Synchrony Financial
SYF Financial Services Financial - Credit Services NYSE
$80.36
$-0.04 (-0.05%)
Open: $79.38 | High: $80.64 | Low: $79.22 | Prev Close: $80.40
Market Cap: $30.48B
Volume: 1.8M | Avg: 3.5M
Last updated: December 05, 2025 at 10:06 PMInvestment Rating
Buy
Overall Score: 80/100
Rating Breakdown:
Stock Score Analysis
Stock Score: 580
Comprehensive Quality Assessment
Component Breakdown:
Valuation Metrics
| P/E Ratio | 8.81 |
| P/B Ratio | 1.77 |
| P/S Ratio | 1.51 |
| EPS | $9.12 |
| Beta | 1.46 |
| Shares Outstanding | 379.25M |
| 52-Week High | $80.65 |
| 52-Week Low | $40.55 |
| SMA 50 | $73.50 |
| SMA 200 | $65.24 |
| Dividend Yield | 1.43% |
| Annual Dividend | $1.15 |
| Next Earnings | January 27, 2026 01:30 PM ET |
Financial Ratios
| Gross Margin | 58.9% |
| Operating Margin | 29.5% |
| Net Margin | 17.6% |
| ROE | 21.2% |
| ROA | 3.0% |
| Debt/Equity | 0.85 |
| Current Ratio | 18.93 |
| Quick Ratio | 18.93 |
Balance Sheet
| Total Assets | $119.46B |
| Total Liabilities | $102.88B |
| Total Equity | $16.58B |
| Cash | $14.71B |
| Total Debt | $15.46B |
| Net Debt | $751.00M |
Income Statement
| Revenue | $20.76B |
| Gross Profit | $9.39B |
| Operating Income | $4.55B |
| Net Income | $3.50B |
| EBITDA | $5.03B |
| Revenue/Share | $53.67 |
Cash Flow
| Operating CF | $9.85B |
| CapEx | N/A |
| Free Cash Flow | $9.85B |
| Book Value/Share | $45.42 |
| Tangible Book/Share | $39.61 |
| Equity/Share | $45.42 |
Technical Indicators
| RSI (14) | 73.52 Overbought |
| MACD |
1.56
Signal: 0.89
|
| Volatility | 23.78% |
| Trading Signal | Overbought |
Performance & Returns
| 1 Year | +22.52% |
| Sharpe Ratio | 0.82 Fair |
| Volatility (Ann.) | 40.12% High Risk |
| SYF (1Y) | +22.52% |
| S&P 500 (1Y) | +11.86% |
| Alpha (Excess Return) | +10.66% |
Sector Comparison (Financial Services)
| Metric | SYF | Sector Avg | Percentile |
|---|---|---|---|
| P/E Ratio | 8.81 | 48.32 | 4% |
| P/B Ratio | 1.77 | 3.95 | 41% |
| ROE (%) | 21.16% | 18.33% | 73% |
| Net Margin (%) | 17.63% | 18.55% | 57% |
| Stock Score | 580 | 407.0 | 96% |
| 1Y Return (%) | +22.52% | +6.13% | 93% |
Historical Price Analysis (Last 200 Days)
Technical Analysis
| Ticker | Close | SMA 5 | SMA 8 | SMA 13 | SMA 50 | SMA 200 | RSI (14) | MACD | Volatility (%) | Volume | Signal | SMA Decision |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SYF | $80.36 | $78.77 | $77.73 | $75.61 | $73.50 | $65.24 | 73.52 | 1.56 | 23.78% | 2121395 | Strong Long | Bullish Stack |
Candlestick Patterns
There wasn't any recognizable pattern for the SYF stock
News Sentiment
| 📊 Ticker | 📰 Headline | 💭 Sentiment | 📡 Source | 🔗 URL |
|---|---|---|---|---|
| SYF | Synchrony and METUS Renew Relationship to Offer Customers Flexible HVAC Financing for Greater Comfort | Neutral | prnewswire.com | Read More |
| SYF | Arrowstreet Capital Limited Partnership Has $215.34 Million Holdings in Synchrony Financial $SYF | Neutral | defenseworld.net | Read More |
| SYF | Synchrony to Participate in the 2025 Goldman Sachs Financial Services Conference | Neutral | prnewswire.com | Read More |
| SYF | Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick? | Neutral | zacks.com | Read More |
| SYF | Synchrony Financial $SYF Shares Sold by Creative Planning | Neutral | defenseworld.net | Read More |
Company Information
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
| CEO | Brian D. Doubles |
| Employees | 20000 |
| Country | US |
| IPO Date | 2014-07-31 |
| Exchange | NYSE |
| Website | https://www.synchrony.com |
| Sector | Financial Services |
| Industry | Financial - Credit Services |
Similar Stocks (Financial Services - Financial - Credit Services)
Rating Metrics Explained
DCF Score (Discounted Cash Flow)
Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.
ROE Score (Return on Equity)
Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.
ROA Score (Return on Assets)
Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.
D/E Score (Debt-to-Equity)
Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.
P/E Score (Price-to-Earnings)
Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.
P/B Score (Price-to-Book)
Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.
Rating Recommendations:
Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:
-
Strong Buy (5/5): Excellent score - strong positive indicator
- The metric significantly outperforms industry averages (top 20% of companies)
- Indicates exceptional financial health or attractive valuation in that category
-
Buy (4/5): Good score - positive indicator
- Above-average performance (top 40% of companies)
- Shows strong fundamentals with room for improvement
-
Neutral (3/5): Average score - neutral indicator
- Performance in line with industry median (middle 20%)
- Neither significantly positive nor negative signal
-
Sell (2/5): Below average - negative indicator
- Below-average performance (bottom 40% of companies)
- Suggests weakness in this particular metric
-
Strong Sell (1/5): Poor score - strong negative indicator
- Significantly underperforms industry (bottom 20%)
- Indicates potential risk or overvaluation in that category