Synchrony Financial (SYF)
Financials · $24.4B market cap · SEC CIK 0001601712
$72.67
▼-3.11% on the day
close of Sep 22, 2026
53
Mixed
fundamentals score out of 100
fundamentals score out of 100
Next reports on Oct 13, 2026, before the open, with analysts expecting $2.40 in earnings per share.
The case for SYF
- Revenue up 20.5% on the year.
- Cheap on earnings at 6.9×, well under the market's usual 20×.
- Pays a 3.4% dividend while you wait.
- A PEG of 0.38: a P/E of 6.9× is low for EPS growing 18%.
- Return on equity of 21%.
- Price/sales of 0.7× is lower than 99% of Financials companies.
The case against
- Growth is weak (32/100): revenue +20.5%, EPS +18.3%, +0.9% a year over five years.
- Weakest against its peers: net margin of 14% is thinner than 71% of Financials companies.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 90 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 32 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 51 |
| Momentumhow the price has behaved lately | 43 |
| Stabilityhow violently it moves, what it owes and what it pays you | 46 |
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 6.9× |
|---|---|
| Price / book | 1.51× |
| Price / sales | 0.7× |
| Revenue growth (YoY) | +20.5% |
| EPS growth (YoY) | +18.3% |
| Gross margin | — |
| Operating margin | 18% |
| Net margin | 14% |
| Return on equity | 21% |
| Debt / equity | 0.97× |
| Current ratio | n/a |
| Dividend yield | 3.35% |
| Beta | 1.42 |
| 52-week range | $63.08 – $88.77 |
| Position in that range | 37% of the way up |
| 3-month return | -0.3% |
| 1-year return | -2.1% |
Five years of financials, as filed
Pulled from Synchrony Financial's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Net income | $3.6B | $3.5B | $2.2B | $3.0B | $4.2B |
| Operating cash flow | $9.9B | $9.8B | $8.6B | $6.7B | $7.1B |
| Total assets | $119B | $119B | $117B | $105B | $95.7B |
| Total liabilities | $102B | $103B | $104B | $91.7B | $82.1B |
| Shareholder equity | $16.8B | $16.6B | $13.9B | $12.9B | $13.7B |
| Cash | $15.0B | $14.7B | $14.3B | $10.3B | $8.3B |
| Long-term debt | $15.2B | $15.5B | $16.0B | $14.2B | $14.5B |
| Net margin | — | — | — | — | — |
| Diluted shares | 374M | 401M | 424M | 483M | 569M |
Share count is down 34.3% over 4 years. Buybacks have been shrinking the pie.