SYF Fundamental Analysis - SYNCHRONY FINANCIAL

Fundamental Rating

Taking everything into account, SYF scores 4 out of 10 in our fundamental rating. SYF was compared to 53 industry peers in the Consumer Finance industry. While SYF seems to be doing ok healthwise, there are quite some concerns on its profitability. SYF has a valuation in line with the averages, but it does not seem to be growing.

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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.

1.2 Ratios

SYF has a Return On Assets (2.66%) which is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 18.89%, SYF is in the better half of the industry, outperforming 77.36% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of SYF (17.13%) is better than 75.47% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SYF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for SYF has been reduced compared to 1 year ago.

SYF has less shares outstanding than it did 5 years ago.

SYF has a better debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 1.62, SYF belongs to the top of the industry, outperforming 84.91% of the companies in the same industry.

A Debt/Equity ratio of 0.94 indicates that 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 Rank	Sector Rank
Debt/Equity	0.94
Debt/FCF	1.62
Altman-Z	N/A

ROIC/WACCN/A

WACC15.1%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.44% over the past year.

SYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.76% yearly.

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

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 Y2.2%

EPS Next 2Y3.96%

EPS Next 3Y6.88%

EPS Next 5Y-3.9%

Revenue Next Year-0.22%

Revenue Next 2Y1.62%

Revenue Next 3Y-0.62%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SYF is valuated reasonably with a Price/Earnings ratio of 8.98.

SYF's Price/Earnings ratio is a bit cheaper when compared to the industry. SYF is cheaper than 69.81% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.03, SYF is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.02, the valuation of SYF can be described as very reasonable.

Based on the Price/Forward Earnings ratio, SYF is valued a bit cheaper than 67.92% of the companies in the same industry.

SYF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.98
Fwd PE	8.02

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SYF is valued a bit cheaper than 77.36% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.79
EV/EBITDA	N/A

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)4.08

PEG (5Y)0.61

EPS Next 2Y3.96%

EPS Next 3Y6.88%

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5. Dividend

5.1 Amount

SYF has a Yearly Dividend Yield of 1.68%. Purely for dividend investing, there may be better candidates out there.

SYF's Dividend Yield is a higher than the industry average which is at 4.24.

SYF's Dividend Yield is slightly below the S&P500 average, which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	1.68%

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

5.3 Sustainability

15.33% of the earnings are spent on dividend by SYF. This is a low number and sustainable payout ratio.

DP15.33%

EPS Next 2Y3.96%

EPS Next 3Y6.88%

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SYNCHRONY FINANCIAL

NYSE:SYF (8/25/2025, 7:00:00 PM)

After market: 74 0 (0%)

+0.8 (+1.09%)

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 Owners104.79%

Inst Owner Change1.08%

Ins Owners0.29%

Ins Owner Change-7.91%

Market Cap27.53B

Analysts79.23

Price Target81.7 (10.41%)

Short Float %3.32%

Short Ratio3.52

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.68%

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)9.25%

PT rev (3m)28.9%

EPS NQ rev (1m)1.05%

EPS NQ rev (3m)-5.07%

EPS NY rev (1m)11.71%

EPS NY rev (3m)11.82%

Revenue NQ rev (1m)0.89%

Revenue NQ rev (3m)-1.78%

Revenue NY rev (1m)-3.81%

Revenue NY rev (3m)-3.11%

Valuation

		Industry Rank	Sector Rank
PE	8.98
Fwd PE	8.02
P/S	1.47
P/FCF	2.79
P/OCF	2.79
P/B	1.62
P/tB	1.86
EV/EBITDA	N/A

EPS(TTM)8.24

EY11.14%

EPS(NY)9.23

Fwd EY12.47%

FCF(TTM)26.54

FCFY35.87%

OCF(TTM)26.54

OCFY35.87%

SpS50.26

BVpS45.56

TBVpS39.82

PEG (NY)4.08

PEG (5Y)0.61

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC15.1%

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 Y2.2%

EPS Next 2Y3.96%

EPS Next 3Y6.88%

EPS Next 5Y-3.9%

Revenue 1Y (TTM)-1.97%

Revenue growth 3Y9.89%

Revenue growth 5Y2.61%

Sales Q2Q%2.63%

Revenue Next Year-0.22%

Revenue Next 2Y1.62%

Revenue Next 3Y-0.62%

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%

SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens