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Company Analysis

Synchrony Financial SYF

A comprehensive view of key metrics, scores, and financial health for Synchrony Financial

Overview of Synchrony Financial

SYF NYQ
Financial Services Credit Services Large Cap
Synchrony Financial (SYF), is a Large Cap company, in the Credit Services industry, last closed at $63.78, about 29.4% overvalued vs fair value, +19.3% 1Y return, ranked 426/1004 in sector.
$63.78
-0.30%
As of March 13, 2026
Previous close • Vol 90d: 34.7%
52-Week Range
Market Cap
$23.17B
Enterprise Value
$23.38B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.synchrony.com
HQ Stamford, CT
Employees 20,000
Fiscal year Dec 31

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$25
$45
$84
Current: $63.78 -29% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$22.6B
-0.2%%
Interest Expense
$4.1B
Net Interest Income
$18.5B
2.5%%
Total Revenue
$15.0B
-7.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
22.3%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.5B
99.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Synchrony Financial's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
52
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing SYF's balance between Growth (24.6%), Profitability (37.7%), and Safety (37.7%). Growth 25% Safety 38% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
41
Key Signals
Revenue CAGR 3Y 8.7% 54p EPS CAGR 3Y 14.7% 68p TSR 30.5% 69p EPS Growth YoY 8.5% 31p Rev Growth YoY -7.1% 14p
Strengths
  • Superior capital returns - 2 return metrics above peer median
  • Fcf Margin in top 20% of peers (65.8%, 90th percentile)
  • Current Ratio in top 20% of peers (25.25, 93th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (-7.1%)

Profitability

63th percentile vs peers
63
Key Signals
Strengths
Risks
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Safety

63th percentile vs peers
63
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Synchrony Financial.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$45.00
- - -
-29.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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