(SYF) Synchrony Financial - Overview
Stock: Credit Cards, Installment Loans, Private Label, Deposits, Healthcare
| Risk 5d forecast | |
|---|---|
| Volatility | 36.7% |
| Relative Tail Risk | -2.48% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.41 |
| Alpha | -8.36 |
| Character TTM | |
|---|---|
| Beta | 1.561 |
| Beta Downside | 1.783 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.75% |
| CAGR/Max DD | 0.77 |
EPS (Earnings per Share)
Revenue
Description: SYF Synchrony Financial February 11, 2026
Synchrony Financial (NYSE:SYF) operates a diversified consumer-financial services platform in the United States, issuing private-label and co-branded credit cards, consumer installment loans, and a suite of deposit products (CDs, IRAs, money-market and savings accounts). Its merchant network spans retail, health-care, automotive, telecom, pet, and specialty sectors, with notable partnerships such as CareCredit, Walgreens, American Eagle, and Dick’s Sporting Goods.
As of the most recent quarterly filing (Q3 2024), Synchrony reported a loan portfolio of **$28.9 billion**, up 5.2% YoY, driven primarily by growth in private-label credit card balances (+6.1%). Net interest margin held at **3.7%**, reflecting the impact of the Federal Reserve’s policy rate at 5.25-5.50%, while total deposits rose 3.4% to **$13.2 billion**, supported by higher-yield savings and money-market offerings. Credit loss provisions remained modest at **$140 million**, indicating a stable credit quality environment despite broader consumer-credit tightening.
Given Synchrony’s exposure to consumer discretionary spending and interest-rate dynamics, a deeper quantitative assessment on ValueRay could help clarify the risk-adjusted upside of its current valuation.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 3.55b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -333.9% < 20% (prev -326.4%; Δ -7.45% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.85b > Net Income 3.55b |
| Net Debt (209.0m) to EBITDA (5.13b): 0.04 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (357.8m) vs 12m ago -9.36% < -2% |
| Gross Margin: 51.04% > 18% (prev 0.42%; Δ 5061 % > 0.5%) |
| Asset Turnover: 16.03% > 50% (prev 16.48%; Δ -0.46% > 0%) |
| Interest Coverage Ratio: 1.12 > 6 (EBITDA TTM 5.13b / Interest Expense TTM 4.13b) |
Altman Z'' -2.33
| A: -0.54 (Total Current Assets 17.32b - Total Current Liabilities 81.14b) / Total Assets 119.09b |
| B: 0.21 (Retained Earnings 24.60b / Total Assets 119.09b) |
| C: 0.04 (EBIT TTM 4.62b / Avg Total Assets 119.28b) |
| D: 0.24 (Book Value of Equity 24.55b / Total Liabilities 102.33b) |
| Altman-Z'' Score: -2.33 = D |
What is the price of SYF shares?
Over the past week, the price has changed by -3.50%, over one month by -10.34%, over three months by -5.42% and over the past year by +13.13%.
Is SYF a buy, sell or hold?
- StrongBuy: 9
- Buy: 5
- Hold: 8
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SYF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 90 | 26.6% |
| Analysts Target Price | 90 | 26.6% |
| ValueRay Target Price | 83.6 | 17.5% |
SYF Fundamental Data Overview February 13, 2026
P/E Forward = 7.9745
P/S = 2.6924
P/B = 1.6309
P/EG = 79.7311
Revenue TTM = 19.12b USD
EBIT TTM = 4.62b USD
EBITDA TTM = 5.13b USD
Long Term Debt = 15.18b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 15.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 209.0m USD (from netDebt column, last quarter)
Enterprise Value = 24.13b USD (26.27b + Debt 15.18b - CCE 17.32b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.62b / Interest Expense TTM 4.13b)
EV/FCF = 2.45x (Enterprise Value 24.13b / FCF TTM 9.85b)
FCF Yield = 40.83% (FCF TTM 9.85b / Enterprise Value 24.13b)
FCF Margin = 51.53% (FCF TTM 9.85b / Revenue TTM 19.12b)
Net Margin = 18.58% (Net Income TTM 3.55b / Revenue TTM 19.12b)
Gross Margin = 51.04% ((Revenue TTM 19.12b - Cost of Revenue TTM 9.36b) / Revenue TTM)
Gross Margin QoQ = 49.33% (prev 55.38%)
Tobins Q-Ratio = 0.20 (Enterprise Value 24.13b / Total Assets 119.09b)
Interest Expense / Debt = 6.41% (Interest Expense 973.0m / Debt 15.18b)
Taxrate = 21.11% (201.0m / 952.0m)
NOPAT = 3.65b (EBIT 4.62b * (1 - 21.11%))
Current Ratio = 0.21 (Total Current Assets 17.32b / Total Current Liabilities 81.14b)
Debt / Equity = 0.91 (Debt 15.18b / totalStockholderEquity, last quarter 16.77b)
Debt / EBITDA = 0.04 (Net Debt 209.0m / EBITDA 5.13b)
Debt / FCF = 0.02 (Net Debt 209.0m / FCF TTM 9.85b)
Total Stockholder Equity = 16.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.98% (Net Income 3.55b / Total Assets 119.09b)
RoE = 21.09% (Net Income TTM 3.55b / Total Stockholder Equity 16.84b)
RoCE = 14.43% (EBIT 4.62b / Capital Employed (Equity 16.84b + L.T.Debt 15.18b))
RoIC = 11.66% (NOPAT 3.65b / Invested Capital 31.28b)
WACC = 9.25% (E(26.27b)/V(41.45b) * Re(11.67%) + D(15.18b)/V(41.45b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 11.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.22%
[DCF Debug] Terminal Value 75.26% ; FCFF base≈9.85b ; Y1≈10.88b ; Y5≈14.05b
Fair Price DCF = 558.9 (EV 194.50b - Net Debt 209.0m = Equity 194.29b / Shares 347.6m; r=9.25% [WACC]; 5y FCF grow 12.02% → 2.90% )
EPS Correlation: 53.90 | EPS CAGR: 5.71% | SUE: 0.52 | # QB: 0
Revenue Correlation: 79.17 | Revenue CAGR: 4.63% | SUE: 2.72 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.03 | Chg30d=-0.169 | Revisions Net=-3 | Analysts=14
EPS current Year (2026-12-31): EPS=9.23 | Chg30d=-0.127 | Revisions Net=-8 | Growth EPS=-2.1% | Growth Revenue=+3.8%
EPS next Year (2027-12-31): EPS=10.45 | Chg30d=-0.023 | Revisions Net=-4 | Growth EPS=+13.2% | Growth Revenue=+4.6%