(SYF) Synchrony Financial - Overview
Stock: Credit Cards, Installment Loans, Consumer Banking, Deposit Products
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.75% |
| Yield on Cost 5y | 3.55% |
| Yield CAGR 5y | 6.92% |
| Payout Consistency | 99.5% |
| Payout Ratio | 10.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 38.6% |
| Relative Tail Risk | -2.42% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.35 |
| Alpha | -5.64 |
| Character TTM | |
|---|---|
| Beta | 1.563 |
| Beta Downside | 1.793 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.75% |
| CAGR/Max DD | 0.79 |
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) 5.5
| 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: 64.12% < 20% (prev -326.4%; Δ 390.5% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.75b > Net Income 3.55b |
| Net Debt (209.0m) to EBITDA (7.53b): 0.03 < 3 |
| Current Ratio: 3.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (357.8m) vs 12m ago -9.36% < -2% |
| Gross Margin: 60.82% > 18% (prev 0.42%; Δ 6040 % > 0.5%) |
| Asset Turnover: 16.94% > 50% (prev 16.48%; Δ 0.46% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBITDA TTM 7.53b / Interest Expense TTM 4.13b) |
Altman Z'' 1.85
| A: 0.11 (Total Current Assets 18.96b - Total Current Liabilities 6.00b) / Total Assets 119.09b |
| B: 0.21 (Retained Earnings 24.60b / Total Assets 119.09b) |
| C: 0.03 (EBIT TTM 3.67b / Avg Total Assets 119.28b) |
| D: 0.24 (Book Value of Equity 24.55b / Total Liabilities 102.33b) |
| Altman-Z'' Score: 1.85 = BBB |
What is the price of SYF shares?
Over the past week, the price has changed by +0.85%, over one month by -14.70%, over three months by -0.51% and over the past year by +10.59%.
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 | 90.5 | 22.3% |
| Analysts Target Price | 90.5 | 22.3% |
| ValueRay Target Price | 86.8 | 17.2% |
SYF Fundamental Data Overview February 01, 2026
P/E Forward = 8.0192
P/S = 2.6793
P/B = 1.6398
P/EG = 80.2121
Revenue TTM = 20.21b USD
EBIT TTM = 3.67b USD
EBITDA TTM = 7.53b 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 = 26.34b USD (26.13b + Debt 15.18b - CCE 14.97b)
Interest Coverage Ratio = 0.89 (Ebit TTM 3.67b / Interest Expense TTM 4.13b)
EV/FCF = 2.70x (Enterprise Value 26.34b / FCF TTM 9.75b)
FCF Yield = 37.02% (FCF TTM 9.75b / Enterprise Value 26.34b)
FCF Margin = 48.24% (FCF TTM 9.75b / Revenue TTM 20.21b)
Net Margin = 17.58% (Net Income TTM 3.55b / Revenue TTM 20.21b)
Gross Margin = 60.82% ((Revenue TTM 20.21b - Cost of Revenue TTM 7.92b) / Revenue TTM)
Gross Margin QoQ = 83.40% (prev 55.38%)
Tobins Q-Ratio = 0.22 (Enterprise Value 26.34b / Total Assets 119.09b)
Interest Expense / Debt = 6.41% (Interest Expense 973.0m / Debt 15.18b)
Taxrate = 21.11% (201.0m / 952.0m)
NOPAT = 2.89b (EBIT 3.67b * (1 - 21.11%))
Current Ratio = 3.16 (Total Current Assets 18.96b / Total Current Liabilities 6.00b)
Debt / Equity = 0.91 (Debt 15.18b / totalStockholderEquity, last quarter 16.77b)
Debt / EBITDA = 0.03 (Net Debt 209.0m / EBITDA 7.53b)
Debt / FCF = 0.02 (Net Debt 209.0m / FCF TTM 9.75b)
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 = 11.46% (EBIT 3.67b / Capital Employed (Equity 16.84b + L.T.Debt 15.18b))
RoIC = 9.20% (NOPAT 2.89b / Invested Capital 31.46b)
WACC = 9.25% (E(26.13b)/V(41.31b) * Re(11.68%) + D(15.18b)/V(41.31b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 11.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.88%
[DCF Debug] Terminal Value 75.27% ; FCFF base≈9.77b ; Y1≈10.80b ; Y5≈13.94b
Fair Price DCF = 555.2 (EV 193.08b - Net Debt 209.0m = Equity 192.87b / Shares 347.4m; 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: 84.15 | Revenue CAGR: 10.56% | SUE: 3.43 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.06 | Chg30d=-0.146 | Revisions Net=+2 | Analysts=14
EPS current Year (2026-12-31): EPS=9.26 | Chg30d=-0.063 | Revisions Net=+2 | Growth EPS=-1.8% | Growth Revenue=+3.6%
EPS next Year (2027-12-31): EPS=10.43 | Chg30d=+0.113 | Revisions Net=+3 | Growth EPS=+12.7% | Growth Revenue=+4.9%