Synchrony Financial (SYF)

NYSE: SYF · USD

$75.5

+0.51 (+0.7%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-10-07

Our latest published analysis: SYF rated Strong Buy

Synchrony Financial's published Strong Buy conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$96.5 / share

Potential value

$136 / share

Upside to FV

+33.7%

from $75.5

Moat

6.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$23.5B
Revenue (ttm)	9.8B
Net income (ttm)	3.2B
EPS (ttm)	$9.54
Shares out	311.4M
P/E (trailing)	7.9x
P/E (forward)	6.7x
Dividend	$1.36 (1.80%)
Volume	2,329,874
Beta	1.34

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 9.8B
Net income (ttm): 3.2B
EPS (ttm): $9.54
P/E (trailing): 7.9x
P/E (forward): 6.7x
Market cap: $23.5B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$11.22B	$13.20B	$17.34B	$20.76B	$19.12B	+14.2%
Gross profit	$9.47B	$8.30B	$7.66B	$9.39B	$9.76B	+0.8%
Operating income	$5.50B	$3.96B	$2.90B	$4.55B	$4.62B	-4.3%
Net income	$4.22B	$3.02B	$2.24B	$3.50B	$3.55B	-4.2%
EPS (diluted)	$7.34	$6.15	$5.19	$8.55	$9.28	+6.0%
EBITDA	$5.89B	$4.38B	$3.36B	$5.03B	$5.14B	-3.4%
R&D	$0	$0	$0	—	—	-41.1%
SG&A	$1.50B	$1.68B	$1.88B	$1.83B	$2.09B	+8.7%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	买入
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	强力买入
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	买入

Base and Bull scenarios

Base50%

Price target

$96.50

+33.7% from spot

The base case projects loan balances to track steady consumer spending while contractual loss sharing keeps operating profitability stable through FY2027. Confirmation requires steady delinquency rates across quarterly reports, whereas an acceleration in cardholder defaults would disconfirm this path.

Retail partner loan balances expand in line with consensus projections through FY2027.
Contractual loss sharing buffers credit provision volatility.
Surplus operating cash flow funds regular share retirement.

Bull25%

Price target

$136.44

+89.1% from spot

The bull case assumes consumer credit delinquencies peak early, enabling credit reserve releases and operating margin expansion toward Potential value $136.44. Accelerated buybacks compound per-share growth, though higher cardholder default rates would invalidate this trajectory.

Credit loss provisions moderate as loan performance improves across partner programs.
Capital distributions accelerate through higher share repurchase volumes.
Consumer promotional loan origination exceeds consensus expectations.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($96.50). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.3%	2.5%	2.8%	3.0%
9.3%	$103	$105	$107	$109	$111
9.8%	$97.9	$99.5	$101	$103	$105
10.3%	$93.7	$95.0	$96.5	$98.1	$99.7
10.8%	$89.8	$91.0	$92.3	$93.7	$95.1
11.3%	$86.4	$87.5	$88.6	$89.8	$91.0

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E6.7

P25 n/aP50 n/aP75 n/a

Trailing P/E7.4

P25 n/aP50 n/aP75 n/a

ROE19.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SYF indicators

Market & fundamental data

Available fields

224

Groups with data

Currency

USD

Showing 224 of 224 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001601712
Company name	Synchrony Financial
Country	United States
Country code	US
CUSIP number	87165B103
Earnings date	2026-10-20
Earnings time	bmo
Employees	20,000
Employees change	0
Employees growth	0%
Enterprise value	$24.6B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1932
In index	SP500
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US87165B1035
Last 10-K release date	2026-02-06
Last earnings date	2026-10-20
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$23.5B
Market cap category	Large-Cap
Next earnings date	2027-01-26
Options	Yes
Price	$75.48
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	SYF
U.S. state	Connecticut
Website	https://www.synchrony.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	7.77x
Average P/E ratio (10Y)	7.96x
Average P/E ratio (3Y)	7.17x
Average P/E ratio (5Y)	6.29x
Earnings yield	12.64%
EV/Earnings	7.55x
EV/Sales	2.5x
Forward EV/Sales	1.55x
Forward P/E	7.53x
Forward P/S	1.48x
Graham number	101.18815
Graham upside	34.95%
Industry forward P/E	19.55x
Industry P/E	22.96x
Lynch fair value	$47.70
Lynch upside	-36.38%
P/B ratio	1.57x
P/E ratio	7.91x
P/OCF ratio	2.44x
P/S ratio	2.39x
PEG ratio	0.89x
Price / tangible book value	1.93x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	23.66%
Operating margin	47.99%
Pretax margin	44.63%
Profit margin	34.07%
Profit per employee	$162,100
Profitable quarters	54
Profitable years	15
Revenue per employee	$489,150
ROA	2.78%
ROA (5Y)	3.07%
ROE	19.83%
ROE (5Y)	23.15%
Tax / revenue	10.56%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	4.84%
EPS growth (Q)	-6.29%
EPS growth (QoQ)	3.47%
EPS growth 10Y	13.62%
EPS growth 3Y	20.89%
EPS growth 5Y	6.18%
EPS growth years	2
Net income growth	-6.77%
Net income growth (Q)	-17.18%
Net income growth (QoQ)	0%
Net income growth 3Y	11.58%
Net income growth 5Y	-4.61%
Net income growth years	2
OCF growth	-2%
OCF growth (Q)	-5.27%
OCF growth (QoQ)	3.22%
OCF growth 10Y	3.65%
OCF growth 3Y	5.56%
OCF growth 5Y	5.88%
Revenue growth	1.43%
Revenue growth (Q)	-4.67%
Revenue growth (QoQ)	1.39%
Revenue growth 10Y	3.56%
Revenue growth 3Y	8.31%
Revenue growth 5Y	1.15%
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	$9.54
Financing cash flow	$1.7B
Gross profit	$9.8B
Income taxes	$1B
Investing cash flow	$-10.8B
Net borrowing	$2.6B
Net cash flow	$410M
Net income	$3.2B
Operating income	$4.7B
Revenue	$9.8B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$47.70
Debt / equity	1.03
Goodwill	$1.4B
Net cash (debt)	$-1.1B
Net cash / market cap	-4.81%
Net debt / equity	0.07
Piotroski F-Score	4
Property, plant and equipment	$30M
Shareholders' equity	$16.6B
Tangible book value	$12.1B
Tangible book value per share	$38.99
Total assets	$122.5B
Total cash	$15.9B
Total debt	$17B
Total liabilities	$105.9B
WACC	6.72%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-74.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	11.33%
Dividend growth	11.3%
Dividend growth (3Y)	10.06%
Dividend growth (5Y)	7.78%
Dividend growth years	4
Dividend payment date	2026-11-16
Dividend payment years	11
Dividend payout frequency	Quarterly
Dividend per share	$1.36
Dividend yield	1.8%
Ex-dividend date	2026-11-05
Last dividend	$0.34
Payout ratio	14.26%
Shareholder yield	13.14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	161.3%
10Y return CAGR	12.68%
10Y total return	230%
150-day SMA	$74.38
1D price change	0.68%
1M price change	3.67%
1M total return	3.67%
1W price change	2.04%
1W total return	2.04%
1Y price change	0.88%
1Y return CAGR	2.56%
1Y total return	2.56%
20-day SMA	$73.41
200-day SMA	$73.63
3M price change	0.41%
3M total return	0.85%
3Y price change	169.21%
3Y return CAGR	41.96%
3Y total return	186.15%
50-day SMA	$75.10
50-day SMA vs 200-day SMA	50over200
52-week high	$88.77
52-week high date	2026-01-09
52-week low	$63.08
52-week low date	2026-03-12
5Y price change	62%
5Y return CAGR	12.61%
5Y total return	81.05%
6M price change	-1.47%
6M total return	-0.65%
All-time high	$88.77
All-time high date	2026-01-09
All-time low	$12.15
All-time low date	2020-03-18
Average true range (ATR)	$1.87
Average volume	3.3M
Beta (1Y)	0.79
Beta (2Y)	1.46
Beta (5Y)	1.34
Change from 52-week high	-14.97%
Change from 52-week low	19.66%
Change from all-time high	-14.81%
Change from all-time low	522.39%
Change from open	0.05%
Day's gap	0.63%
Dollar volume	$175.9M
High price	$75.93
Low price	$74.48
Monthly RSI	57.84
Open price	$75.44
Position in 52-week range	68.97%
Premarket change	-1.41%
Premarket close	$74.97
Premarket price	$73.91
Previous close	$74.97
Price vs 150-day SMA	1.66%
Price vs 20-day SMA	3%
Price vs 200-day SMA	2.71%
Price vs 50-day SMA	0.69%
Relative volume	0.72
RSI	56.8
Sharpe ratio	0.11
Sharpe ratio (3Y)	1.04
Sharpe ratio (5Y)	0.34
Sortino ratio	0.31
Sortino ratio (3Y)	1.73
Sortino ratio (5Y)	0.65
Volume	2.3M
Weekly RSI	51.93
YTD price change	-9.36%
YTD total return	-8.23%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	309.1M
Float percentage	99.28%
Shares change (QoQ)	-3.5%
Shares change (YoY)	-11.33%
Shares held by insiders	0.46%
Shares held by institutions	112.44%
Shares outstanding	311.4M
Short % of float	5.64%
Short % of shares	5.6%
Short ratio	5.9 days

Deeper analysis on SYF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this SYF report

What is the latest published SYF stock rating?

Synchrony Financial is shown with Strong Buy in the latest published report, analyzed 2026-10-07. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full SYF analysis?

The full latest published report, analyzed 2026-10-07, lives at /stocks/SYF/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for SYF?

The latest published report analyzed 2026-10-07 gives SYF a fair value of USD 97 and a potential value of USD 136. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the SYF page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-10-07). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

Strong BuySYF · Fair value $96.5+33.7%

Read full analysis →

Synchrony Financial (SYF)

Our latest published analysis: SYF rated Strong Buy

Price

Financial snapshot

Fair-value bridge

Latest news · SYF

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All SYF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SYF

Frequently asked questions

评级历史

Category	Score	Reading
Valuation	8.5
Management	6.5
Balance Sheet	5.0
Profitability	7.5
Revenue Growth	4.5
Risk Assessment	6.0
Competitive Moat	6.5
Earnings Quality	7.5
Capital Efficiency	4.0