(SYF) Synchrony Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US87165B1035
Stock: Credit Cards, Loans, Deposits, Banking
Total Rating 43
Risk 74
Buy Signal -0.52
| Risk 5d forecast | |
|---|---|
| Volatility | 34.0% |
| Relative Tail Risk | -4.81% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.72 |
| Alpha | -6.89 |
| Character TTM | |
|---|---|
| Beta | 1.656 |
| Beta Downside | 2.086 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.75% |
| CAGR/Max DD | 0.91 |
EPS (Earnings per Share)
Revenue
Description: SYF Synchrony Financial March 04, 2026
Synchrony Financial is a US-based consumer financial services company. It offers a range of credit products, including private label and co-branded credit cards, and consumer installment loans. The company also provides deposit products like CDs and savings accounts.
Synchrony operates within the consumer finance sector, a segment of the financial industry focused on direct lending to consumers. Its business model heavily relies on partnerships with retailers and healthcare providers to offer customized credit solutions at the point of sale. This approach is common among private label credit card issuers.
The company extends its services across various industries, including retail, healthcare, and automotive. This diversification helps mitigate risk associated with reliance on a single sector. Further research into SYFs financial health and market position can be found on ValueRay.
Headlines to watch out for
- Consumer spending directly impacts credit product demand
- Interest rate fluctuations influence net interest income
- Retail partner agreements drive private label card growth
- Loan loss provisions affect profitability
- Regulatory changes in consumer lending create compliance costs
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 5.06k% > 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 |
Beneish M
| DSRI: none (Receivables none/93.79b, Revenue 19.12b/19.69b) |
| GMI: 0.83 (GM 51.04% / 42.27%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 0.97 (Revenue 19.12b / 19.69b) |
| TATA: -0.05 (NI 3.55b - CFO 9.85b) / TA 119.09b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of SYF shares?
As of March 13, 2026, the stock is trading at USD 65.21 with a total of 4,462,874 shares traded.
Over the past week, the price has changed by -7.25%, over one month by -10.04%, over three months by -23.73% and over the past year by +21.50%.
Over the past week, the price has changed by -7.25%, over one month by -10.04%, over three months by -23.73% and over the past year by +21.50%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 90.3 | 38.4% |
| Analysts Target Price | 90.3 | 38.4% |
SYF Fundamental Data Overview March 13, 2026
P/E Trailing = 7.4321
P/E Forward = 7.5758
P/S = 2.5462
P/B = 1.549
P/EG = 3.4423
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 = 22.70b USD (24.84b + Debt 15.18b - CCE 17.32b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.62b / Interest Expense TTM 4.13b)
EV/FCF = 2.30x (Enterprise Value 22.70b / FCF TTM 9.85b)
FCF Yield = 43.39% (FCF TTM 9.85b / Enterprise Value 22.70b)
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 = 0.19 (Enterprise Value 22.70b / 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 = 9.38% (E(24.84b)/V(40.02b) * Re(12.02%) + D(15.18b)/V(40.02b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 12.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.22%
[DCF] Terminal Value 74.83% ; FCFF base≈9.85b ; Y1≈10.88b ; Y5≈14.05b
[DCF] Fair Price = 547.5 (EV 190.51b - Net Debt 209.0m = Equity 190.31b / Shares 347.6m; r=9.38% [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 (2026-06-30): EPS=2.27 | Chg7d=+0.001 | Chg30d=-0.056 | Revisions Net=-5 | Analysts=12
EPS current Year (2026-12-31): EPS=9.23 | Chg7d=-0.001 | Chg30d=-0.135 | Revisions Net=-7 | Growth EPS=-2.2% | Growth Revenue=+3.9%
EPS next Year (2027-12-31): EPS=10.46 | Chg7d=+0.000 | Chg30d=+0.002 | Revisions Net=-4 | Growth EPS=+13.4% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.45 (3 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.4% (Discount Rate 12.0% - Earnings Yield 13.5%)
[Growth] Growth Spread = +5.3% (Analyst 3.9% - Implied -1.4%)
P/E Forward = 7.5758
P/S = 2.5462
P/B = 1.549
P/EG = 3.4423
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 = 22.70b USD (24.84b + Debt 15.18b - CCE 17.32b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.62b / Interest Expense TTM 4.13b)
EV/FCF = 2.30x (Enterprise Value 22.70b / FCF TTM 9.85b)
FCF Yield = 43.39% (FCF TTM 9.85b / Enterprise Value 22.70b)
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 = 0.19 (Enterprise Value 22.70b / 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 = 9.38% (E(24.84b)/V(40.02b) * Re(12.02%) + D(15.18b)/V(40.02b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 12.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.22%
[DCF] Terminal Value 74.83% ; FCFF base≈9.85b ; Y1≈10.88b ; Y5≈14.05b
[DCF] Fair Price = 547.5 (EV 190.51b - Net Debt 209.0m = Equity 190.31b / Shares 347.6m; r=9.38% [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 (2026-06-30): EPS=2.27 | Chg7d=+0.001 | Chg30d=-0.056 | Revisions Net=-5 | Analysts=12
EPS current Year (2026-12-31): EPS=9.23 | Chg7d=-0.001 | Chg30d=-0.135 | Revisions Net=-7 | Growth EPS=-2.2% | Growth Revenue=+3.9%
EPS next Year (2027-12-31): EPS=10.46 | Chg7d=+0.000 | Chg30d=+0.002 | Revisions Net=-4 | Growth EPS=+13.4% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.45 (3 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.4% (Discount Rate 12.0% - Earnings Yield 13.5%)
[Growth] Growth Spread = +5.3% (Analyst 3.9% - Implied -1.4%)