SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SYF - US87165B1035 - Common Stock
76.62 USD
+2.1 (+2.82%)
We assign a fundamental rating of 4 out of 10 to SYF. SYF was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of SYF get a neutral evaluation. Nothing too spectacular is happening here. SYF is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SYF had positive earnings in the past year.
SYF had a positive operating cash flow in the past year.
Each year in the past 5 years SYF has been profitable.
In the past 5 years SYF always reported a positive cash flow from operatings.
1.2 Ratios
SYF's Return On Assets of 2.99% is fine compared to the rest of the industry. SYF outperforms 61.82% of its industry peers.
With a decent Return On Equity value of 20.46%, SYF is doing good in the industry, outperforming 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 20.46% | ||
| 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
1.3 Margins
SYF has a Profit Margin of 18.56%. This is in the better half of the industry: SYF outperforms 72.73% of its industry peers.
In the last couple of years the Profit Margin of SYF has declined.
The Operating Margin and Gross Margin are not available for SYF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.56% | ||
| 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
2. Health
2.1 Basic Checks
SYF does not have a ROIC to compare to the WACC, probably because it is not profitable.
SYF has less shares outstanding than it did 1 year ago.
SYF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SYF has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SYF is 1.48, which is an excellent value as it means it would take SYF, only 1.48 years of fcf income to pay off all of its debts.
SYF has a better Debt to FCF ratio (1.48) than 89.09% of its industry peers.
SYF has a Debt/Equity ratio of 0.85. This is a neutral value indicating SYF is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.85, SYF is doing good in the industry, outperforming 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 1.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.58%, which is quite good.
Measured over the past years, SYF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.76% on average per year.
The Revenue has decreased by -2.74% in the past year.
Measured over the past years, SYF shows a small growth in Revenue. The Revenue has been growing by 2.61% on average per year.
EPS 1Y (TTM)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.41%
3.2 Future
SYF 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, SYF will show a decrease in Revenue. The Revenue will decrease by -0.35% on average per year.
EPS Next Y10.11%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
EPS Next 5Y-3.9%
Revenue Next Year0.8%
Revenue Next 2Y2.27%
Revenue Next 3Y2.03%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.36, the valuation of SYF can be described as reasonable.
SYF's Price/Earnings ratio is a bit cheaper when compared to the industry. SYF is cheaper than 67.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of SYF to the average of the S&P500 Index (25.65), we can say SYF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.17, the valuation of SYF can be described as reasonable.
65.45% of the companies in the same industry are more expensive than SYF, based on the Price/Forward Earnings ratio.
SYF is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.45, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.36 | ||
| Fwd PE | 8.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SYF is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SYF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.57
EPS Next 2Y4.79%
EPS Next 3Y6.88%
5. Dividend
5.1 Amount
SYF has a Yearly Dividend Yield of 1.66%.
SYF's Dividend Yield is comparable with the industry average which is at 5.23.
Compared to the average S&P500 Dividend Yield of 2.41, SYF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.66% |
5.2 History
On average, the dividend of SYF grows each year by 6.31%, which is quite nice.
SYF has paid a dividend for at least 10 years, which is a reliable track record.
As SYF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)6.31%
Div Incr Years3
Div Non Decr Years8
5.3 Sustainability
14.35% of the earnings are spent on dividend by SYF. This is a low number and sustainable payout ratio.
DP14.35%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
NYSE:SYF (11/25/2025, 3:59:05 PM)
76.62
+2.1 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.86%
Inst Owner Change-2.51%
Ins Owners0.28%
Ins Owner Change-0.46%
Market Cap27.59B
Revenue(TTM)18.82B
Net Income(TTM)3.49B
Analysts78.52
Price Target85.26 (11.28%)
Short Float %5.4%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.66% |
Yearly Dividend1.18
Dividend Growth(5Y)6.31%
DP14.35%
Div Incr Years3
Div Non Decr Years8
Ex-Date
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)2
Avg Revenue beat(4)-0.47%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)0.83%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.37%
Revenue beat(16)8
Avg Revenue beat(16)0.97%
PT rev (1m)2.6%
PT rev (3m)4.36%
EPS NQ rev (1m)-0.7%
EPS NQ rev (3m)-1.5%
EPS NY rev (1m)2.3%
EPS NY rev (3m)7.74%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)-2.9%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.36 | ||
| Fwd PE | 8.17 | ||
| P/S | 1.47 | ||
| P/FCF | 2.83 | ||
| P/OCF | 2.83 | ||
| P/B | 1.62 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.16
EY11.96%
EPS(NY)9.38
Fwd EY12.24%
FCF(TTM)27.08
FCFY35.34%
OCF(TTM)27.08
OCFY35.34%
SpS52.26
BVpS47.39
TBVpS41.33
PEG (NY)0.83
PEG (5Y)0.57
Graham Number98.83
Profitability
| Industry Rank | Sector 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)2.53%
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-Score8
Asset Turnover0.16
Health
| Industry Rank | Sector 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
WACC16.66%
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)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
EPS Next Y10.11%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.41%
Revenue Next Year0.8%
Revenue Next 2Y2.27%
Revenue Next 3Y2.03%
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 1Y20.03%
FCF growth 3Y11.53%
FCF growth 5Y1.84%
OCF growth 1Y20.03%
OCF growth 3Y11.53%
OCF growth 5Y1.84%
SYNCHRONY FINANCIAL / SYF FAQ
What is the fundamental rating for SYF stock?
ChartMill assigns a fundamental rating of 4 / 10 to SYF.
What is the valuation status of SYNCHRONY FINANCIAL (SYF) stock?
ChartMill assigns a valuation rating of 6 / 10 to SYNCHRONY FINANCIAL (SYF). This can be considered as Fairly Valued.
Can you provide the profitability details for SYNCHRONY FINANCIAL?
SYNCHRONY FINANCIAL (SYF) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for SYF stock?
The Price/Earnings (PE) ratio for SYNCHRONY FINANCIAL (SYF) is 8.36 and the Price/Book (PB) ratio is 1.62.
Can you provide the financial health for SYF stock?
The financial health rating of SYNCHRONY FINANCIAL (SYF) is 4 / 10.