SYNCHRONY FINANCIAL (SYF) Fundamental Analysis & Valuation

NYSE:SYF • US87165B1035

Current stock price

76.06 USD
-0.56 (-0.73%)
Last:

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

  • SYF had positive earnings in the past year.
  • SYF had a positive operating cash flow in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 2.91%, SYF is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • SYF has a Return On Equity of 20.69%. This is in the better half 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

  • The Profit Margin of SYF (18.27%) is better than 68.52% of its industry peers.
  • In the last couple of years the Profit Margin of SYF has grown nicely.
  • 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.
  • Compared to 1 year ago, SYF has less shares outstanding
  • 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 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 Debt to FCF ratio of 1.54. This is amongst the best in the industry. SYF outperforms 87.04% of its industry peers.
  • SYF has a Debt/Equity ratio of 0.91. This is a neutral value indicating SYF is somewhat dependend on debt financing.
  • SYF's Debt to Equity ratio of 0.91 is fine compared to the rest of the industry. SYF outperforms 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC13.64%
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

4

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 32.65%, which is quite impressive.
  • 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.
  • Looking at the last year, SYF shows a small growth in Revenue. The Revenue has grown by 3.00% in the last year.
  • The Revenue has been growing slightly by 5.10% on average over the past years.
EPS 1Y (TTM)32.65%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%20.11%
Revenue 1Y (TTM)3%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%6.81%

3.2 Future

  • Based on estimates for the next years, SYF will show a small growth in Earnings Per Share. The EPS will grow by 2.41% on average per year.
  • SYF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.19% yearly.
EPS Next Y0.41%
EPS Next 2Y5.97%
EPS Next 3Y7.66%
EPS Next 5Y2.41%
Revenue Next Year-1.62%
Revenue Next 2Y1.69%
Revenue Next 3Y1.37%
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 2030 2 4 6 8 10

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5

4. SYF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.87, the valuation of SYF can be described as very cheap.
  • Based on the Price/Earnings ratio, SYF is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.47. SYF is valued rather cheaply when compared to this.
  • SYF is valuated cheaply with a Price/Forward Earnings ratio of 7.29.
  • SYF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SYF is cheaper than 70.37% of the companies in the same industry.
  • SYF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
Industry RankSector Rank
PE 7.87
Fwd PE 7.29
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 70.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.68
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 an expensive valuation of the company.
PEG (NY)19.23
PEG (5Y)0.25
EPS Next 2Y5.97%
EPS Next 3Y7.66%

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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 1.57%.
  • Compared to an average industry Dividend Yield of 3.11, SYF has a dividend in line with its industry peers.
  • SYF's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.57%

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.
  • SYF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.17%
Div Incr Years4
Div Non Decr Years9
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

  • 14.70% of the earnings are spent on dividend by SYF. This is a low number and sustainable payout ratio.
  • The dividend of SYF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.7%
EPS Next 2Y5.97%
EPS Next 3Y7.66%
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 (4/24/2026, 10:01:06 AM)

76.06

-0.56 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-21
Earnings (Next)07-20
Inst Owners108.08%
Inst Owner Change-0.07%
Ins Owners0.35%
Ins Owner Change4.44%
Market Cap26.44B
Revenue(TTM)19.14B
Net Income(TTM)3.47B
Analysts80
Price Target89.81 (18.08%)
Short Float %4.19%
Short Ratio3.36
Dividend
Industry RankSector Rank
Dividend Yield 1.57%
Yearly Dividend1.39
Dividend Growth(5Y)8.17%
DP14.7%
Div Incr Years4
Div Non Decr Years9
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)-3.45%
PT rev (3m)-3.4%
EPS NQ rev (1m)3.03%
EPS NQ rev (3m)3.01%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)-0.79%
Revenue NQ rev (3m)-6.32%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-3.91%
Valuation
Industry RankSector Rank
PE 7.87
Fwd PE 7.29
P/S 1.39
P/FCF 2.68
P/OCF 2.68
P/B 1.58
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)9.67
EY12.71%
EPS(NY)10.43
Fwd EY13.72%
FCF(TTM)28.34
FCFY37.26%
OCF(TTM)28.34
OCFY37.26%
SpS54.62
BVpS48.23
TBVpS40.7
PEG (NY)19.23
PEG (5Y)0.25
Graham Number102.442 (34.69%)
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
WACC13.64%
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)32.65%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%20.11%
EPS Next Y0.41%
EPS Next 2Y5.97%
EPS Next 3Y7.66%
EPS Next 5Y2.41%
Revenue 1Y (TTM)3%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%6.81%
Revenue Next Year-1.62%
Revenue Next 2Y1.69%
Revenue Next 3Y1.37%
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.


What is the profitability of SYF stock?

SYNCHRONY FINANCIAL (SYF) has a profitability rating of 4 / 10.


How financially healthy is SYNCHRONY FINANCIAL?

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


What is the earnings growth outlook for SYNCHRONY FINANCIAL?

The Earnings per Share (EPS) of SYNCHRONY FINANCIAL (SYF) is expected to grow by 0.41% in the next year.