SYF Stock Analysis: Synchrony Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 26.459m USD | 12M Return: 10.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 252M
EPS Trend: 94.3%
Qual. Beats: 0
Rev. Trend: 83.4%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Synchrony Financial (NYSE: SYF) is a U.S. consumer financial services company that generates revenue primarily through interest and fees on credit products, including credit cards, commercial credit products, and consumer installment loans. The company specializes in private label credit cards and co-branded cards issued in partnership with retailers and manufacturers, a business model in which Synchrony underwrites and services the credit while the partner brand drives customer acquisition.
In addition to credit products, Synchrony offers a range of deposit products such as certificates of deposit, money market accounts, savings accounts, and IRAs, distributed through digital channels and third-party firms. The company also provides healthcare financing through its CareCredit brand and operates industry-specific payment solutions in apparel, specialty retail, outdoor, music, and luxury sectors with partners including American Eagle, Dicks Sporting Goods, Guitar Center, Pandora, and Polaris.
Founded in 1932 and headquartered in Stamford, Connecticut, Synchrony was spun off from General Electric in 2014 and is now a large-cap stock in the GICS Consumer Finance sub-industry. Its diversified partner base spans retail, health and wellness, home, auto, telecommunications, and digital industries, giving the company exposure to multiple consumer spending categories through both lending and deposit-gathering activities.
- Private label card volume grows with retail partner sales
- Net interest margin expands on higher rates and stable funding
- Consumer credit delinquencies rise pressuring provision expenses
| Net Income: 3.60b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.06 > 1.0 |
| NWC/Revenue: 137.2% < 20% (prev -301.4%; Δ 438.6% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.83b > Net Income 3.60b |
| Net Debt (-4.13b) to EBITDA (5.08b): -0.81 < 3 |
| Current Ratio: 1.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (346.0m) vs 12m ago -11.15% < -2% |
| Gross Margin: 61.08% > 18% (prev 44.41%; Δ 16.67% > 0.5%) |
| Asset Turnover: 16.36% > 50% (prev 16.06%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 1.13 > 6 (EBIT TTM 4.55b / Interest Expense TTM 4.02b) |
| A: 0.22 (Total Current Assets 110b - Total Current Liabilities 82.9b) / Total Assets 122b |
| B: 0.21 (Retained Earnings 25.2b / Total Assets 122b) |
| C: 0.04 (EBIT TTM 4.55b / Avg Total Assets 122b) |
| D: 0.16 (Book Value of Equity 16.5b / Total Liabilities 105b) |
| Altman-Z'' = 2.57 = A |
As of July 04, 2026, the stock is trading at USD 76.33 with a total of 2,464,800 shares traded. Over the past week, the price has changed by -2.79%, over one month by +11.07%, over three months by +10.66% and over the past year by +10.61%.
Current recommended Stop Loss: 73.40 (which is 3.8% or 1.4 ATR below the current price).
Synchrony Financial has received a consensus analysts rating of 4.05. Therefore, it is recommended to buy SYF.
- StrongBuy: 9
- Buy: 5
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 89.4 | 17.2% |
P/E Trailing = 8.1429
P/E Forward = 8.3682
P/S = 2.6748
P/B = 1.7344
P/EG = 1.0082
Revenue TTM = 19.9b USD
EBIT TTM = 4.55b USD
EBITDA TTM = 5.08b USD
Long Term Debt = 16.4b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 16.4b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.13b USD (calculated: Debt 16.4b - CCE 20.6b)
Enterprise Value = 22.3b USD (26.5b + Debt 16.4b - CCE 20.6b)
Interest Coverage Ratio = 1.13 (Ebit TTM 4.55b / Interest Expense TTM 4.02b)
EV/FCF = 2.27x (Enterprise Value 22.3b / FCF TTM 9.83b)
FCF Yield = 44.04% (FCF TTM 9.83b / Enterprise Value 22.3b)
FCF Margin = 49.38% (FCF TTM 9.83b / Revenue TTM 19.9b)
Net Margin = 18.08% (Net Income TTM 3.60b / Revenue TTM 19.9b)
Gross Margin = 61.08% ((Revenue TTM 19.9b - Cost of Revenue TTM 7.75b) / Revenue TTM)
Gross Margin QoQ = 82.72% (prev 49.33%)
Tobins Q-Ratio = 0.18 (Enterprise Value 22.3b / Total Assets 122b)
Interest Expense / Debt = 24.45% (Interest Expense 4.02b / Debt 16.4b)
Taxrate = 23.14% (1.08b / 4.68b)
NOPAT = 3.50b (EBIT 4.55b * (1 - 23.14%))
Current Ratio = 1.33 (Total Current Assets 110b / Total Current Liabilities 82.9b)
Debt / Equity = 1.00 (Debt 16.4b / totalStockholderEquity, last quarter 16.5b)
Debt / EBITDA = -0.81 (Net Debt -4.13b / EBITDA 5.08b)
Debt / FCF = -0.42 (Net Debt -4.13b / FCF TTM 9.83b)
Total Stockholder Equity = 16.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.96% (Net Income 3.60b / Total Assets 122b)
RoE = 21.41% (Net Income TTM 3.60b / Total Stockholder Equity 16.8b)
RoCE = 13.69% (EBIT 4.55b / Capital Employed (Equity 16.8b + L.T.Debt 16.4b))
RoIC = 9.30% (NOPAT 3.50b / Invested Capital 37.6b)
WACC = 14.18% (E(26.5b)/V(42.9b) * Re(11.32%) + D(16.4b)/V(42.9b) * Rd(24.45%) * (1-Tc(0.23)))
Discount Rate = 11.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -6.95%
[DCF] Terminal Value 57.90% ; FCFF base≈9.82b ; Y1≈9.89b ; Y5≈10.5b
[DCF] Fair Price = 256.8 (EV 82.3b - Net Debt -4.13b = Equity 86.4b / Shares 336.4m; r=14.18% [WACC]; 5y FCF grow 0.35% → 2.50% )
EPS Correlation: 94.33 | EPS CAGR: 29.93% | SUE: 0.36 | # QB: 0
Revenue Correlation: 83.43 | Revenue CAGR: 7.06% | SUE: 1.02 | # QB: 2
EPS current Quarter (2026-06-30): EPS=2.10 | Chg30d=-0.29% | Revisions=-53% | Analysts=16
EPS next Quarter (2026-09-30): EPS=2.60 | Chg30d=+0.44% | Revisions=+0% | Analysts=16
EPS current Year (2026-12-31): EPS=9.30 | Chg30d=+0.21% | Revisions=+47% | GrowthEPS=-1.4% | GrowthRev=+2.3%
EPS next Year (2027-12-31): EPS=10.57 | Chg30d=+0.81% | Revisions=+53% | GrowthEPS=+13.6% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +15% (up=29, down=21)