Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and gen…
What to know about SYF
Synchrony Financial is a large Financial Services company with a mixed financial profile. It scores well on cash flow and valuation, but size is worth keeping an eye on.
Should you consider SYF?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Synchrony Financial is a large-cap Financial Services company with a mixed overall financial profile — it ranks in the top quarter of its Financial Services peers (18 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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Growth has been slower than most peers. That's not necessarily a dealbreaker, but it means the investment case rests more on current earnings than future expansion.
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This stock pays no dividend — your return depends entirely on the share price rising over time.
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The stock is more volatile than most S&P 500 names — it can swing sharply in both directions. This suits investors comfortable with bigger short-term moves.
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There are several areas of concern. This may suit investors with a higher risk tolerance or a specific contrarian view on the Financial Services sector.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how SYF compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 7.79 | Top 25% |
| Forward P/E | 7.18 | Top 25% |
| PEG Ratio | 2.19 | Average |
| Price to Sales | 2.56 | Above avg |
| Price to Book | 1.66 | Top 25% |
| EV/EBITDA | — | N/A |
| Earnings Yield | 12.84% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 0.00% | Below avg |
| Operating Margin | 48.03% | Top 25% |
| Net Profit Margin | 36.39% | Top 25% |
| Return on Equity | 21.78% | Above avg |
| Return on Invested Capital | 2.96% | Below avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 6.10% | Average |
| Revenue Growth (3Y CAGR) | 8.67% | Above avg |
| EPS Growth (YoY) | 20.10% | Above avg |
| Free Cash Flow Growth | 0.03% | Average |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | — | N/A |
| Debt to Equity | — | N/A |
| Interest Coverage | — | N/A |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | — | N/A |
| Payout Ratio | — | N/A |
| Dividend Growth (5Y) | -7.37% | Above avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 38.85% | Top 25% |
| OCF to Sales | 65.73% | Top 25% |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 1.32 | Below avg |
| Volatility (30-Day) | 31.59% | Average |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 8.98% | Below avg |
| Avg. Analyst Rating | 1.88 | Above avg |
| Target Upside % | 18.55% | Above avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 25.32B | Average |
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