Synchrony Financial (SYF)
Financials · Consumer Finance · US stock · S&P 500 component
$73.64
▼ -1.45 (1.93%)
Fair valueFair
$74 −1.2% to fair value
$37fair band $63–$90$111
Day's range
$73.10 – $74.37
52-week range
$63.08 – $88.77
About Synchrony Financial
Synchrony Financial is a consumer financial services company that provides private label and co-branded credit cards, along with installment loans and savings products. It partners with retailers, healthcare providers and online platforms to offer financing at the point of sale. It earns money mainly from interest and fees on loans, so its results depend on credit performance and borrowing costs.
Return on invested capital is 21%. It pays a dividend with a yield of 1.7%. The X-Ray Score is 61 out of 100. Return on invested capital describes how much profit the business earns relative to the money put into it. The X-Ray Score is a summary rating of the company's financial profile, expressed out of 100.
Price chart
52-wk range $63.08 – $88.77Volume 3,787,632Daily, split-adjusted
Vitals
Market cap$24.6B
52-week range$63.08 – $88.77
Volume (last day)3,787,632
P/E (TTM)7.5
EBIT / EV yield18.2%
Free-cash-flow yield–
Dividend yield1.7%
Revenue (TTM)–
Net income (TTM)$3.5B
Operating margin–
Return on capital20.5%
Debt incl. leases$16.4B
Cash & securities$16.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$74middle half of models $65 – $80
Fair
−1.2% to fair value
Average of the 4 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $74
Undervalued < $63Fair $63 – $90Overvalued > $90
P/E multiple
$74
P/B multiple
$68
Dividend discount, stable
$58
Dividend discount, multi-stage
$97
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Strong business at a fair price
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Fair
53/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield18.2%
Fair value vs price1.0×
Growth
Fair
59/100
Growing at a typical pace for its sector.
See the numbers →
EPS growth (3y)14.7%
Profitability
Strong
75/100
Earns high returns on the capital it uses.
See the numbers →
Return on invested capital20.5%
Financial health
Strong
73/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Net debt / EBITDA0.0×
Interest coverNo interest cost
Dividends
Weak
25/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.7%
Dividend growth-0.5%
Quarterly results: last 6 quarters
–
Mar '25
–
Jun '25
–
Sep '25
–
Dec '25
–
Mar '26
–
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue –, diluted EPS $2.59.
Compare with peers
COF Capital One Financial...63 AXP American Express Co55Other Consumer Finance companies by X-Ray Score.
SWOT analysis: Synchrony Financial
Strengthsinside the company
- Return on invested capital is 20.5%, against a median of 13.4% for sector peers.
- Earnings per share have compounded at 14.7% a year over three years.
- Net debt is only 0.0x EBITDA.
- Operating profit covers interest 50x, so debt costs are a small drag.
Weaknessesinside the company
- No clear weakness in the figures we track.
Opportunitiesvaluation and setting
- Trades at 7.1x earnings, 49% below the 13.9x median of sector peers.
- Our Market Compass rates the backdrop for Financials as favourable.
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare SYF with peers and sector
Medians of 70 Financials peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): JPM 49, MA 57, BAC 48, MS 34, GS 49, WFC 38.
| Metric | SYF | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 61 | 50 | 50 |
| Valuation | 53 | 52 | 52 |
| Growth | 59 | 54 | 54 |
| Profitability | 75 | 48 | 48 |
| Financial health | 73 | 50 | 50 |
| Dividends | 25 | 54 | 54 |
Sector leaders: highest X-Ray Score in Financials
SYF ranks #12 of 71 in Financials by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for SYF
Each factor is rated by where SYF stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 3 Good · 1 Average · 0 Bad of 4
Growth: 0 · 1 · 0
Profitability: 1 · 0 · 0
Valuation: 2 · 0 · 0
| Factor | SYF | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| EPS growth, 3 years a year | +14.7% | Average beats 59% | +12.7% | – | – |
| Profitability | |||||
| Return on equity | 20.8% | Good beats 72% | 15.7% | 21.2% | ≈ In line |
| Valuation | |||||
| P/E ratio | 7.1x | Good beats 95% | 13.8x | 7.2x | ≈ In line |
| Price / book | 1.5x | Good beats 68% | 2.2x | 1.6x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 4 Good · ● 2 Average · ● 1 BadCash quality
Earnings backed by cashGood
Risk models
Growth
EPS growth (3y)Average
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceBad
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 68/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | – | – | – | – | – |
| Operating income | $6.5B | $5.5B | $6.6B | $4.6B | $4.6B |
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Operating cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Operating margin | – | – | – | – | – |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
5 bullish · 4 neutral · 7 bearish
Weekly
Neutral
5 bullish · 1 neutral · 6 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 73.71 | Bearish |
| EMA 10 | 73.72 | Bearish |
| SMA 20 | 72.85 | Bullish |
| EMA 20 | 73.61 | Bullish |
| SMA 50 | 75.44 | Bearish |
| EMA 50 | 74.36 | Bearish |
| SMA 100 | 75.05 | Bearish |
| EMA 100 | 74.49 | Bearish |
| SMA 200 | 73.40 | Bullish |
| EMA 200 | 73.52 | Bullish |
Oscillators (daily)
| RSI (14) | 49.37 | Neutral |
| MACD (12, 26) | -0.12 | Bearish |
| Momentum (12) | 2.38 | Bullish |
| Stochastic %K (14) | 55.89 | Neutral |
| Williams %R (14) | -44.11 | Neutral |
| CCI (20) | 62.39 | Neutral |
Pivot points (classic, last session)
S3 71.77 | S2 72.43 | S1 73.04 | Pivot 73.70 | R1 74.31 | R2 74.97 | R3 75.58 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.24 USD
Yield on today's price
1.68%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.3400 | |
| 0.3000 | |
| 0.3000 | |
| 0.3000 | |
| 0.3000 | |
| 0.3000 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 | |
| 0.2500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold SYF
| ETF | Share of the fund |
|---|---|
| RDVY First Trust Rising Dividend Achievers | 1.83% |
| RDVI FT Cboe Vest Rising Dividend Achievers... | 1.83% |
| SDVY First Trust SMID Cap Rising Dividend A... | 0.85% |
| SPHB Invesco S&P 500 High Beta | 0.77% |
| WTV WisdomTree U.S. Quality Shareholder Yi... | 0.67% |
| AVLV Avantis U.S. Large Cap Value | 0.47% |
| VOE Vanguard Mid-Cap Value | 0.44% |
| XLF Financial Select Sector SPDR | 0.34% |
The eight funds with the largest weight in SYF among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
SYF SEC filings
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Other events
424B5SEC EDGAR
424B5
424B5SEC EDGAR
424B5
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.