SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:SYF • US87165B1035

72.93 USD
-0.97 (-1.31%)
At close: Feb 11, 2026
72.93 USD
0 (0%)
After Hours: 2/11/2026, 5:33:21 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SYF. SYF was compared to 54 industry peers in the Consumer Finance industry. SYF has only an average score on both its financial health and profitability. SYF has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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.
  • Each year in the past 5 years SYF has been profitable.
  • SYF had a positive operating cash flow in 4 of the past 5 years.
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 of 2.99%. This is comparable to the rest of the industry: SYF outperforms 57.41% of its industry peers.
  • SYF has a Return On Equity of 20.46%. This is in the better half of the industry: SYF outperforms 72.22% of its industry peers.
Industry RankSector Rank
ROA 2.99%
ROE 20.46%
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 Profit Margin of 18.56%. This is in the better half of the industry: SYF outperforms 68.52% of its industry peers.
  • In the last couple of years the Profit Margin of SYF has grown nicely.
  • 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) 18.56%
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. 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.
  • 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 1.48, which is an excellent value as it means it would take SYF, only 1.48 years of fcf income to pay off all of its debts.
  • SYF has a better Debt to FCF ratio (1.48) than 88.89% of its industry peers.
  • A Debt/Equity ratio of 0.85 indicates that SYF is somewhat dependend on debt financing.
  • SYF has a Debt to Equity ratio of 0.85. This is in the better half of the industry: SYF outperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC14.32%
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. 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.
  • SYF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.31% yearly.
  • Looking at the last year, SYF shows a decrease in Revenue. The Revenue has decreased by -2.80% in the last year.
  • The Revenue has been growing slightly by 5.10% on average over the past years.
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.
  • SYF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.04% yearly.
EPS Next Y-0.58%
EPS Next 2Y5.46%
EPS Next 3Y7.32%
EPS Next 5Y-6.83%
Revenue Next Year-2.44%
Revenue Next 2Y1.22%
Revenue Next 3Y1.72%
Revenue Next 5Y-3.04%

3.3 Evolution

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

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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 7.85.
  • Based on the Price/Earnings ratio, SYF is valued a bit cheaper than 61.11% of the companies in the same industry.
  • SYF is valuated cheaply when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 7.90 indicates a rather cheap valuation of SYF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SYF indicates a somewhat cheap valuation: SYF is cheaper than 66.67% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. SYF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.85
Fwd PE 7.9
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

  • 72.22% of the companies in the same industry are more expensive than SYF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.69
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)0.25
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

  • With a Yearly Dividend Yield of 1.62%, SYF has a reasonable but not impressive dividend return.
  • SYF's Dividend Yield is a higher than the industry average which is at 2.75.
  • SYF's Dividend Yield is comparable with the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • The dividend of SYF is nicely growing with an annual growth rate of 6.31%!
  • 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)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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 14.35% of the earnings are spent on dividend by SYF. This is a low number and sustainable payout ratio.
DP14.35%
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

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SYNCHRONY FINANCIAL

NYSE:SYF (2/11/2026, 5:33:21 PM)

After market: 72.93 0 (0%)

72.93

-0.97 (-1.31%)

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-2.18%
Ins Owners0.28%
Ins Owner Change11.78%
Market Cap26.27B
Revenue(TTM)18.99B
Net Income(TTM)3.49B
Analysts77.04
Price Target93.5 (28.21%)
Short Float %5.02%
Short Ratio4.49
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend1.18
Dividend Growth(5Y)6.31%
DP14.35%
Div Incr Years3
Div Non Decr Years8
Ex-Date02-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.51%
Min EPS beat(2)27.28%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)19.72%
Min EPS beat(4)-2.01%
Max EPS beat(4)41.74%
EPS beat(8)7
Avg EPS beat(8)29.91%
EPS beat(12)10
Avg EPS beat(12)20.91%
EPS beat(16)13
Avg EPS beat(16)17.52%
Revenue beat(2)1
Avg Revenue beat(2)0.12%
Min Revenue beat(2)-0.4%
Max Revenue beat(2)0.65%
Revenue beat(4)2
Avg Revenue beat(4)-0.47%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)0.83%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.37%
Revenue beat(16)8
Avg Revenue beat(16)0.97%
PT rev (1m)5.58%
PT rev (3m)9.9%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)-1.27%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)-1.52%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)-3.75%
Revenue NY rev (3m)-4.95%
Valuation
Industry RankSector Rank
PE 7.85
Fwd PE 7.9
P/S 1.4
P/FCF 2.69
P/OCF 2.69
P/B 1.54
P/tB 1.77
EV/EBITDA N/A
EPS(TTM)9.29
EY12.74%
EPS(NY)9.24
Fwd EY12.66%
FCF(TTM)27.07
FCFY37.12%
OCF(TTM)27.07
OCFY37.12%
SpS52.25
BVpS47.38
TBVpS41.32
PEG (NY)N/A
PEG (5Y)0.25
Graham Number99.52
Profitability
Industry RankSector Rank
ROA 2.99%
ROE 20.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.56%
GM N/A
FCFM 51.81%
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 0.85
Debt/FCF 1.48
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 279.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.32%
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)N/A
Profit Quality(5y)N/A
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-2.44%
Revenue Next 2Y1.22%
Revenue Next 3Y1.72%
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 1Y-0.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.63%
OCF growth 3YN/A
OCF growth 5YN/A

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 14.35%.