Overview Dividends

(SYF) Synchrony Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US87165B1035

Credit Cards, Installment Loans, Consumer Banking, Deposit Products

Consumer Finance
Market Cap in USD: 31,026m

IPO / Inception: 2014-07-31
Return 12m vs S&P 500: 14.1%

EPS (Earnings per Share)

EPS CAGR: 22.41%
EPS Trend: 50.6%

Last SUE: 2.40
Qual. Beats: 3

Revenue

Rev. CAGR: 2.80%
Rev. Trend: 76.2%

Last SUE: 0.65
Qual. Beats: 0

Dividends

Dividend Yield	1.36%
Yield on Cost 5y	3.86%
Yield CAGR 5y	3.25%
Payout Consistency	99.5%
Payout Ratio	12.6%

Risk via 5d forecast
Volatility	28.9%
Value at Risk 5%th	46.2%
Relative Tail Risk	-2.81%

Reward TTM
Sharpe Ratio	0.89
Alpha	8.92
CAGR/Max DD	1.08

Character TTM
Hurst Exponent	0.578
Beta	1.547
Beta Downside	1.814

Drawdowns 3y
Max DD	37.75%
Mean DD	8.55%
Median DD	5.28%

Description: SYF Synchrony Financial December 17, 2025

Synchrony Financial (NYSE:SYF) is a U.S.-based consumer financial services firm that issues a broad suite of credit products-including private-label, co-branded, and general-purpose credit cards, as well as short- and long-term installment loans-and operates a deposit platform offering CDs, IRAs, money-market and savings accounts, plus sweep and affinity deposits collected through both direct channels and third-party brokerage firms.

Beyond traditional credit, Synchrony partners with retailers and healthcare providers to deliver financing solutions under brands such as CareCredit, Walgreens, American Eagle, Dick’s Sporting Goods, and Guitar Center, covering sectors from apparel to outdoor equipment and pet care.

Key recent metrics (as of Q3 2024) include a net interest margin of 3.1% (up 10 bps YoY), total loan portfolio growth of 5.2% driven primarily by credit-card balances, and a deposit base of $15.8 bn, reflecting a 4.0% increase in high-yield savings products. The business is sensitive to macro-economic factors such as Fed policy rates, consumer credit demand, and retail spending trends, which historically explain roughly 60 % of its earnings volatility.

For analysts seeking a deeper, data-driven view of SYF’s risk-adjusted returns, a quick look at ValueRay’s proprietary credit-card performance dashboards can surface additional insight.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (3.58b TTM) > 0 and > 6% of Revenue (6% = 1.16b TTM)

FCFTA 0.08 (>2.0%) and ΔFCFTA 0.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -316.2% (prev -317.8%; Δ 1.58pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 9.75b > Net Income 3.58b (YES >=105%, WARN >=100%)

Net Debt (-1.81b) to EBITDA (5.14b) ratio: -0.35 <= 3.0 (WARN <= 3.5)

Current Ratio 0.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (379.4m) change vs 12m ago -4.31% (target <= -2.0% for YES)

Gross Margin 50.05% (prev 40.68%; Δ 9.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 16.31% (prev 16.37%; Δ -0.05pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.08 (EBITDA TTM 5.14b / Interest Expense TTM 4.28b) >= 6 (WARN >= 3)

Altman Z'' -2.23

(A) -0.52 = (Total Current Assets 18.96b - Total Current Liabilities 79.89b) / Total Assets 116.98b

(B) 0.20 = Retained Earnings (Balance) 23.98b / Total Assets 116.98b

(D) 0.24 = Book Value of Equity 23.93b / Total Liabilities 99.92b

Total Rating: -2.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.06

1. Piotroski 5.0pt

2. FCF Yield 36.80%

3. FCF Margin 50.60%

4. Debt/Equity 0.85

5. Debt/Ebitda -0.35

6. ROIC - WACC (= 1.51)%

7. RoE 21.29%

8. Rev. Trend 76.16%

9. EPS Trend 50.58%

What is the price of SYF shares?

As of December 21, 2025, the stock is trading at USD 84.68 with a total of 10,512,151 shares traded.
Over the past week, the price has changed by +0.55%, over one month by +16.72%, over three months by +11.02% and over the past year by +34.10%.

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.

Strong Buy: 9
Buy: 5
Hold: 8
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the SYF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	83.9	-0.9%
Analysts Target Price	83.9	-0.9%
ValueRay Target Price	105.3	24.4%

SYF Fundamental Data Overview December 18, 2025

Market Cap USD = 31.03b (31.03b USD * 1.0 USD.USD)
P/E Trailing = 9.1436
P/E Forward = 9.1743
P/S = 3.2168
P/B = 1.8917
P/EG = 1.6071
Beta = 1.451
Revenue TTM = 19.27b USD
EBIT TTM = 4.64b USD
EBITDA TTM = 5.14b USD
Long Term Debt = 14.43b USD (from longTermDebt, last quarter)
Short Term Debt = 5.65b USD (from shortTermDebt, last fiscal year)
Debt = 14.43b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.81b USD (from netDebt column, last quarter)
Enterprise Value = 26.50b USD (31.03b + Debt 14.43b - CCE 18.96b)
Interest Coverage Ratio = 1.08 (Ebit TTM 4.64b / Interest Expense TTM 4.28b)
FCF Yield = 36.80% (FCF TTM 9.75b / Enterprise Value 26.50b)
FCF Margin = 50.60% (FCF TTM 9.75b / Revenue TTM 19.27b)
Net Margin = 18.55% (Net Income TTM 3.58b / Revenue TTM 19.27b)
Gross Margin = 50.05% ((Revenue TTM 19.27b - Cost of Revenue TTM 9.62b) / Revenue TTM)
Gross Margin QoQ = 55.38% (prev 53.08%)
Tobins Q-Ratio = 0.23 (Enterprise Value 26.50b / Total Assets 116.98b)
Interest Expense / Debt = 7.01% (Interest Expense 1.01b / Debt 14.43b)
Taxrate = 24.63% (352.0m / 1.43b)
NOPAT = 3.50b (EBIT 4.64b * (1 - 24.63%))
Current Ratio = 0.24 (Total Current Assets 18.96b / Total Current Liabilities 79.89b)
Debt / Equity = 0.85 (Debt 14.43b / totalStockholderEquity, last quarter 17.07b)
Debt / EBITDA = -0.35 (Net Debt -1.81b / EBITDA 5.14b)
Debt / FCF = -0.19 (Net Debt -1.81b / FCF TTM 9.75b)
Total Stockholder Equity = 16.79b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.06% (Net Income 3.58b / Total Assets 116.98b)
RoE = 21.29% (Net Income TTM 3.58b / Total Stockholder Equity 16.79b)
RoCE = 14.87% (EBIT 4.64b / Capital Employed (Equity 16.79b + L.T.Debt 14.43b))
RoIC = 11.18% (NOPAT 3.50b / Invested Capital 31.30b)
WACC = 9.67% (E(31.03b)/V(45.46b) * Re(11.71%) + D(14.43b)/V(45.46b) * Rd(7.01%) * (1-Tc(0.25)))
Discount Rate = 11.71% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.44%
[DCF Debug] Terminal Value 67.97% ; FCFE base≈9.77b ; Y1≈10.80b ; Y5≈13.98b
Fair Price DCF = 388.1 (DCF Value 139.80b / Shares Outstanding 360.2m; 5y FCF grow 12.02% → 3.0% )
EPS Correlation: 50.58 | EPS CAGR: 22.41% | SUE: 2.40 | # QB: 3
Revenue Correlation: 76.16 | Revenue CAGR: 2.80% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.13 | Chg30d=-0.004 | Revisions Net=-2 | Analysts=14
EPS next Year (2026-12-31): EPS=9.28 | Chg30d=+0.027 | Revisions Net=-2 | Growth EPS=-0.5% | Growth Revenue=+3.7%

Additional Sources for SYF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle