Skip to main content
Back
SYF logo

Synchrony Financial

Data quality: 100%
SYF
NYSE Financial Services Financial - Credit Services
$66.55
▲ $0.36 (0.54%)
Mkt Cap: 23.97B
Day Range
$66.53 $68.60
52-Week Range
$40.55 $88.77
Volume
3,137,868
50D / 200D Avg
$72.42 / $73.06
Prev Close
$66.19

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (853 peers)

Metric Stock Sector Median
P/E 6.8 10.5
P/B 1.4 1.3
ROE % 21.3 11.2
Net Margin % 18.6 14.8
Rev Growth 5Y % 14.2 11.0
D/E 0.9 1.0

Key Takeaways

Revenue grew 14.24% annually over 5 years — strong growth
ROE of 21.30% indicates high profitability
Net margin of 18.58% shows strong profitability
Generating 9.85B in free cash flow
P/E of 6.75 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 22.15%

Growth

Revenue Growth (5Y)
14.24%
Revenue (1Y)-7.91%
Earnings (1Y)1.51%
FCF Growth (3Y)7.07%

Quality

Return on Equity
21.30%
ROIC10.85%
Net Margin18.58%
Op. Margin24.17%

Safety

Debt / Equity
0.91
Current Ratio0.21
Interest Coverage1.12

Valuation

P/E Ratio
6.75
P/B Ratio1.43
EV/EBITDA5.23
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -7.91% Revenue Growth (3Y) 5.00%
Earnings Growth (1Y) 1.51% Earnings Growth (3Y) 25.98%
Revenue Growth (5Y) 14.24% Earnings Growth (5Y) -4.22%
Profitability
Revenue (TTM) 19.12B Net Income (TTM) 3.55B
ROE 21.30% ROA 2.98%
Gross Margin 51.04% Operating Margin 24.17%
Net Margin 18.58% Free Cash Flow (TTM) 9.85B
ROIC 10.85% FCF Growth (3Y) 7.07%
Safety
Debt / Equity 0.91 Current Ratio 0.21
Interest Coverage 1.12 Dividend Yield 0.02%
Valuation
P/E Ratio 6.75 P/B Ratio 1.43
P/S Ratio 1.25 PEG Ratio 1.02
EV/EBITDA 5.23 Dividend Yield 0.02%
Market Cap 23.97B Enterprise Value 24.18B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 19.12B 20.76B 17.34B 13.20B 11.22B
Net Income 3.55B 3.50B 2.24B 3.02B 4.22B
EPS (Diluted) 9.29 8.55 5.19 6.15 7.34
Gross Profit 9.76B 9.39B 7.66B 8.30B 9.47B
Operating Income 4.62B 4.55B 2.90B 3.96B 5.50B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 119.10B 119.46B 117.48B 104.56B 95.75B
Total Liabilities 102.33B 102.88B 103.58B 91.69B 82.09B
Shareholders' Equity 16.77B 16.58B 13.90B 12.87B 13.66B
Total Debt 15.18B 15.46B 15.98B 14.19B 14.51B
Cash & Equivalents 14.97B 14.71B 14.26B 10.29B 8.34B
Current Assets 17.32B 17.79B 18.06B 15.17B 13.62B
Current Liabilities 81.14B 82.06B 81.15B 77.50B 67.59B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#131 of 654
52

Recent Activity

Entered Contrarian Investing (David Dreman)
Mar 24, 2026