Financials · Consumer Finance · US stock · price as of 22 Oct 2026
Key indicators
Price
$75.09
52-week range
$63.08 – $88.77
Market cap
$25.1B
P/E (trailing)
7.6×
Dividend yield
1.7%
Revenue (last 12 months)
–
Revenue growth (3y a year)
–
Price / book
1.5×
Return on equity
20.8%
Fair value
Fair value (average of valid models)$74.22 middle half of models $65 – $80
Versus priceFair−1% to fair value
P/E multiple
$73.76
P/B multiple
$67.66
Dividend discount, stable
$58.38
Dividend discount, multi-stage
$97.09
Model uncertainty
Medium
X-Ray Score
61/ 100 · Low confidence · ahead of 83% of sector peers
Valuation53
Growth59
Profitability75
Financial health73
Dividends25
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%. Return on invested capital describes how much profit the business earns relative to the money put into it.
StocksXray gives Synchrony Financial an X-Ray Score of 61 out of 100 (low confidence), ahead of 83% of the S&P 500 stocks in its sector. Its strongest lens is profitability (75) and its weakest is dividends (25).
Our fair value (the average of the valid models) is $74.22 (range $65.34 to $79.59). At $75.09 the stock trades 1% above that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Synchrony Financial (SYF)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$41.70
$30.27
$36.25
$63.08
$82.40
$75.09
Market cap
$23.7B
$14.6B
$15.4B
$25.3B
$30.8B
$25.1B
P/E
5.7×
4.9×
7.0×
7.4×
8.9×
7.6×
Price / book
1.7×
1.1×
1.1×
1.5×
1.8×
1.5×
Dividend yield
2.11%
2.97%
2.65%
1.59%
1.40%
1.65%
Fundamentals checklist ● 0 Good · ● 2 Average · ● 1 Bad · each check graded against the sector
Growth
EPS growth (3y)14.7%Average
Valuation
Fair value vs price1.0×Bad
Profitability
Return on invested capital20.5%Average
XStocksXray
Synchrony Financial (SYF)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
–
–
–
–
–
–
Net income
4,221
3,016
2,238
3,499
3,552
3,518
Diluted EPS ($)
7.34
6.15
5.19
8.55
9.28
9.88
Net margin
–
–
–
–
–
–
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
95,748
104,564
117,479
119,463
119,095
121,930
Cash
8,337
10,294
14,259
14,711
14,973
16,193
Total debt
14,507
14,191
15,982
15,462
15,182
16,432
Equity
13,655
12,873
13,903
16,580
16,766
16,897
Dividend per share ($)
0.88
0.90
0.96
1.00
1.15
–
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
