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SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

NYSE:SYF - New York Stock Exchange, Inc. - US87165B1035 - Common Stock - Currency: USD

67.53  -2.14 (-3.07%)

After market: 67.5 -0.03 (-0.04%)

Fundamental Rating

4

SYF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. SYF has only an average score on both its financial health and profitability. SYF is valued correctly, but it does not seem to be growing.


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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

SYF has a better Return On Assets (2.66%) than 60.38% of its industry peers.
SYF has a Return On Equity of 18.89%. This is in the better half of the industry: SYF outperforms 79.25% of its industry peers.
Industry RankSector Rank
ROA 2.66%
ROE 18.89%
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 (17.13%) is better than 81.13% of its industry peers.
SYF's Profit Margin has declined 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) 17.13%
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.
The number of shares outstanding for SYF has been reduced compared to 5 years ago.
The debt/assets ratio for SYF has been reduced compared to a year ago.
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 1.62, which is an excellent value as it means it would take SYF, only 1.62 years of fcf income to pay off all of its debts.
SYF has a Debt to FCF ratio of 1.62. This is amongst the best in the industry. SYF outperforms 84.91% of its industry peers.
SYF has a Debt/Equity ratio of 0.94. This is a neutral value indicating SYF is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.94, SYF is doing good in the industry, outperforming 62.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC15.01%
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

SYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
The Earnings Per Share has been growing by 14.76% on average over the past years. This is quite good.
Looking at the last year, SYF shows a decrease in Revenue. The Revenue has decreased by -1.97% in the last year.
The Revenue has been growing slightly by 2.61% on average over the past years.
EPS 1Y (TTM)14.44%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%61.29%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.63%

3.2 Future

Based on estimates for the next years, SYF will show a decrease in Earnings Per Share. The EPS will decrease by -3.90% on average per year.
The Revenue is expected to decrease by -0.35% on average over the next years.
EPS Next Y-8.51%
EPS Next 2Y1.15%
EPS Next 3Y4.87%
EPS Next 5Y-3.9%
Revenue Next Year2.19%
Revenue Next 2Y2.13%
Revenue Next 3Y2.35%
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.
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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.20, 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 71.70% of the companies in the same industry.
SYF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
With a Price/Forward Earnings ratio of 7.73, 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 64.15% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SYF to the average of the S&P500 Index (36.21), we can say SYF is valued rather cheaply.
Industry RankSector Rank
PE 8.2
Fwd PE 7.73
SYF Price Earnings VS Forward Price EarningsSYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 77.36% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.54
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)0.56
EPS Next 2Y1.15%
EPS Next 3Y4.87%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.72%, SYF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.14, SYF pays a bit more dividend than its industry peers.
SYF's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.72%

5.2 History

The dividend of SYF is nicely growing with an annual growth rate of 6.31%!
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
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

5.3 Sustainability

SYF pays out 15.33% of its income as dividend. This is a sustainable payout ratio.
DP15.33%
EPS Next 2Y1.15%
EPS Next 3Y4.87%
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 (8/1/2025, 8:05:07 PM)

After market: 67.5 -0.03 (-0.04%)

67.53

-2.14 (-3.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-14 2025-10-14/amc
Inst Owners102.18%
Inst Owner Change0.34%
Ins Owners0.28%
Ins Owner Change-7.18%
Market Cap25.13B
Analysts77.69
Price Target74.78 (10.74%)
Short Float %3.63%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield 1.72%
Yearly Dividend1.18
Dividend Growth(5Y)6.31%
DP15.33%
Div Incr Years3
Div Non Decr Years8
Ex-Date08-05 2025-08-05 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.81%
Min EPS beat(2)11.87%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)14.69%
Min EPS beat(4)-2.01%
Max EPS beat(4)41.74%
EPS beat(8)7
Avg EPS beat(8)26.82%
EPS beat(12)10
Avg EPS beat(12)19.11%
EPS beat(16)13
Avg EPS beat(16)17.76%
Revenue beat(2)1
Avg Revenue beat(2)-1.1%
Min Revenue beat(2)-2.98%
Max Revenue beat(2)0.78%
Revenue beat(4)3
Avg Revenue beat(4)0.07%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)1.63%
Revenue beat(8)3
Avg Revenue beat(8)-0.65%
Revenue beat(12)5
Avg Revenue beat(12)-0.24%
Revenue beat(16)9
Avg Revenue beat(16)1.25%
PT rev (1m)13.25%
PT rev (3m)17.33%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)-4.31%
EPS NY rev (1m)0.74%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-1.78%
Revenue NY rev (1m)-2.07%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 8.2
Fwd PE 7.73
P/S 1.34
P/FCF 2.54
P/OCF 2.54
P/B 1.48
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)8.24
EY12.2%
EPS(NY)8.74
Fwd EY12.94%
FCF(TTM)26.54
FCFY39.31%
OCF(TTM)26.54
OCFY39.31%
SpS50.26
BVpS45.56
TBVpS39.82
PEG (NY)N/A
PEG (5Y)0.56
Profitability
Industry RankSector Rank
ROA 2.66%
ROE 18.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.13%
GM N/A
FCFM 52.81%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 1.62
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 308.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.01%
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)14.44%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%61.29%
EPS Next Y-8.51%
EPS Next 2Y1.15%
EPS Next 3Y4.87%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.63%
Revenue Next Year2.19%
Revenue Next 2Y2.13%
Revenue Next 3Y2.35%
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 1Y35.75%
FCF growth 3Y11.53%
FCF growth 5Y1.84%
OCF growth 1Y35.75%
OCF growth 3Y11.53%
OCF growth 5Y1.84%