Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
SYF Financial Services
Synchrony Financial
$75.18-2.13%
Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Market cap
- 24.5B USD
- Full-time employees
- 20,000
Growth
Is it growing?42/100
Moderate
3/3 inputs reported · High confidence
Since last quarter: No major change
Why
Compare with peers Mixed versus peers:
- ▲ EPS growth
- ▼ Revenue growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth22.4%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.45Sector median: 0.0999 · MAD: 0.27733-year revenue growth8.7%
Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported value33% base weight · Z-score -0.15Sector median: 0.0999 · MAD: 0.0858Revenue growth-0.5%
Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported value33% base weight · Z-score -0.54Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?82/100
Strong
2/3 inputs reported · Partial data
Since last quarter: No major change
Why
Compare with peers Stronger than most peers on:
- ▲ ROIC
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating marginUnavailable
Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.2353 · MAD: 0.1462Return on assets2.9%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.14Sector median: 0.0256 · MAD: 0.0233Return on invested capital25.5%
Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score 3.70Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity20.8%
SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsHigher
Higher relative risk
2/3 inputs reported · Partial data
Since last quarter: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ Beta
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta1.31
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.95Sector median: 0.7010 · MAD: 0.3115Current ratioUnavailable
Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 2.0250 · MAD: 1.2470Debt / equity0.97×
SEC filings · latest balance sheetReported value33% base weight · Z-score -0.73Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about Synchrony Financial
- Is Synchrony Financial getting weaker?
- Its latest SEC filing (Jul 23, 2026) got stronger: share count down 3.4%. Its overall score is unchanged at 47/100 since Oct 28, 2026.
- How is Synchrony Financial valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is Synchrony Financial growing?
- At about the same pace as its peers. Growth scores 42/100 against 432 financial services peers. Earnings per share growth 22.4% vs a peer median of 10.0% (stronger than 65% of peers).Earnings per share growth 22.4% vs peers 10.0% (stronger than 65% of peers). Revenue growth -0.5% vs a peer median of 7.4% (weaker than 70% of peers).Revenue growth -0.5% vs peers 7.4% (weaker than 70% of peers).
- How profitable is Synchrony Financial?
- More profitable than most of its peers. Profitability scores 82/100 against 432 financial services peers. Return on invested capital 25.5% vs a peer median of 6.3% (stronger than 85% of peers).Return on invested capital 25.5% vs peers 6.3% (stronger than 85% of peers).
- How risky is Synchrony Financial?
- Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Beta 1.31 vs a peer median of 0.70 (weaker than 86% of peers).Beta 1.31 vs peers 0.70 (weaker than 86% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Quarter ended Jun 30, 2026 · filed Jul 23, 2026 · compared with the quarter ended Mar 31, 2026Got stronger
- Share count down 3.4%
| Previous quarter | Latest quarter | Change | |
|---|---|---|---|
| Net income (12 months) | 3.6B USD | 3.5B USD | −2.3% |
| Debt | 16.4B USD | 16.4B USD | +0.0% |
| Cash | 20.6B USD | 16.2B USD | −21.2% |
| Shares outstanding | 337.0M | 325.4M | −3.4% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.
Industry valuation context
Sector: Financial Services · 98 companiesValuations in Financial Services are above their usual range since 2016.
- 67% of months since 2016 were valued lower than now.
- 32% of companies are in the most expensive fifth of their own price-to-sales history.
- Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
- Median price-to-sales is +30% vs the whole market, against a usual +47%.
Shown for Financial Services: too few Credit Services companies have a long enough history of their own.
Financials
Fiscal years from SEC annual filings · change vs the prior year| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Return on assets (ROA) | 4.4% | 2.9% | 1.9% | 2.9% | 3.0% | ▲ 0.1 pts |
| Return on equity (ROE) | 30.9% | 23.4% | 16.1% | 21.1% | 21.2% | ▲ 0.1 pts |
| Debt to equity | 1.06× | 1.10× | 1.15× | 0.93× | 0.91× | ▼ 2.9% |
SYF price history
Price history is added with the daily price update and will appear after the next one.