SYNCHRONY FINANCIAL (SYF) Valuation
Historical valuation analysis based on 500 data points (2024-08-30 to 2026-08-28)
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 p...
SYNCHRONY FINANCIAL (SYF) currently trades at a P/E ratio of 7.89 (historical range: 5.92–9.47, median: 7.84), placing it at the 53th percentile — near its historical average, P/S ratio of 1.48 (range: 1.33–1.50, 76th percentile — above its historical average), EV/EBITDA of 23.19 (range: 4.83–23.49, 99th percentile).
SYNCHRONY FINANCIAL appears overvalued relative to its own historical valuation range, trading at elevated multiples across most metrics.
Historical Valuation Metrics
| Metric | Current | Min | Median | Max | Percentile | Assessment |
|---|---|---|---|---|---|---|
| P/E Ratio | 7.89 | 5.92 | 7.84 | 9.47 | 53th | near its historical average |
| P/S Ratio | 1.48 | 1.33 | 1.46 | 1.50 | 76th | above its historical average |
| EV/EBITDA | 23.19 | 4.83 | 7.87 | 23.49 | 99th | expensive relative to its history |