SYF Stock Analysis: Synchrony Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 23.685m USD | 12M Return: 3.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 277M
EPS Trend: 96.6%
Qual. Beats: 1
Rev. Trend: 78.4%
Qual. Beats: 0
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: 3.52b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -0.07 > 1.0 |
| NWC/Revenue: -326.5% < 20% (prev -308.4%; Δ -18.09% < -1%) |
| CFO/TA 0.08 > 3% & CFO 9.83b > Net Income 3.52b |
| Net Debt (239.0m) to EBITDA (5.20b): 0.05 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (334.1m) vs 12m ago -11.87% < -2% |
| Gross Margin: 68.30% > 18% (prev 47.28%; Δ 21.02% > 0.5%) |
| Asset Turnover: 16.41% > 50% (prev 16.12%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 1.48 > 6 (EBIT TTM 4.69b / Interest Expense TTM 3.16b) |
| A: -0.53 (Total Current Assets 16.2b - Total Current Liabilities 81.1b) / Total Assets 122b |
| B: 0.21 (Retained Earnings 26.0b / Total Assets 122b) |
| C: 0.04 (EBIT TTM 4.69b / Avg Total Assets 121b) |
| D: 0.16 (Book Value of Equity 16.9b / Total Liabilities 105b) |
| Altman-Z'' = -2.37 = D |
As of July 26, 2026, the stock is trading at USD 72.90 with a total of 3,847,589 shares traded. Over the past week, the price has changed by -0.98%, over one month by -4.48%, over three months by -4.07% and over the past year by +3.21%.
Current recommended Stop Loss: 69.90 (which is 4.1% or 1.3 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 | 89.2 | 22.4% |
P/E Trailing = 7.4754
P/E Forward = 7.758
P/S = 2.3944
P/B = 1.5398
P/EG = 0.9345
Revenue TTM = 19.9b USD
EBIT TTM = 4.69b USD
EBITDA TTM = 5.20b USD
Long Term Debt = 15.2b USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 16.4b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 239.0m USD (calculated: Debt 16.4b - CCE 16.2b)
Enterprise Value = 23.9b USD (23.7b + Debt 16.4b - CCE 16.2b)
Interest Coverage Ratio = 1.48 (Ebit TTM 4.69b / Interest Expense TTM 3.16b)
EV/FCF = 2.43x (Enterprise Value 23.9b / FCF TTM 9.83b)
FCF Yield = 41.11% (FCF TTM 9.83b / Enterprise Value 23.9b)
FCF Margin = 49.43% (FCF TTM 9.83b / Revenue TTM 19.9b)
Net Margin = 17.68% (Net Income TTM 3.52b / Revenue TTM 19.9b)
Gross Margin = 68.30% ((Revenue TTM 19.9b - Cost of Revenue TTM 6.31b) / Revenue TTM)
Gross Margin QoQ = 83.66% (prev 82.72%)
Tobins Q-Ratio = 0.20 (Enterprise Value 23.9b / Total Assets 122b)
Interest Expense / Debt = 19.23% (Interest Expense 3.16b / Debt 16.4b)
Taxrate = 23.75% (1.10b / 4.61b)
NOPAT = 3.58b (EBIT 4.69b * (1 - 23.75%))
Current Ratio = 0.20 (Total Current Assets 16.2b / Total Current Liabilities 81.1b)
Debt / Equity = 0.97 (Debt 16.4b / totalStockholderEquity, last quarter 16.9b)
Debt / EBITDA = 0.05 (Net Debt 239.0m / EBITDA 5.20b)
Debt / FCF = 0.02 (Net Debt 239.0m / FCF TTM 9.83b)
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 = 14.66% (EBIT 4.69b / Capital Employed (Equity 16.8b + L.T.Debt 15.2b))
RoIC = 8.98% (NOPAT 3.58b / Invested Capital 39.8b)
WACC = 12.80% (E(23.7b)/V(40.1b) * Re(11.50%) + D(16.4b)/V(40.1b) * Rd(19.23%) * (1-Tc(0.24)))
Discount Rate = 11.50% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.35 | Cagr: -8.52%
[DCF] Terminal Value 61.59% ; FCFF base≈9.82b ; Y1≈9.89b ; Y5≈10.5b
[DCF] Fair Price = 286.0 (EV 93.3b - Net Debt 239.0m = Equity 93.0b / Shares 325.3m; r=12.80% [WACC]; 5y FCF grow 0.35% → 2.50% )
EPS Correlation: 96.57 | EPS CAGR: 32.54% | SUE: 1.94 | # QB: 1
Revenue Correlation: 78.41 | Revenue CAGR: 5.47% | SUE: 0.56 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.43 | Chg30d=-6.83% | Revisions=+0% | Analysts=17
EPS current Year (2026-12-31): EPS=9.34 | Chg30d=+0.74% | Revisions=+17% | GrowthEPS=-0.9% | GrowthRev=+1.5%
EPS next Year (2027-12-31): EPS=10.48 | Chg30d=+0.13% | Revisions=+12% | GrowthEPS=+11.4% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: +15% (up=6, down=4)