SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

NYSE:SYF • US87165B1035

68.445 USD
-0.2 (-0.28%)
Last: Mar 3, 2026, 12:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall SYF gets a fundamental rating of 4 out of 10. We evaluated SYF against 54 industry peers in the Consumer Finance industry. SYF has an average financial health and profitability rating. SYF is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years SYF has always been profitable.
  • In the past 5 years SYF always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • SYF's Return On Assets of 2.91% is in line compared to the rest of the industry. SYF outperforms 55.56% of its industry peers.
  • SYF has a Return On Equity of 20.69%. This is in the better half of the industry: SYF outperforms 72.22% of its industry peers.
Industry RankSector Rank
ROA 2.91%
ROE 20.69%
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
SYF Yearly ROA, ROE, ROICSYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With a decent Profit Margin value of 18.27%, SYF is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • SYF's Profit Margin has improved in the last couple of years.
  • 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) 18.27%
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
SYF Yearly Profit, Operating, Gross MarginsSYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • SYF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SYF has less shares outstanding
  • SYF has less shares outstanding than it did 5 years ago.
  • SYF has a better debt/assets ratio than last year.
SYF Yearly Shares OutstandingSYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
SYF Yearly Total Debt VS Total AssetsSYF 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

  • SYF has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
  • SYF has a better Debt to FCF ratio (1.54) than 87.04% of its industry peers.
  • A Debt/Equity ratio of 0.91 indicates that SYF is somewhat dependend on debt financing.
  • The Debt to Equity ratio of SYF (0.91) is better than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC13.55%
SYF Yearly LT Debt VS Equity VS FCFSYF 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
SYF Yearly Current Assets VS Current LiabilitesSYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

More info and screens

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

3

3. Growth

3.1 Past

  • SYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.78%, which is quite good.
  • Measured over the past years, SYF shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.31% on average per year.
  • SYF shows a decrease in Revenue. In the last year, the revenue decreased by -2.80%.
  • Measured over the past years, SYF shows a small growth in Revenue. The Revenue has been growing by 5.10% on average per year.
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%3.68%

3.2 Future

  • Based on estimates for the next years, SYF will show a decrease in Earnings Per Share. The EPS will decrease by -6.83% on average per year.
  • The Revenue is expected to decrease by -3.04% on average over the next years.
EPS Next Y-0.58%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
EPS Next 5Y-6.83%
Revenue Next Year-3.44%
Revenue Next 2Y0.8%
Revenue Next 3Y1.58%
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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • SYF is valuated cheaply with a Price/Earnings ratio of 7.37.
  • SYF's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, SYF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.41, the valuation of SYF can be described as very cheap.
  • SYF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SYF is cheaper than 64.81% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. SYF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.37
Fwd PE 7.41
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 74.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.42
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

PEG (NY)N/A
PEG (5Y)0.24
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

  • SYF has a Yearly Dividend Yield of 1.62%.
  • SYF's Dividend Yield is a higher than the industry average which is at 2.83.
  • Compared to an average S&P500 Dividend Yield of 1.82, SYF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • The dividend of SYF is nicely growing with an annual growth rate of 8.17%!
  • SYF has been paying a dividend for at least 10 years, so it has 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)8.17%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SYF pays out 14.70% of its income as dividend. This is a sustainable payout ratio.
DP14.7%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
SYF Yearly Income VS Free CF VS DividendSYF 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
SYF Dividend Payout.SYF Dividend Payout, showing the Payout Ratio.SYF Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SYNCHRONY FINANCIAL

NYSE:SYF (3/3/2026, 12:35:55 PM)

68.445

-0.2 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners106.07%
Inst Owner Change-3.56%
Ins Owners0.28%
Ins Owner Change8.7%
Market Cap23.79B
Revenue(TTM)18.99B
Net Income(TTM)3.47B
Analysts78.52
Price Target93.01 (35.89%)
Short Float %4.15%
Short Ratio3.1
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend1.39
Dividend Growth(5Y)8.17%
DP14.7%
Div Incr Years3
Div Non Decr Years8
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.04%
Min EPS beat(2)-1.19%
Max EPS beat(2)27.28%
EPS beat(4)3
Avg EPS beat(4)19.92%
Min EPS beat(4)-1.19%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)28.58%
EPS beat(12)9
Avg EPS beat(12)19.77%
EPS beat(16)13
Avg EPS beat(16)17.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.78%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)-0.4%
Revenue beat(4)1
Avg Revenue beat(4)-0.97%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)0.65%
Revenue beat(8)3
Avg Revenue beat(8)-0.52%
Revenue beat(12)4
Avg Revenue beat(12)-0.45%
Revenue beat(16)7
Avg Revenue beat(16)0.53%
PT rev (1m)0.05%
PT rev (3m)9.09%
EPS NQ rev (1m)-1.83%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-1.52%
Revenue NQ rev (1m)-4.01%
Revenue NQ rev (3m)-8.88%
Revenue NY rev (1m)-5.78%
Revenue NY rev (3m)-5.93%
Valuation
Industry RankSector Rank
PE 7.37
Fwd PE 7.41
P/S 1.25
P/FCF 2.42
P/OCF 2.42
P/B 1.42
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)9.29
EY13.57%
EPS(NY)9.24
Fwd EY13.49%
FCF(TTM)28.34
FCFY41.41%
OCF(TTM)28.34
OCFY41.41%
SpS54.62
BVpS48.23
TBVpS40.7
PEG (NY)N/A
PEG (5Y)0.24
Graham Number100.41
Profitability
Industry RankSector Rank
ROA 2.91%
ROE 20.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.27%
GM N/A
FCFM 51.89%
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 0.91
Debt/FCF 1.54
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 283.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.55%
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)320.88%
Profit Quality(5y)271.52%
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 5Y-6.83%
Revenue 1Y (TTM)-2.8%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%3.68%
Revenue Next Year-3.44%
Revenue Next 2Y0.8%
Revenue Next 3Y1.58%
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 1Y0.03%
FCF growth 3Y13.74%
FCF growth 5Y5.64%
OCF growth 1Y0.03%
OCF growth 3Y13.74%
OCF growth 5Y5.64%

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 for 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 financial health for SYF stock?

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


Is the dividend of SYNCHRONY FINANCIAL sustainable?

The dividend rating of SYNCHRONY FINANCIAL (SYF) is 6 / 10 and the dividend payout ratio is 14.7%.