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SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:SYF - US87165B1035 - Common Stock

83.39 USD
+0.18 (+0.22%)
Last: 12/16/2025, 8:04:00 PM
83.4 USD
+0.01 (+0.01%)
Pre-Market: 12/17/2025, 4:03:21 AM
Fundamental Rating

4

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 has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SYF had positive earnings in the past year.
In the past year SYF had a positive cash flow from operations.
Each year in the past 5 years SYF has been profitable.
Each year in the past 5 years SYF had a positive operating cash flow.
SYF Yearly Net Income VS EBIT VS OCF VS FCFSYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

With a decent Return On Assets value of 2.99%, SYF is doing good in the industry, outperforming 61.82% of the companies in the same industry.
SYF's Return On Equity of 20.46% is fine compared to the rest of the industry. SYF outperforms 74.55% of its industry peers.
Industry RankSector 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
SYF Yearly ROA, ROE, ROICSYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

The Profit Margin of SYF (18.56%) is better than 72.73% of its industry peers.
In the last couple of years the Profit Margin of SYF has declined.
SYF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
SYF Yearly Profit, Operating, Gross MarginsSYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

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.
Compared to 5 years ago, SYF has less shares outstanding
Compared to 1 year ago, SYF has an improved debt to assets ratio.
SYF Yearly Shares OutstandingSYF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
SYF Yearly Total Debt VS Total AssetsSYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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 Debt to FCF ratio of 1.48. This is amongst the best in the industry. SYF outperforms 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.
SYF has a Debt to Equity ratio of 0.85. This is in the better half of the industry: SYF outperforms 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC15.66%
SYF Yearly LT Debt VS Equity VS FCFSYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
SYF Yearly Current Assets VS Current LiabilitesSYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.58% over the past year.
The Earnings Per Share has been growing by 14.76% on average over the past years. This is quite good.
SYF shows a decrease in Revenue. In the last year, the revenue decreased by -2.74%.
SYF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.61% yearly.
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.
The Revenue is expected to decrease by -0.35% on average over the next years.
EPS Next Y10.23%
EPS Next 2Y4.71%
EPS Next 3Y6.93%
EPS Next 5Y-3.9%
Revenue Next Year0.83%
Revenue Next 2Y2.78%
Revenue Next 3Y1.89%
Revenue Next 5Y-0.35%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SYF Yearly Revenue VS EstimatesSYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
SYF Yearly EPS VS EstimatesSYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.10 indicates a reasonable valuation of SYF.
Based on the Price/Earnings ratio, SYF is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
SYF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.43.
Based on the Price/Forward Earnings ratio of 8.91, the valuation of SYF can be described as reasonable.
SYF's Price/Forward Earnings is on the same level as the industry average.
SYF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.66.
Industry RankSector Rank
PE 9.1
Fwd PE 8.91
SYF Price Earnings VS Forward Price EarningsSYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

SYF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SYF is cheaper than 70.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.08
EV/EBITDA N/A
SYF Per share dataSYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)0.62
EPS Next 2Y4.71%
EPS Next 3Y6.93%

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5

5. Dividend

5.1 Amount

SYF has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.44, SYF has a dividend in line with its industry peers.
SYF's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
Industry RankSector Rank
Dividend Yield 1.4%

5.2 History

On average, the dividend of SYF grows each year by 6.31%, which is quite nice.
SYF has been paying a dividend for at least 10 years, so it has a reliable track record.
SYF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)6.31%
Div Incr Years3
Div Non Decr Years8
SYF Yearly Dividends per shareSYF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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 2Y4.71%
EPS Next 3Y6.93%
SYF Yearly Income VS Free CF VS DividendSYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
SYF Dividend Payout.SYF Dividend Payout, showing the Payout Ratio.SYF Dividend Payout.PayoutRetained Earnings

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SYNCHRONY FINANCIAL

NYSE:SYF (12/16/2025, 8:04:00 PM)

Premarket: 83.4 +0.01 (+0.01%)

83.39

+0.18 (+0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-15 2025-10-15/bmo
Earnings (Next)01-26 2026-01-26/amc
Inst Owners106.13%
Inst Owner Change-2.49%
Ins Owners0.28%
Ins Owner Change-0.46%
Market Cap30.03B
Revenue(TTM)18.82B
Net Income(TTM)3.49B
Analysts78.52
Price Target85.45 (2.47%)
Short Float %5.33%
Short Ratio5.42
Dividend
Industry RankSector Rank
Dividend Yield 1.4%
Yearly Dividend1.18
Dividend Growth(5Y)6.31%
DP14.35%
Div Incr Years3
Div Non Decr Years8
Ex-Date11-05 2025-11-05 (0.3)
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)0.44%
PT rev (3m)3.48%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-2.47%
EPS NY rev (1m)0.11%
EPS NY rev (3m)7.85%
Revenue NQ rev (1m)1.38%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.56%
Valuation
Industry RankSector Rank
PE 9.1
Fwd PE 8.91
P/S 1.6
P/FCF 3.08
P/OCF 3.08
P/B 1.76
P/tB 2.02
EV/EBITDA N/A
EPS(TTM)9.16
EY10.98%
EPS(NY)9.36
Fwd EY11.23%
FCF(TTM)27.07
FCFY32.46%
OCF(TTM)27.07
OCFY32.46%
SpS52.25
BVpS47.38
TBVpS41.32
PEG (NY)0.89
PEG (5Y)0.62
Graham Number98.82
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)2.53%
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 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
WACC15.66%
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 Y10.23%
EPS Next 2Y4.71%
EPS Next 3Y6.93%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.41%
Revenue Next Year0.83%
Revenue Next 2Y2.78%
Revenue Next 3Y1.89%
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 5 / 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 9.1 and the Price/Book (PB) ratio is 1.76.


Can you provide the financial health for SYF stock?

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