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SYNCHRONY FINANCIAL (SYF) Stock Fundamental Analysis

USA - NYSE:SYF - US87165B1035 - Common Stock

73.21 USD
-1.51 (-2.02%)
Last: 10/29/2025, 8:04:00 PM
73.04 USD
-0.17 (-0.23%)
After Hours: 10/29/2025, 8:04:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SYF. SYF was compared to 55 industry peers in the Consumer Finance industry. The financial health of SYF is average, but there are quite some concerns on its profitability. SYF is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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.
SYF had positive earnings in each of the past 5 years.
SYF had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

With a Return On Assets value of 2.66%, SYF perfoms like the industry average, outperforming 58.18% of the companies in the same industry.
With a decent Return On Equity value of 18.89%, SYF is doing good in the industry, outperforming 74.55% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 17.13%, SYF is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
In the last couple of years the Profit Margin of SYF has declined.
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) 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.
SYF has less shares outstanding than it did 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

SYF has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
SYF's Debt to FCF ratio of 1.62 is amongst the best of the industry. SYF outperforms 89.09% of its industry peers.
A Debt/Equity ratio of 0.94 indicates that SYF is somewhat dependend on debt financing.
SYF has a better Debt to Equity ratio (0.94) than 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC16.91%
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 19.58%, which is quite good.
The Earnings Per Share has been growing by 14.76% on average over the past years. This is quite good.
SYF shows a decrease in Revenue. In the last year, the revenue decreased by -2.74%.
The Revenue has been growing slightly by 2.61% on average over the past years.
EPS 1Y (TTM)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.41%

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 Y7.63%
EPS Next 2Y4.01%
EPS Next 3Y6.29%
EPS Next 5Y-3.9%
Revenue Next Year1.29%
Revenue Next 2Y3.01%
Revenue Next 3Y2.91%
Revenue Next 5Y-0.35%

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 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 10

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.99, 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 67.27% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SYF to the average of the S&P500 Index (26.76), we can say SYF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.92, the valuation of SYF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SYF indicates a somewhat cheap valuation: SYF is cheaper than 67.27% of the companies listed 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 RankSector Rank
PE 7.99
Fwd PE 7.92
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

Based on the Price/Free Cash Flow ratio, SYF is valued a bit cheaper than the industry average as 74.55% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.67
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

SYF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.05
PEG (5Y)0.54
EPS Next 2Y4.01%
EPS Next 3Y6.29%

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5

5. Dividend

5.1 Amount

SYF has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.
SYF's Dividend Yield is comparable with the industry average which is at 4.69.
Compared to the average S&P500 Dividend Yield of 2.31, SYF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.64%

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 0.2 0.4 0.6 0.8

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 2Y4.01%
EPS Next 3Y6.29%
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 (10/29/2025, 8:04:00 PM)

After market: 73.04 -0.17 (-0.23%)

73.21

-1.51 (-2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-15 2025-10-15/bmo
Earnings (Next)01-26 2026-01-26/amc
Inst Owners104.86%
Inst Owner Change0.61%
Ins Owners0.28%
Ins Owner Change-0.44%
Market Cap26.36B
Revenue(TTM)18.82B
Net Income(TTM)3.20B
Analysts78.52
Price Target83.11 (13.52%)
Short Float %4.83%
Short Ratio5.33
Dividend
Industry RankSector Rank
Dividend Yield 1.64%
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)-1.17%
Min Revenue beat(2)-2.98%
Max Revenue beat(2)0.65%
Revenue beat(4)3
Avg Revenue beat(4)0.03%
Min Revenue beat(4)-2.98%
Max Revenue beat(4)1.63%
Revenue beat(8)3
Avg Revenue beat(8)-0.66%
Revenue beat(12)5
Avg Revenue beat(12)-0.25%
Revenue beat(16)9
Avg Revenue beat(16)1.24%
PT rev (1m)0.65%
PT rev (3m)11.13%
EPS NQ rev (1m)1.5%
EPS NQ rev (3m)3.06%
EPS NY rev (1m)5.11%
EPS NY rev (3m)17.65%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)1.02%
Revenue NY rev (3m)-2.35%
Valuation
Industry RankSector Rank
PE 7.99
Fwd PE 7.92
P/S 1.41
P/FCF 2.67
P/OCF 2.67
P/B 1.56
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)9.16
EY12.51%
EPS(NY)9.24
Fwd EY12.62%
FCF(TTM)27.43
FCFY37.46%
OCF(TTM)27.43
OCFY37.46%
SpS51.93
BVpS47.08
TBVpS41.14
PEG (NY)1.05
PEG (5Y)0.54
Graham Number98.5
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
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-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
WACC16.91%
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)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
EPS Next Y7.63%
EPS Next 2Y4.01%
EPS Next 3Y6.29%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%2.41%
Revenue Next Year1.29%
Revenue Next 2Y3.01%
Revenue Next 3Y2.91%
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 FAQ

What is the fundamental rating for SYF stock?

ChartMill assigns a fundamental rating of 4 / 10 to SYF.


What is the valuation status of SYNCHRONY FINANCIAL (SYF) stock?

ChartMill assigns a valuation rating of 6 / 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 3 / 10.


Can you provide the PE and PB ratios for SYF stock?

The Price/Earnings (PE) ratio for SYNCHRONY FINANCIAL (SYF) is 7.99 and the Price/Book (PB) ratio is 1.56.


Can you provide the financial health for SYF stock?

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