SYNCHRONY FINANCIAL (SYF) Fundamental Analysis & Valuation

NYSE:SYF • US87165B1035

Current stock price

67.27 USD
+0.72 (+1.08%)
At close:
67.45 USD
+0.18 (+0.27%)
After Hours:

This SYF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SYF Profitability Analysis

1.1 Basic Checks

  • In the past year SYF was profitable.
  • In the past year SYF had a positive cash flow from operations.
  • SYF had positive earnings in each of the past 5 years.
  • 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 has a Return On Assets (2.91%) which is comparable to the rest of the industry.
  • SYF's Return On Equity of 20.69% is fine compared to the rest of the industry. SYF outperforms 70.37% 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

  • SYF has a better Profit Margin (18.27%) than 68.52% of its industry peers.
  • SYF's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SYF so they could not be analyzed.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. SYF Health Analysis

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.
  • Compared to 1 year ago, SYF has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of SYF is 1.54, which is an excellent value as it means it would take SYF, only 1.54 years of fcf income to pay off all of its debts.
  • SYF's Debt to FCF ratio of 1.54 is amongst the best of the industry. SYF outperforms 88.89% of its industry peers.
  • A Debt/Equity ratio of 0.91 indicates that SYF is somewhat dependend on debt financing.
  • SYF has a Debt to Equity ratio of 0.91. This is in the better half of the industry: SYF outperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC13.81%
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

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

3

3. SYF Growth Analysis

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.
  • SYF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.31% yearly.
  • The Revenue has decreased by -2.80% in the past year.
  • 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

  • SYF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.83% yearly.
  • Based on estimates for the next years, SYF will show a decrease in Revenue. The Revenue will decrease by -2.19% on average per year.
EPS Next Y0.43%
EPS Next 2Y5.94%
EPS Next 3Y7.71%
EPS Next 5Y-6.83%
Revenue Next Year-0.73%
Revenue Next 2Y2.07%
Revenue Next 3Y1.61%
Revenue Next 5Y-2.19%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2030 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

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5

4. SYF Valuation Analysis

4.1 Price/Earnings Ratio

  • SYF is valuated cheaply with a Price/Earnings ratio of 7.24.
  • 62.96% of the companies in the same industry are more expensive than SYF, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of SYF to the average of the S&P500 Index (25.50), we can say SYF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.21, the valuation of SYF can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, SYF is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
  • SYF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.24
Fwd PE 7.21
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SYF indicates a somewhat cheap valuation: SYF is cheaper than 72.22% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.37
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SYF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)17.03
PEG (5Y)0.23
EPS Next 2Y5.94%
EPS Next 3Y7.71%

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

5

5. SYF Dividend Analysis

5.1 Amount

  • SYF has a Yearly Dividend Yield of 1.83%. Purely for dividend investing, there may be better candidates out there.
  • The stock price of SYF dropped by -21.79% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 3.32, SYF has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, SYF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.83%

5.2 History

  • The dividend of SYF is nicely growing with an annual growth rate of 8.17%!
  • 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)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 2Y5.94%
EPS Next 3Y7.71%
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

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SYF Fundamentals: All Metrics, Ratios and Statistics

SYNCHRONY FINANCIAL

NYSE:SYF (3/24/2026, 8:04:00 PM)

After market: 67.45 +0.18 (+0.27%)

67.27

+0.72 (+1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners107.26%
Inst Owner Change-3.59%
Ins Owners0.38%
Ins Owner Change4.39%
Market Cap23.38B
Revenue(TTM)18.99B
Net Income(TTM)3.47B
Analysts80
Price Target93.01 (38.26%)
Short Float %4.26%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 1.83%
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)-0.52%
PT rev (3m)8.85%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)1.01%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)1%
Revenue NQ rev (3m)-3.3%
Revenue NY rev (1m)2.81%
Revenue NY rev (3m)-4.22%
Valuation
Industry RankSector Rank
PE 7.24
Fwd PE 7.21
P/S 1.23
P/FCF 2.37
P/OCF 2.37
P/B 1.39
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)9.29
EY13.81%
EPS(NY)9.33
Fwd EY13.87%
FCF(TTM)28.34
FCFY42.13%
OCF(TTM)28.34
OCFY42.13%
SpS54.62
BVpS48.23
TBVpS40.7
PEG (NY)17.03
PEG (5Y)0.23
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
WACC13.81%
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 Y0.43%
EPS Next 2Y5.94%
EPS Next 3Y7.71%
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-0.73%
Revenue Next 2Y2.07%
Revenue Next 3Y1.61%
Revenue Next 5Y-2.19%
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 Fundamental Analysis 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 5 / 10 and the dividend payout ratio is 14.7%.