Stock Analysis
SYNCHRONY FINANCIALSYF
P/E 6.81×· 5Y range 3.60–9.47×· 53th percentile of history
Sector: Financial Services · Industry: Finance Services
AnalystsBuy28 analystsP/E 6.8× sits at the 53rd percentile of its 5.086926762491444-year history.
Cash covers 99% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Profitability80
- Quality60
Risks
- Growth24
- Financial Health26
Mixed picture — no clear quality or value edge.
Bull Case
- ✓ROE 21.0% — efficient capital deployment
What's happening with SYF
Profile
Strong profitability; growth, financial health and moat lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (53th pct)12/25
- FCF yield (n/a)10/25
- P/S (1.2x)25/25
- EV/EBIT (5.2x)25/25
- Growth24/100 · Weak
- Revenue CAGR (6.6%)12/25
- Net income CAGR (-4.2%)0/25
- EPS CAGR 5Y (5.8%)12/25
- Fwd implied growth (-4.8%)0/25
- Profitability80/100 · Strong
- ROIC (21.5%)20/25
- ROE (21.0%)20/25
- Net margin (18.3%)20/25
- Operating margin (24.0%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.74)3/25
- Current ratio (n/a)0/25
- Interest coverage (1.5x)3/25
- Net cash / debt (D/A 0%)20/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.76)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 7.8%)20/25
- Moat31/100 · Weak
- ROIC >12% years (6/10 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 9.4%)18/25
Risk Flags
- ⚠Altman Z 0.7 — distress-zone balance sheet
- ⚠Interest coverage 1.5× — thin debt cushion
About SYNCHRONY FINANCIAL
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Show more
Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Headquarters: STAMFORD, CT · Employees: 20,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
72B+P/E (TTM)6.8xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.6x–9.5x · 53rd pct
P/FCF2.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield40.2%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.25xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.7x–2.1x · 53rd pct
EV/EBIT5.2xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 3.2x–7.6x · 58th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E7.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.43xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.03B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.09%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio14.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
80AROIC21.5%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE21.0%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA2.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.3%A
Grade A: HighNet Income / Revenue
Operating Margin24.0%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
24ERevenue CAGR6.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-4.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)5.8%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-4.8%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.74D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.0xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.91xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.99xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.76A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability7.8%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Chytil Kamila K Filed | Chytil Kamila K | Grant / award | +846 | |
Richie Laurel Filed | Richie Laurel | Grant / award | +846 | |
COLAO DANIEL O Filed | COLAO DANIEL O | Grant / award | +846 | |
Parker P.W. Filed | Parker P.W. | Grant / award | +846 | |
Zane Ellen M Filed | Zane Ellen M | Grant / award | +846 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Alves Paget Leonard Filed | Alves Paget Leonard | Grant / award | +846 | |
AGUIRRE FERNANDO Filed | AGUIRRE FERNANDO | Grant / award | +846 | |
COVIELLO ARTHUR W JR Filed | COVIELLO ARTHUR W JR | Grant / award | +846 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
31DROIC >12% Years6/10 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor9.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$10.81
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$37.80
Cash & short-term investments per share (Finnhub)
Book Value / Share$51.99
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$15.18B
Total debt obligations (short + long term)
Cash & Equiv.$14.97B
Cash and short-term investments
Net Debt$209.00M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$16.77B
Shareholders' equity (book value)
Asset / Liability1.16xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$23.99B
Current Market Capitalization
Beta1.43C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: SYNCHRONY FINANCIAL (SYF)
Piotroski F-Score of 6/9 indicates mixed fundamentals for SYNCHRONY FINANCIAL. Altman Z-Score of 0.74 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.76 suggests a low likelihood of earnings manipulation. Interest coverage of 1.5× leaves little room for earnings shocks.
- At a valuation score of 72/100, SYF trades near the cheapest end of its own historical range (P/E 6.8).
- Return on equity of 21.0% is well above the market average.
- The stock currently yields 2.1% in dividends.
See how SYF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all SYF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 73.95 | +3.11% | 2.13 |
| Oct 15 | After-hours | 74.04 | +3.23% | 2.21 |
| Oct 14 | Regular | 71.40 | -2.98% | -2.07 |
| Oct 8 | Regular | 73.65 | +2.38% | 2.02 |
| Oct 8 | After-hours | 73.64 | +2.38% | 2.01 |
Frequently Asked Questions about SYF
What is the current SYNCHRONY FINANCIAL (SYF) stock price?
SYF is trading at $73.68 at the last market close, down 0.49% on the session. PreMarketPrice tracks SYF pre-market, intraday and after-hours prices.
Is SYF stock a buy right now?
PreMarketPrice's quantitative model rates SYNCHRONY FINANCIAL's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is SYF stock overvalued?
SYNCHRONY FINANCIAL trades at a trailing P/E of 6.8 and our valuation score rates it 72/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does SYNCHRONY FINANCIAL report earnings?
No confirmed earnings date is currently scheduled for SYF. The Earnings section lists recent reports and updates as dates are announced.
What sector does SYNCHRONY FINANCIAL operate in?
SYNCHRONY FINANCIAL operates in the Financial Services sector, within the Finance Services industry. The Related Stocks section lists sector peers for comparison.
What does SYNCHRONY FINANCIAL do?
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume.
About SYNCHRONY FINANCIAL (SYF) Stock
SYNCHRONY FINANCIAL (SYF) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry. As of the latest update, SYNCHRONY FINANCIAL is trading at $73.68, down 0.49% on the day with a market capitalization of $24.0 billion. The financial health score for SYF is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for SYF stock.
SYF Stock Analysis & Key Metrics
On PreMarketPrice, you can track SYNCHRONY FINANCIAL (SYF) across multiple dimensions:
- Pre-market price & movement: Real-time SYF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for SYF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for SYNCHRONY FINANCIAL across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SYF.
- Sector peers: Compare SYF against 6 other financial services stocks on key financial metrics.
Is SYF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate SYNCHRONY FINANCIAL (SYF) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.SYNCHRONY FINANCIAL (SYF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.