SYNCHRONY FINANCIAL (SFE.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:SFE • US87165B1035

63.76 EUR
+1.3 (+2.08%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

SFE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. SFE has only an average score on both its financial health and profitability. SFE 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

  • SFE had positive earnings in the past year.
  • In the past year SFE had a positive cash flow from operations.
  • In the past 5 years SFE has always been profitable.
  • Of the past 5 years SFE 4 years had a positive operating cash flow.
SFE.DE Yearly Net Income VS EBIT VS OCF VS FCFSFE.DE 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 2025 2B 4B 6B 8B

1.2 Ratios

  • The Return On Assets of SFE (2.99%) is better than 80.00% of its industry peers.
  • SFE has a better Return On Equity (20.46%) than 90.00% of its industry peers.
Industry RankSector Rank
ROA 2.99%
ROE 20.46%
ROIC N/A
ROA(3y)2.55%
ROA(5y)2.97%
ROE(3y)19.05%
ROE(5y)22.17%
ROIC(3y)N/A
ROIC(5y)N/A
SFE.DE Yearly ROA, ROE, ROICSFE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 18.56%, SFE belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • SFE's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SFE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.56%
PM growth 5Y15.04%
GM growth 3YN/A
GM growth 5YN/A
SFE.DE Yearly Profit, Operating, Gross MarginsSFE.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • SFE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SFE has less shares outstanding
  • Compared to 5 years ago, SFE has less shares outstanding
  • SFE has a better debt/assets ratio than last year.
SFE.DE Yearly Shares OutstandingSFE.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
SFE.DE Yearly Total Debt VS Total AssetsSFE.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • The Debt to FCF ratio of SFE is 1.48, which is an excellent value as it means it would take SFE, only 1.48 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 1.48, SFE belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.85 indicates that SFE is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.85, SFE is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC14.93%
SFE.DE Yearly LT Debt VS Equity VS FCFSFE.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFE.DE Yearly Current Assets VS Current LiabilitesSFE.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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

3

3. Growth

3.1 Past

  • SFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.78%, which is quite good.
  • The Earnings Per Share has been growing by 31.31% on average over the past years. This is a very strong growth
  • SFE shows a decrease in Revenue. In the last year, the revenue decreased by -2.80%.
  • The Revenue has been growing slightly by 5.10% on average over the past years.
EPS 1Y (TTM)8.78%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%6.81%
Revenue 1Y (TTM)-2.8%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%0.87%

3.2 Future

  • SFE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.32% yearly.
  • SFE is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.04% yearly.
EPS Next Y-0.58%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
EPS Next 5YN/A
Revenue Next Year-2.44%
Revenue Next 2Y1.22%
Revenue Next 3Y1.72%
Revenue Next 5Y-3.04%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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.
SFE.DE Yearly Revenue VS EstimatesSFE.DE 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
SFE.DE Yearly EPS VS EstimatesSFE.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.15, which indicates a very decent valuation of SFE.
  • Compared to the rest of the industry, the Price/Earnings ratio of SFE indicates a rather cheap valuation: SFE is cheaper than 90.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.06, SFE is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.21, which indicates a very decent valuation of SFE.
  • Based on the Price/Forward Earnings ratio, SFE is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
  • SFE is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.15
Fwd PE 8.21
SFE.DE Price Earnings VS Forward Price EarningsSFE.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 70.00% of the companies in the same industry are more expensive than SFE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.8
EV/EBITDA N/A
SFE.DE Per share dataSFE.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.26
EPS Next 2Y5.46%
EPS Next 3Y7.32%

More info and screens

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

6

5. Dividend

5.1 Amount

  • SFE has a Yearly Dividend Yield of 1.62%.
  • Compared to an average industry Dividend Yield of 1.41, SFE pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, SFE has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • The dividend of SFE is nicely growing with an annual growth rate of 6.31%!
Dividend Growth(5Y)6.31%
Div Incr Years2
Div Non Decr Years3
SFE.DE Yearly Dividends per shareSFE.DE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • SFE pays out 14.35% of its income as dividend. This is a sustainable payout ratio.
  • SFE's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP14.35%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
SFE.DE Yearly Income VS Free CF VS DividendSFE.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SFE.DE Dividend Payout.SFE.DE Dividend Payout, showing the Payout Ratio.SFE.DE Dividend Payout.PayoutRetained Earnings

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SYNCHRONY FINANCIAL

FRA:SFE (2/6/2026, 7:00:00 PM)

63.76

+1.3 (+2.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners106.07%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap22.96B
Revenue(TTM)18.99B
Net Income(TTM)3.49B
Analysts77.04
Price Target76.61 (20.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend1
Dividend Growth(5Y)6.31%
DP14.35%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.51%
Min EPS beat(2)27.28%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)19.72%
Min EPS beat(4)-2.01%
Max EPS beat(4)41.74%
EPS beat(8)7
Avg EPS beat(8)29.91%
EPS beat(12)10
Avg EPS beat(12)20.91%
EPS beat(16)13
Avg EPS beat(16)17.52%
Revenue beat(2)1
Avg Revenue beat(2)0.12%
Min Revenue beat(2)-0.4%
Max Revenue beat(2)0.65%
Revenue beat(4)3
Avg Revenue beat(4)1.04%
Min Revenue beat(4)-0.4%
Max Revenue beat(4)3.65%
Revenue beat(8)7
Avg Revenue beat(8)4.32%
Revenue beat(12)10
Avg Revenue beat(12)3.15%
Revenue beat(16)14
Avg Revenue beat(16)3.6%
PT rev (1m)4.94%
PT rev (3m)78.21%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)28.24%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)30.81%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-5.05%
Revenue NY rev (1m)-3.75%
Revenue NY rev (3m)-1.15%
Valuation
Industry RankSector Rank
PE 8.15
Fwd PE 8.21
P/S 1.45
P/FCF 2.8
P/OCF 2.8
P/B 1.6
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)7.82
EY12.26%
EPS(NY)7.77
Fwd EY12.19%
FCF(TTM)22.78
FCFY35.72%
OCF(TTM)22.78
OCFY35.72%
SpS43.96
BVpS39.86
TBVpS34.76
PEG (NY)N/A
PEG (5Y)0.26
Graham Number83.75
Profitability
Industry RankSector Rank
ROA 2.99%
ROE 20.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.56%
GM N/A
FCFM 51.81%
ROA(3y)2.55%
ROA(5y)2.97%
ROE(3y)19.05%
ROE(5y)22.17%
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-0.56%
PM growth 5Y15.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 1.48
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 279.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.93%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.78%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%6.81%
EPS Next Y-0.58%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.8%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%0.87%
Revenue Next Year-2.44%
Revenue Next 2Y1.22%
Revenue Next 3Y1.72%
Revenue Next 5Y-3.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-62.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.63%
OCF growth 3YN/A
OCF growth 5YN/A

SYNCHRONY FINANCIAL / SFE.DE FAQ

What is the fundamental rating for SFE stock?

ChartMill assigns a fundamental rating of 4 / 10 to SFE.DE.


What is the valuation status of SYNCHRONY FINANCIAL (SFE.DE) stock?

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


How profitable is SYNCHRONY FINANCIAL (SFE.DE) stock?

SYNCHRONY FINANCIAL (SFE.DE) has a profitability rating of 4 / 10.


What is the earnings growth outlook for SYNCHRONY FINANCIAL?

The Earnings per Share (EPS) of SYNCHRONY FINANCIAL (SFE.DE) is expected to decline by -0.58% in the next year.


Is the dividend of SYNCHRONY FINANCIAL sustainable?

The dividend rating of SYNCHRONY FINANCIAL (SFE.DE) is 6 / 10 and the dividend payout ratio is 14.35%.