SYNCHRONY FINANCIAL (SYF) Valuation
Historical valuation analysis based on 1279 data points (2021-09-14 to 2026-10-16)
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 6.81 (historical range: 3.60–9.47, median: 6.71), placing it at the 53th percentile — near its historical average, P/S ratio of 1.25 (range: 0.70–2.14, 53th percentile — near its historical average), EV/EBITDA of 5.23 (range: 3.23–7.62, 58th percentile).
Over the historical period (2021-09-14 to 2026-10-16), SYNCHRONY FINANCIAL's P/E ratio has expanded by 34% over the observed period (from an average of 5.6 to 7.5).
SYNCHRONY FINANCIAL trades near its historical valuation range, with most metrics close to their median levels.
Historical Valuation Metrics
| Metric | Current | Median | %ile | Assessment |
|---|---|---|---|---|
| P/E Ratio | 6.81 | 6.71 | 53th | near its historical average |
| P/S Ratio | 1.25 | 1.18 | 53th | near its historical average |
| EV/EBITDA | 5.23 | 5.03 | 58th | near its historical average |
SYNCHRONY FINANCIAL (SYF) Valuation & P/E History
SYNCHRONY FINANCIAL (SYF) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry currently trading at $73.73 with a market capitalization of $24.0 billion. This page provides historical valuation analysis for SYF based on 1279 data points covering 2021-09-14 to 2026-10-16. The P/E ratio of 6.81 is above the historical median of 6.71, placing SYF at the 53th percentile of its valuation range. The P/S ratio of 1.25 compares to a median of 1.18.
SYF Valuation Metrics & Historical Range
The valuation table above shows SYNCHRONY FINANCIAL's current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether SYF is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests SYF is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for SYNCHRONY FINANCIAL.
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is SYF Overvalued or Undervalued?
SYNCHRONY FINANCIAL trades near its historical valuation range, with most metrics close to their median levels. The overall valuation percentile of 55 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive SYF is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full SYF analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.SYF trades on NYSE. This page is for informational purposes only and is not financial advice.