SYNCHRONY FINANCIAL (1SYF.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1SYF • US87165B1035

62.21 EUR
+7.72 (+14.17%)
Last: Sep 29, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

1SYF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. Both the profitability and the financial health of 1SYF get a neutral evaluation. Nothing too spectacular is happening here. 1SYF has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • 1SYF had positive earnings in the past year.
  • 1SYF had a positive operating cash flow in the past year.
  • In the past 5 years 1SYF has always been profitable.
  • Each year in the past 5 years 1SYF had a positive operating cash flow.
1SYF.MI Yearly Net Income VS EBIT VS OCF VS FCF1SYF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

  • 1SYF has a Return On Assets of 2.66%. This is in the better half of the industry: 1SYF outperforms 77.78% of its industry peers.
  • With an excellent Return On Equity value of 18.89%, 1SYF belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
ROA 2.66%
ROE 18.89%
ROIC N/A
ROA(3y)2.53%
ROA(5y)2.67%
ROE(3y)19.86%
ROE(5y)20.15%
ROIC(3y)N/A
ROIC(5y)N/A
1SYF.MI Yearly ROA, ROE, ROIC1SYF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 17.13%, 1SYF belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1SYF has declined.
  • The Operating Margin and Gross Margin are not available for 1SYF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 17.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.82%
PM growth 5Y-4.27%
GM growth 3YN/A
GM growth 5YN/A
1SYF.MI Yearly Profit, Operating, Gross Margins1SYF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • 1SYF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1SYF has been reduced compared to 1 year ago.
  • 1SYF has less shares outstanding than it did 5 years ago.
  • 1SYF has a better debt/assets ratio than last year.
1SYF.MI Yearly Shares Outstanding1SYF.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
1SYF.MI Yearly Total Debt VS Total Assets1SYF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

  • 1SYF has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
  • 1SYF's Debt to FCF ratio of 1.62 is amongst the best of the industry. 1SYF outperforms 100.00% of its industry peers.
  • 1SYF has a Debt/Equity ratio of 0.94. This is a neutral value indicating 1SYF is somewhat dependend on debt financing.
  • 1SYF's Debt to Equity ratio of 0.94 is fine compared to the rest of the industry. 1SYF outperforms 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC17.55%
1SYF.MI Yearly LT Debt VS Equity VS FCF1SYF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SYF.MI Yearly Current Assets VS Current Liabilites1SYF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.44% over the past year.
  • The Earnings Per Share has been growing by 14.76% on average over the past years. This is quite good.
  • 1SYF shows a decrease in Revenue. In the last year, the revenue decreased by -1.97%.
  • The Revenue has been growing slightly by 2.61% on average over the past years.
EPS 1Y (TTM)14.44%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%61.29%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-0.02%

3.2 Future

  • 1SYF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.90% yearly.
  • Based on estimates for the next years, 1SYF will show a decrease in Revenue. The Revenue will decrease by -0.35% on average per year.
EPS Next Y2.4%
EPS Next 2Y4.11%
EPS Next 3Y6.85%
EPS Next 5Y-3.9%
Revenue Next Year0.1%
Revenue Next 2Y3.05%
Revenue Next 3Y2.08%
Revenue Next 5Y-0.35%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1SYF.MI Yearly Revenue VS Estimates1SYF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
1SYF.MI Yearly EPS VS Estimates1SYF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • 1SYF is valuated reasonably with a Price/Earnings ratio of 8.74.
  • 1SYF's Price/Earnings ratio is rather cheap when compared to the industry. 1SYF is cheaper than 88.89% of the companies in the same industry.
  • 1SYF is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 7.77, the valuation of 1SYF can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, 1SYF is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of 1SYF to the average of the S&P500 Index (27.86), we can say 1SYF is valued rather cheaply.
Industry RankSector Rank
PE 8.74
Fwd PE 7.77
1SYF.MI Price Earnings VS Forward Price Earnings1SYF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 66.67% of the companies in the same industry are more expensive than 1SYF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.71
EV/EBITDA N/A
1SYF.MI Per share data1SYF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1SYF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.65
PEG (5Y)0.59
EPS Next 2Y4.11%
EPS Next 3Y6.85%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • 1SYF has a Yearly Dividend Yield of 1.69%. Purely for dividend investing, there may be better candidates out there.
  • 1SYF's Dividend Yield is a higher than the industry average which is at 1.41.
  • Compared to an average S&P500 Dividend Yield of 1.80, 1SYF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.69%

5.2 History

  • The dividend of 1SYF is nicely growing with an annual growth rate of 6.31%!
Dividend Growth(5Y)6.31%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 15.33% of the earnings are spent on dividend by 1SYF. This is a low number and sustainable payout ratio.
DP15.33%
EPS Next 2Y4.11%
EPS Next 3Y6.85%
1SYF.MI Yearly Income VS Free CF VS Dividend1SYF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
1SYF.MI Dividend Payout.1SYF.MI Dividend Payout, showing the Payout Ratio.1SYF.MI Dividend Payout.PayoutRetained Earnings

More info and screens

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SYNCHRONY FINANCIAL

BIT:1SYF (9/29/2025, 7:00:00 PM)

62.21

+7.72 (+14.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-22
Earnings (Next)10-15
Inst Owners104.86%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap23.15B
Revenue(TTM)18.70B
Net Income(TTM)3.20B
Analysts78.52
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
Yearly Dividend1.02
Dividend Growth(5Y)6.31%
DP15.33%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.81%
Min EPS beat(2)11.87%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)14.69%
Min EPS beat(4)-2.01%
Max EPS beat(4)41.74%
EPS beat(8)7
Avg EPS beat(8)26.82%
EPS beat(12)10
Avg EPS beat(12)19.11%
EPS beat(16)13
Avg EPS beat(16)17.76%
Revenue beat(2)1
Avg Revenue beat(2)-1.17%
Min Revenue beat(2)-2.98%
Max Revenue beat(2)0.65%
Revenue beat(4)3
Avg Revenue beat(4)0.69%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)4.26%
Revenue beat(8)7
Avg Revenue beat(8)3.66%
Revenue beat(12)10
Avg Revenue beat(12)2.76%
Revenue beat(16)14
Avg Revenue beat(16)3.5%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-4.87%
EPS NQ rev (3m)-4.87%
EPS NY rev (1m)12.03%
EPS NY rev (3m)12.03%
Revenue NQ rev (1m)-1.86%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)-2.8%
Revenue NY rev (3m)-2.8%
Valuation
Industry RankSector Rank
PE 8.74
Fwd PE 7.77
P/S 1.43
P/FCF 2.71
P/OCF 2.71
P/B 1.58
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)7.12
EY11.45%
EPS(NY)8
Fwd EY12.86%
FCF(TTM)22.95
FCFY36.88%
OCF(TTM)22.95
OCFY36.88%
SpS43.45
BVpS39.39
TBVpS34.42
PEG (NY)3.65
PEG (5Y)0.59
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 2.66%
ROE 18.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.13%
GM N/A
FCFM 52.81%
ROA(3y)2.53%
ROA(5y)2.67%
ROE(3y)19.86%
ROE(5y)20.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.82%
PM growth 5Y-4.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 1.62
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 308.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.55%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)301.25%
Profit Quality(5y)326.22%
High Growth Momentum
Growth
EPS 1Y (TTM)14.44%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%61.29%
EPS Next Y2.4%
EPS Next 2Y4.11%
EPS Next 3Y6.85%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-0.02%
Revenue Next Year0.1%
Revenue Next 2Y3.05%
Revenue Next 3Y2.08%
Revenue Next 5Y-0.35%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-70.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.75%
FCF growth 3Y11.53%
FCF growth 5Y1.84%
OCF growth 1Y35.75%
OCF growth 3Y11.53%
OCF growth 5Y1.84%

SYNCHRONY FINANCIAL / 1SYF.MI FAQ

What is the ChartMill fundamental rating of SYNCHRONY FINANCIAL (1SYF.MI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1SYF.MI.


Can you provide the valuation status for SYNCHRONY FINANCIAL?

ChartMill assigns a valuation rating of 5 / 10 to SYNCHRONY FINANCIAL (1SYF.MI). This can be considered as Fairly Valued.


How profitable is SYNCHRONY FINANCIAL (1SYF.MI) stock?

SYNCHRONY FINANCIAL (1SYF.MI) has a profitability rating of 4 / 10.


How financially healthy is SYNCHRONY FINANCIAL?

The financial health rating of SYNCHRONY FINANCIAL (1SYF.MI) is 4 / 10.


Can you provide the expected EPS growth for 1SYF stock?

The Earnings per Share (EPS) of SYNCHRONY FINANCIAL (1SYF.MI) is expected to grow by 2.4% in the next year.