SYF Stock Analysis: Synchrony Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 23.267m USD | 12M Return: 3.8% | US87165B1035 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 208M
EPS Trend: 96.6%
Qual. Beats: 1
Rev. Trend: 63.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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.-based consumer financial services company headquartered in Stamford, Connecticut, with roots dating back to 1932. It provides a wide range of credit products-including private label credit cards, co-branded cards, and installment loans-distributed through partnerships with national and regional retailers, manufacturers, healthcare providers, and industry associations. The company also operates a deposit-taking business offering CDs, IRAs, money market accounts, and savings accounts through digital, print, and third-party channels. Notable brand partnerships include CareCredit and Walgreens in healthcare payments, as well as financing programs with retailers such as American Eagle, Dicks Sporting Goods, Guitar Center, Pandora, and Polaris across apparel, specialty retail, outdoor, music, and luxury categories. Synchrony went public in 2014 and is classified within the GICS Consumer Finance sub-industry.
As a major player in the consumer finance sector, Synchrony operates primarily as a private label credit card issuer rather than a traditional bank, relying heavily on partner-branded financing programs to generate loan receivables. Its business model is asset-intensive and sensitive to credit cycles, interest rate environments, and consumer spending trends, while its deposit-gathering arm provides a relatively low-cost funding base to support lending activities.
- Credit card outstandings expand on consumer spending growth
- Net charge-offs rise pressuring provision expenses
- Retail partner renewals drive purchase volume growth
| Net Income: 3.52b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -0.25 > 1.0 |
| NWC/Revenue: -351.8% < 20% (prev -308.4%; Δ -43.45% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.69b > Net Income 3.52b |
| Net Debt (239.0m) to EBITDA (5.17b): 0.05 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (334.1m) vs 12m ago -11.87% < -2% |
| Gross Margin: 52.26% > 18% (prev 47.28%; Δ 4.98% > 0.5%) |
| Asset Turnover: 15.64% > 50% (prev 16.12%; Δ -0.48% > 0%) |
| Interest Coverage Ratio: 1.17 > 6 (EBIT TTM 4.61b / Interest Expense TTM 3.93b) |
| A: -0.55 (Total Current Assets 16.2b - Total Current Liabilities 82.9b) / Total Assets 122b |
| B: 0.21 (Retained Earnings 26.0b / Total Assets 122b) |
| C: 0.04 (EBIT TTM 4.61b / Avg Total Assets 121b) |
| D: 0.16 (Book Value of Equity 16.9b / Total Liabilities 105b) |
| Altman-Z'' = -2.47 = D |
As of October 04, 2026, the stock is trading at USD 71.77 with a total of 2,584,141 shares traded. Over the past week, the price has changed by -1.60%, over one month by -8.44%, over three months by -5.57% and over the past year by +3.82%.
Current recommended Stop Loss: 69.10 (which is 3.7% or 1.4 ATR below the current price).
Synchrony Financial has received a consensus analysts rating of 4.22. Therefore, it is recommended to buy SYF.
- StrongBuy: 12
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 89.2 | 24.2% |
P/E Trailing = 7.2747
P/E Forward = 6.6667
P/S = 2.3483
P/B = 1.5147
P/EG = 0.8772
Revenue TTM = 19.0b USD
EBIT TTM = 4.61b USD
EBITDA TTM = 5.17b USD
Long Term Debt = 16.4b USD (from longTermDebt, last quarter)
Short Term Debt = 4.35b USD (from shortTermDebt, last quarter)
Debt = 16.4b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 239.0m USD (calculated: Debt 16.4b - CCE 16.2b)
Enterprise Value = 23.5b USD (23.3b + Debt 16.4b - CCE 16.2b)
Interest Coverage Ratio = 1.17 (Ebit TTM 4.61b / Interest Expense TTM 3.93b)
EV/FCF = 2.42x (Enterprise Value 23.5b / FCF TTM 9.69b)
FCF Yield = 41.24% (FCF TTM 9.69b / Enterprise Value 23.5b)
FCF Margin = 51.13% (FCF TTM 9.69b / Revenue TTM 19.0b)
Net Margin = 18.56% (Net Income TTM 3.52b / Revenue TTM 19.0b)
Gross Margin = 52.26% ((Revenue TTM 19.0b - Cost of Revenue TTM 9.05b) / Revenue TTM)
Gross Margin QoQ = 53.63% (prev 50.64%)
Tobins Q-Ratio = 0.19 (Enterprise Value 23.5b / Total Assets 122b)
Interest Expense / Debt = 23.90% (Interest Expense 3.93b / Debt 16.4b)
Taxrate = 23.75% (1.10b / 4.61b)
NOPAT = 3.52b (EBIT 4.61b * (1 - 23.75%))
Current Ratio = 0.20 (Total Current Assets 16.2b / Total Current Liabilities 82.9b)
Debt / Equity = 0.97 (Debt 16.4b / totalStockholderEquity, last quarter 16.9b)
Debt / EBITDA = 0.05 (Net Debt 239.0m / EBITDA 5.17b)
Debt / FCF = 0.02 (Net Debt 239.0m / FCF TTM 9.69b)
Total Stockholder Equity = 16.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.90% (Net Income 3.52b / Total Assets 122b)
RoE = 20.94% (Net Income TTM 3.52b / Total Stockholder Equity 16.8b)
RoCE = 13.88% (EBIT 4.61b / Capital Employed (Equity 16.8b + L.T.Debt 16.4b))
RoIC = 2.91% (NOPAT 3.52b / Invested Capital 121b)
WACC = 14.09% (E(23.3b)/V(39.7b) * Re(11.17%) + D(16.4b)/V(39.7b) * Rd(23.90%) * (1-Tc(0.24)))
Discount Rate = 11.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.35 | Cagr: -8.52%
[DCF] Terminal Value 57.73% ; FCFF base≈9.77b ; Y1≈9.66b ; Y5≈9.92b
[DCF] Fair Price = 240.9 (EV 78.6b - Net Debt 239.0m = Equity 78.4b / Shares 325.4m; r=14.09% [WACC]; 5y FCF grow -1.84% → 2.50% )
EPS Correlation: 96.57 | EPS CAGR: 32.54% | SUE: 1.94 | # QB: 1
Revenue Correlation: 63.33 | Revenue CAGR: 4.06% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.37 | Chg30d=+1.09% | Revisions=+0% | Analysts=16
EPS current Year (2026-12-31): EPS=9.42 | Chg30d=+0.59% | Revisions=-17% | GrowthEPS=-0.1% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=10.44 | Chg30d=-0.32% | Revisions=-26% | GrowthEPS=+10.6% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -25% (up=9, down=16)