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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 $76.25, about 41.0% overvalued vs fair value, +46.8% 1Y return, ranked 431/1037 in sector.
Metrics P/E 9.0× Rev Growth -7.1% ROE 21.3% Div Yield 1.70%
$76.25
-0.65%
As of April 28, 2026
Previous close • Vol 90d: 34.7%
52-Week Range
Market Cap
$25.69B
Enterprise Value
$25.90B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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 Call: Apr 21

Fair Value Snapshot

Bear Base Bull
$25
$45
$84
Current: $76.25 -41% 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

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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
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
55
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SYF's balance between Growth (24.1%), Profitability (43.8%), and Safety (32.1%). Growth 24% Safety 32% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

36th percentile vs peers
36
Key Signals
NII Growth YoY 2.5% 48p Asset Growth YoY -0.3% 28p Equity Growth YoY 1.2% 31p EPS Growth YoY 8.5% 31p
Strengths
  • Net Interest Margin in top 20% of peers (15.5%, 86th percentile)
Risks
  • Growth below peer median (percentile: 36)

Profitability

65th percentile vs peers
66
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
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:

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  • 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
- - -
-41.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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