SYNCHRONY FINANCIAL (SYF)

Price$70.82

Value ScoreB

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-17.05%

Price vs S&P 500 (4W)-10.67%

VGM Score57.02

Market Capitalization$23.46B

P/E Ratio (Annual)6.61x

Indicated Dividend Yield (Annual)1.68%

All Metrics

P/CF (Annual)2.38x

Book Value / Share (Quarterly)$48.92

P/TBV (Annual)1.94x

Indicated Dividend (Annual)$1.20

Revenue Growth (3Y)-3.52%

Cash Flow / Share (Quarterly)$29.20

Payout Ratio (TTM)14.36%

Price vs S&P 500 (YTD)-25.31%

Net Profit Margin (TTM)14.06%

EPS (TTM)$9.89

10-Day Avg Trading Volume4.16M

EPS Excl Extra (TTM)$9.89

Revenue Growth (5Y)0.89%

EPS (Annual)$9.50

Dividend / Share (Annual)$1.39

ROI (Annual)11.12%

Net Profit Margin (5Y Avg)19.17%

Cash / Share (Quarterly)$37.80

P/E Basic Excl Extra (TTM)6.52x

Revenue Growth QoQ (YoY)23.31%

EPS Growth (5Y)32.29%

P/E Normalized (Annual)6.61x

ROA (Last FY)2.98%

Revenue Growth TTM (YoY)20.48%

EBITD / Share (TTM)$9.86

ROE (5Y Avg)22.55%

Operating Margin (TTM)18.39%

Cash Flow / Share (Annual)$28.39

P/B Ratio1.42x

P/B Ratio (Quarterly)1.39x

Net Income / Employee (Annual)$177,600

ROA (TTM)3.01%

EPS Growth QoQ (YoY)19.68%

EV / EBITDA (TTM)7.78x

EPS Incl Extra (Annual)$9.50

3-Month Avg Trading Volume4.40M

52-Week Price Return22.64%

EV / Free Cash Flow (Annual)4.05x

P/E Incl Extra (TTM)6.52x

Tangible BV / Share (Quarterly)$45.29

P/S Ratio (Annual)0.77x

52-Week High$88.77

Operating Margin (5Y Avg)25.03%

EPS Excl Extra (Annual)$9.50

Tangible BV CAGR (5Y)6.03%

26-Week Price Return-1.12%

13-Week Price Return-3.43%

Total Debt / Equity (Annual)0.91x

Enterprise Value$39.89B

Revenue / Share Growth (5Y)11.59%

Book Value / Share Growth (5Y)17.31%

Revenue / Employee (Annual)$876,986,300,000

Pretax Margin (Annual)24.75%

Cash / Share (Annual)$23.49

3-Month Return Std Dev29.06%

Net Income / Employee (TTM)$180,000

EBITDA CAGR (5Y)3.50%

EBITDA Interim CAGR (5Y)-0.77%

ROE (Last FY)21.19%

EPS Basic Excl Extra (Annual)$9.50

P/FCF (TTM)2.39x

EV / Free Cash Flow (TTM)4.06x

Total Debt / Equity (Quarterly)1.00x

EPS Incl Extra (TTM)$9.89

ROI (TTM)11.14%

Dividend Growth Rate (5Y)8.17%

P/S Ratio (TTM)0.73x

Pretax Margin (5Y Avg)25.03%

Revenue / Share (Annual)$33.11

Tangible BV / Share (Annual)$44.70

Forward P/E7.31x

Free OCF CAGR (5Y)5.64%

Price vs S&P 500 (52W)-5.56%

P/E Ratio (TTM)6.52x

EPS Growth TTM (YoY)32.06%

Year-to-Date Return-14.37%

5-Day Price Return-0.54%

EPS Normalized (Annual)$9.50

ROA (5Y Avg)3.02%

Net Profit Margin (Annual)18.84%

Month-to-Date Return-6.25%

Cash Flow / Share (TTM)$6.42

EBITD / Share (Annual)$13.73

EPS Growth (3Y)15.04%

Operating Margin (Annual)24.75%

LT Debt / Equity (Annual)0.91x

P/CF (TTM)2.39x

ROI (5Y Avg)11.13%

P/E Excl Extra (TTM)6.52x

LT Debt / Equity (Quarterly)1.00x

EPS Basic Excl Extra (TTM)$9.89

P/TBV (Quarterly)1.50x

Payout Ratio (Annual)14.36%

P/B Ratio (Annual)1.79x

Dividend / Share (TTM)$1.44

Pretax Margin (TTM)18.39%

Book Value / Share (Annual)$48.32

Price vs S&P 500 (13W)-13.18%

Net Margin Growth (5Y)6.60%

Dividend Yield (TTM)2.20%

Beta1.34x

P/FCF (Annual)2.38x

Revenue / Share (TTM)$39.08

ROE (TTM)21.41%

52-Week Low$56.51

vGradeB

gGradeC

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 262.27est. 2.21

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.93

4.00

3.93

Industry Peers — Finance Services(152)

Symbol	Value Score	Growth Score	Momentum Score	Price
SYFSYNCHRONY FINANCIAL	B	C	C	$70.82
AXPAmerican Express Company	D	B	C	$313.54
NUNu Holdings Ltd.	D	B	C	$12.99
COINCoinbase Global, Inc. Class A Common Stock	D	C	C	$182.61
MSTRStrategy Inc Common Stock Class A	D	D	C	$149.78
CRCLCircle Internet Group, Inc.	F	C	B	$104.97
SOFISoFi Technologies, Inc. Common Stock	D	B	B	$18.58
IRENIREN Limited Ordinary Shares	F	B	A	$65.33
HUTHut 8 Corp. Common Stock	F	A	A	$132.38
WULFTeraWulf Inc. Common Stock	F	B	A	$25.66
BMNRBitMine Immersion Technologies, Inc.	D	A	C	$18.85

About

Synchrony Financial is the largest provider of private-label credit cards in the United States by receivables and transaction volume, serving major retailers through partnerships. The company operates three core segments: retail credit cards, promotional financing for large-ticket purchases, and CareCredit for healthcare procedures, distributing products across physical stores, websites, and mobile platforms. Revenue is generated through interest income, fees, and other financial services across its diversified lending portfolio.