SYF - Synchrony Financial Stock Analysis
Synchrony Financial (SYF) is a publicly traded company listed on the NYSE. It operates in the Credit Services industry, part of the broader Financial sector. The company has a market capitalization of 28.88B, generates annual revenue of 19.27B, and reports net income of 3.49B. As of the latest data, the stock is trading at 80.19 USD.
From a valuation and risk perspective, the stock presents the following profile: The stock may be undervalued based on its earnings, though it could also reflect market concerns. The PEG ratio is below 1, which may indicate the stock is undervalued relative to its growth potential. The company maintains a healthy balance between debt and equity, which is typical for stable businesses. The dividend yield (1.43%) is modest, often associated with growth-oriented companies. The stock exhibits higher volatility than the market, which may indicate greater risk and potential reward.
Analyst recommendation stands at Hold (3.85), indicating current market sentiment. Institutional ownership is reported at 105.97%, reflecting confidence from large investors. Over the last 12 months, the stock has shown a performance of 17.74%, trading within a 52-week range of 40.54 - 88.77.
SYF - Synchrony Financial
80.19
Analyst Consensus
Hold 3.85
SYF – Analyst Rating Summary
- Strong Buy: 5
- Buy: 13
- Hold: 9
- Sell: 0
- Strong Sell: 0
- Total Analysts: 27
| Index: | S&P 500 | P/E: | 8.76 | EPS (ttm): | 9.15 | Insider Own: | 0.48% | Shs Outstand: | 360.14M | Perf Week: | -7.71% |
| Market Cap: | 28.88B | Forward P/E: | 8.62 | EPS next Y: | 9.30 | Insider Trans: | -4.68% | Shs Float: | 358.45M | Perf Month: | -3.84% |
| Income(ttm): | 3.49B | PEG: | 0.51 | EPS next Q: | 2.04 | Inst Own: | 105.97% | Short Float: | 4.64% | Perf Quarter: | 14.15% |
| Revenue(ttm): | 19.27B | P/S: | 1.50 | EPS this Y: | 41.68% | Inst Trans: | -2.94% | Short Ratio: | 4.90 | Perf Half Y: | 14.49% |
| Book/sh: | 43.99 | P/B: | 1.82 | EPS next Y: | -0.25% | ROA: | 3.03% | Short Interest: | 16.63M | Perf Year: | 17.74% |
| Cash/sh: | 45.10 | P/C: | 1.78 | EPS next 5Y: | 16.80% | ROE: | 21.64% | 52W Range: | 40.54 - 88.77 | Perf YTD: | -3.88% |
| Dividend Est.: | 1.15 (1.43%) | P/FCF: | 2.96 | EPS past 3/5Y: | 5.23% 8.99% | ROIC: | 11.09% | 52W High: | 88.77 -9.67% | Beta: | 1.42 |
| Dividend TTM: | 1.15 (1.43%) | Quick Ratio: | 2.90 | Sales past 3/5Y: | 22.75% 5.88% | Gross Margin: | 80.23% | 52W Low: | 40.54 97.78% | Perf 5Y: | 120.97% |
| Dividend Ex-Date: | Nov 05, 2025 | Current Ratio: | 2.90 | EPS Y/Y TTM: | 19.65% | Oper. Margin: | 28.31% | RSI (14): | 44.20 | Volatility: | 3.22% 2.07% |
| Employees: | 20000 | Debt/Eq: | 0.85 | Sales Y/Y TTM: | -6.38% | Profit Margin: | 18.12% | Recom: | 1.88 | Target Price: | 91.70 |
| Option/Short: | Yes / Yes | LT Debt/Eq: | 0.85 | EPS Q/Q: | 47.52% | Payout: | 11.69% | Rel Volume: | 1.74 | Prev Close: | 77.70 |
| Sales Surprise: | 0.68% | EPS Surprise: | 26.38% | Sales Q/Q: | -3.13% | Earnings: | Jan 27 BMO | Avg Volume: | 3.39M | Price: | 80.19 |
| SMA20: | -4.52% | SMA50: | 0.22% | SMA200: | 15.74% | Undervalued: 14.35% | Volume: | 5,906,495 | Change: | 3.20% | |
Graham Classic formula value: 345.91
(P/E=8 * 1g) Min value: 203.76
(current P/E * 2g) Max value: 348.04
Average value: 299.24
About Synchrony Financial
Synchrony Financial engages in the provision of consumer financial services. It focuses on digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and other industries. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.
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