(SYF) Synchrony Financial - Ratings and Ratios
Credit Cards, Installment Loans, Consumer Banking, Deposit Products
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.75% |
| Yield on Cost 5y | 3.52% |
| Yield CAGR 5y | 6.92% |
| Payout Consistency | 99.5% |
| Payout Ratio | 12.6% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 40.9% |
| Value at Risk 5%th | 65.4% |
| Relative Tail Risk | -2.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.40 |
| Alpha | -7.48 |
| CAGR/Max DD | 0.85 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.532 |
| Beta | 1.549 |
| Beta Downside | 1.797 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.75% |
| Mean DD | 8.67% |
| Median DD | 5.58% |
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 |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: -316.2% < 20% (prev -317.8%; Δ 1.58% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.75b > Net Income 3.58b |
| Net Debt (-1.81b) to EBITDA (5.14b): -0.35 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (379.4m) vs 12m ago -4.31% < -2% |
| Gross Margin: 50.05% > 18% (prev 0.41%; Δ 4965 % > 0.5%) |
| Asset Turnover: 16.31% > 50% (prev 16.37%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 1.08 > 6 (EBITDA TTM 5.14b / Interest Expense TTM 4.28b) |
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 23.98b / Total Assets 116.98b) |
| C: 0.04 (EBIT TTM 4.64b / Avg Total Assets 118.11b) |
| D: 0.24 (Book Value of Equity 23.93b / Total Liabilities 99.92b) |
| Altman-Z'' Score: -2.23= D |
Beneish M
| DSRI: 1.00 (Receivables 89.81b/91.16b, Revenue 19.27b/19.51b) |
| GMI: 0.81 (GM 50.05% / 40.68%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 0.99 (Revenue 19.27b / 19.51b) |
| TATA: -0.05 (NI 3.58b - CFO 9.75b) / TA 116.98b) |
| Beneish M-Score: cannot calculate (missing components) |
ValueRay F-Score (Strict, 0-100) 79.20
| 1. Piotroski: 5.0pt |
| 2. FCF Yield: 38.53% |
| 3. FCF Margin: 50.60% |
| 4. Debt/Equity: 0.85 |
| 5. Debt/Ebitda: -0.35 |
| 6. ROIC - WACC: 1.62% |
| 7. RoE: 21.29% |
| 8. Revenue Trend: 76.16% |
| 9. EPS Trend: 50.58% |
What is the price of SYF shares?
Over the past week, the price has changed by +0.51%, over one month by -9.03%, over three months by +7.41% and over the past year by +12.77%.
Is SYF a buy, sell or hold?
- 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 | 90.4 | 15.7% |
| Analysts Target Price | 90.4 | 15.7% |
| ValueRay Target Price | 92.3 | 18.2% |
SYF Fundamental Data Overview January 18, 2026
P/E Forward = 8.7642
P/S = 3.0933
P/B = 1.823
P/EG = 87.6681
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 = 25.31b USD (29.84b + Debt 14.43b - CCE 18.96b)
Interest Coverage Ratio = 1.08 (Ebit TTM 4.64b / Interest Expense TTM 4.28b)
EV/FCF = 2.60x (Enterprise Value 25.31b / FCF TTM 9.75b)
FCF Yield = 38.53% (FCF TTM 9.75b / Enterprise Value 25.31b)
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 = 0.22 (Enterprise Value 25.31b / 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 = 3.03% (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 = 9.55% (E(29.84b)/V(44.27b) * Re(11.62%) + D(14.43b)/V(44.27b) * Rd(7.01%) * (1-Tc(0.25)))
Discount Rate = 11.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.88%
[DCF Debug] Terminal Value 74.26% ; FCFF base≈9.77b ; Y1≈10.80b ; Y5≈13.94b
Fair Price DCF = 516.0 (EV 184.02b - Net Debt -1.81b = Equity 185.84b / Shares 360.2m; r=9.55% [WACC]; 5y FCF grow 12.02% → 2.90% )
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=+0.002 | Revisions Net=+0 | Analysts=12
EPS next Year (2026-12-31): EPS=9.33 | Chg30d=+0.061 | Revisions Net=+5 | Growth EPS=+0.2% | Growth Revenue=+3.5%
Additional Sources for SYF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle