(SYF) Synchrony Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US87165B1035
Stock:
Total Rating 52
Risk 87
Buy Signal 0.52
| Risk 5d forecast | |
|---|---|
| Volatility | 38.0% |
| Relative Tail Risk | -2.20% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 2.77 |
| Character TTM | |
|---|---|
| Beta | 1.486 |
| Beta Downside | 1.950 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.75% |
| CAGR/Max DD | 0.81 |
EPS (Earnings per Share)
Revenue
Description: SYF Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
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 |
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 February 27, 2026, the stock is trading at USD 73.98 with a total of 4,675,961 shares traded.
Over the past week, the price has changed by +2.38%, over one month by -4.17%, over three months by -3.47% and over the past year by +26.11%.
Over the past week, the price has changed by +2.38%, over one month by -4.17%, over three months by -3.47% and over the past year by +26.11%.
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 | 22% |
| Analysts Target Price | 90.3 | 22% |
SYF Fundamental Data Overview February 21, 2026
P/E Trailing = 7.7866
P/E Forward = 7.8064
P/S = 2.6677
P/B = 1.5962
P/EG = 78.0365
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 = 23.89b USD (26.03b + Debt 15.18b - CCE 17.32b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.62b / Interest Expense TTM 4.13b)
EV/FCF = 2.42x (Enterprise Value 23.89b / FCF TTM 9.85b)
FCF Yield = 41.24% (FCF TTM 9.85b / Enterprise Value 23.89b)
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 23.89b / 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 = 9.06% (E(26.03b)/V(41.21b) * Re(11.39%) + D(15.18b)/V(41.21b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 11.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.22%
[DCF] Terminal Value 75.89% ; FCFF base≈9.85b ; Y1≈10.88b ; Y5≈14.05b
[DCF] Fair Price = 576.6 (EV 200.62b - Net Debt 209.0m = Equity 200.41b / Shares 347.6m; r=9.06% [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=2.04 | Chg7d=+0.000 | Chg30d=-0.159 | Revisions Net=-3 | Analysts=13
EPS current Year (2026-12-31): EPS=9.23 | Chg7d=+0.000 | Chg30d=-0.129 | Revisions Net=-11 | Growth EPS=-2.1% | Growth Revenue=+3.9%
EPS next Year (2027-12-31): EPS=10.46 | Chg7d=-0.000 | Chg30d=-0.014 | Revisions Net=-7 | Growth EPS=+13.4% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.27 (4 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 11.4% - Earnings Yield 12.8%)
[Growth] Growth Spread = +4.1% (Analyst 2.7% - Implied -1.5%)
P/E Forward = 7.8064
P/S = 2.6677
P/B = 1.5962
P/EG = 78.0365
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 = 23.89b USD (26.03b + Debt 15.18b - CCE 17.32b)
Interest Coverage Ratio = 1.12 (Ebit TTM 4.62b / Interest Expense TTM 4.13b)
EV/FCF = 2.42x (Enterprise Value 23.89b / FCF TTM 9.85b)
FCF Yield = 41.24% (FCF TTM 9.85b / Enterprise Value 23.89b)
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 23.89b / 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 = 9.06% (E(26.03b)/V(41.21b) * Re(11.39%) + D(15.18b)/V(41.21b) * Rd(6.41%) * (1-Tc(0.21)))
Discount Rate = 11.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.22%
[DCF] Terminal Value 75.89% ; FCFF base≈9.85b ; Y1≈10.88b ; Y5≈14.05b
[DCF] Fair Price = 576.6 (EV 200.62b - Net Debt 209.0m = Equity 200.41b / Shares 347.6m; r=9.06% [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=2.04 | Chg7d=+0.000 | Chg30d=-0.159 | Revisions Net=-3 | Analysts=13
EPS current Year (2026-12-31): EPS=9.23 | Chg7d=+0.000 | Chg30d=-0.129 | Revisions Net=-11 | Growth EPS=-2.1% | Growth Revenue=+3.9%
EPS next Year (2027-12-31): EPS=10.46 | Chg7d=-0.000 | Chg30d=-0.014 | Revisions Net=-7 | Growth EPS=+13.4% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.27 (4 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 11.4% - Earnings Yield 12.8%)
[Growth] Growth Spread = +4.1% (Analyst 2.7% - Implied -1.5%)