channels. Notable brand partnerships include CareCredit and Walgreens in healthcare payments, as well as financing programs with retailers such as American Eagle, Dicks Sporting Goods, Guitar Center, Pandora, and Polaris across apparel, specialty retail, outdoor, music, and luxury categories. Synchrony went public in 2014 and is classified within the GICS Consumer Finance sub-industry.
As a major player in the consumer finance sector, Synchrony operates primarily as a private label credit card issuer rather than a traditional bank, relying heavily on partner-branded financing programs to generate loan receivables. Its business model is asset-intensive and sensitive to credit cycles, interest rate environments, and consumer spending trends, while its deposit-gathering arm provides a relatively low-cost funding base to support lending activities.
- Credit card outstandings expand on consumer spending growth
- Net charge-offs rise pressuring provision expenses
- Retail partner renewals drive purchase volume growth
| Net Income: 3.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -0.53 > 1.0 |
| NWC/Revenue: -344.8% < 20% (prev -316.2%; Δ -28.62% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.69b > Net Income 3.33b |
| Net Debt (1.12b) to EBITDA (4.88b): 0.23 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (322.4m) vs 12m ago -15.02% < -2% |
| Gross Margin: 51.70% > 18% (prev 50.05%; Δ 1.65% > 0.5%) |
| Asset Turnover: 15.80% > 50% (prev 16.47%; Δ -0.67% > 0%) |
| Interest Coverage Ratio: 1.12 > 6 (EBIT TTM 4.37b / Interest Expense TTM 3.90b) |
| A: -0.53 (Total Current Assets 15.9b - Total Current Liabilities 81.1b) / Total Assets 122b |
| B: 0.22 (Retained Earnings 26.7b / Total Assets 122b) |
| C: 0.04 (EBIT TTM 4.37b / Avg Total Assets 120b) |
| D: 0.16 (Book Value of Equity 16.6b / Total Liabilities 106b) |
| Altman-Z'' = -2.37 = D |
As of October 24, 2026, the stock is trading at USD 73.64 with a total of 3,787,632 shares traded. Over the past week, the price has changed by -0.05%, over one month by +4.20%, over three months by +3.05% and over the past year by +2.22%.
Current recommended Stop Loss: 71.00 (which is 3.6% or 1.4 ATR below the current price).
Synchrony Financial has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy SYF.
- StrongBuy: 12
- Buy: 4
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 87.5 | 18.9% |
P/E Trailing = 7.7359
P/E Forward = 6.6667
P/S = 2.4337
P/B = 1.5147
P/EG = 0.8772
Revenue TTM = 18.9b USD
EBIT TTM = 4.37b USD
EBITDA TTM = 4.88b USD
Long Term Debt = 15.2b USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.35b USD (from shortTermDebt, two quarters ago)
Debt = 17.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.12b USD (calculated: Debt 17.0b - CCE 15.9b)
Enterprise Value = 25.2b USD (24.1b + Debt 17.0b - CCE 15.9b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.37b / Interest Expense TTM 3.90b)
EV/FCF = 2.60x (Enterprise Value 25.2b / FCF TTM 9.69b)
FCF Yield = 38.41% (FCF TTM 9.69b / Enterprise Value 25.2b)
FCF Margin = 51.23% (FCF TTM 9.69b / Revenue TTM 18.9b)
Net Margin = 17.61% (Net Income TTM 3.33b / Revenue TTM 18.9b)
Gross Margin = 51.70% ((Revenue TTM 18.9b - Cost of Revenue TTM 9.14b) / Revenue TTM)
Gross Margin QoQ = 53.20% (prev 53.63%)
Tobins Q-Ratio = 0.21 (Enterprise Value 25.2b / Total Assets 122b)
Interest Expense / Debt = 22.88% (Interest Expense 3.90b / Debt 17.0b)
Taxrate = 23.66% (1.03b / 4.37b)
NOPAT = 3.33b (EBIT 4.37b * (1 - 23.66%))
Current Ratio = 0.20 (Total Current Assets 15.9b / Total Current Liabilities 81.1b)
Debt / Equity = 1.03 (Debt 17.0b / totalStockholderEquity, last quarter 16.6b)
Debt / EBITDA = 0.23 (Net Debt 1.12b / EBITDA 4.88b)
Debt / FCF = 0.12 (Net Debt 1.12b / FCF TTM 9.69b)
Total Stockholder Equity = 16.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.78% (Net Income 3.33b / Total Assets 122b)
RoE = 19.99% (Net Income TTM 3.33b / Total Stockholder Equity 16.7b)
RoCE = 13.71% (EBIT 4.37b / Capital Employed (Equity 16.7b + L.T.Debt 15.2b))
RoIC = 8.25% (NOPAT 3.33b / Invested Capital 40.4b)
WACC = 13.36% (E(24.1b)/V(41.1b) * Re(10.46%) + D(17.0b)/V(41.1b) * Rd(22.88%) * (1-Tc(0.24)))
Discount Rate = 10.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.08 | Cagr: -9.40%
[DCF] Terminal Value 59.65% ; FCFF base≈9.77b ; Y1≈9.66b ; Y5≈9.92b
[DCF] Fair Price = 254.2 (EV 83.8b - Net Debt 1.12b = Equity 82.7b / Shares 325.4m; r=13.36% [WACC]; 5y FCF grow -1.84% → 2.50% )
EPS Correlation: 96.62 | EPS CAGR: 32.59% | SUE: 0.73 | # QB: 0
Revenue Correlation: 39.61 | Revenue CAGR: 1.55% | SUE: 0.58 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.54 | Chg30d=-0.22% | Revisions=+44% | Analysts=15
EPS current Year (2026-12-31): EPS=9.54 | Chg30d=+1.76% | Revisions=+73% | GrowthEPS=+1.2% | GrowthRev=+1.1%
EPS next Year (2027-12-31): EPS=10.47 | Chg30d=+0.01% | Revisions=+21% | GrowthEPS=+9.2% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +54% (up=20, down=5)