SYF Share Price | Synchrony Financial Stock Analysis & Recommendation

Q: What does Synchrony Financial do?

Overview:Synchrony Financial is a consumer financial services company operating in the finance industry, with a market capitalization in the large-cap bracket.Financial Snapshot:Most recent Net Sales: 4,804 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 757 Million (Quarterly Results - Mar 2025) Market-cap: USD 40,230.53 Million (Large Cap)Key Metrics:P/E: 13.00 Dividend Yield: 1.09% Debt Equity: -999,999.00 Return on Equity: 17.87% Price to Book: 2.43Contact Details:Address: 777 Long Ridge Rd, STAMFORD CT: 06902-1250 Tel: 1 203 5856730 Fax: 1 302 6555049 Website: https://www.synchronyfinancial.com/

Q: Is Synchrony Financial overvalued or undervalued?

As of 22 July 2025, the valuation grade for Synchrony Financial has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 13, an EV to EBITDA ratio of 1.58, and a PEG ratio of 2.29. In comparison, its peer AerCap Holdings has a P/E of 11.71, while SoFi Technologies is considered expensive with a P/E of 54.79, highlighting Synchrony's favorable positioning within its industry.Additionally, Synchrony Financial has outperformed the S&P 500 over multiple periods, with a year-to-date return of 17.74% compared to the S&P 500's 12.22%, and a one-year return of 56.54% against the S&P 500's 17.14%. This performance further reinforces the narrative of Synchrony being an attractive investment opportunity.

Q: Is Synchrony Financial technically bullish or bearish?

As of 31 October 2025, the technical trend for Synchrony Financial has changed from mildly bullish to bullish. The daily moving averages indicate a bullish stance, while the monthly MACD is also bullish. However, the weekly MACD and KST are mildly bearish, suggesting mixed signals in shorter time frames. The Bollinger Bands are mildly bullish on both weekly and monthly charts. Overall, the stock shows a strong performance over the longer term, with a 1-year return of 32.67% compared to the S&P 500's 19.89%, and a 5-year return of 174.94% versus the S&P 500's 109.18%. This indicates a robust long-term trend despite some short-term volatility.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

3.8 M

Shareholding (Dec 2025)

FII

24.04%

Held by 382 FIIs

DII

33.31%

Held by 85 DIIs

Promoter

0.03%

How big is Synchrony Financial?

22-Jun-2025

As of Jun 18, Synchrony Financial has a market capitalization of $40.23 billion, with net sales of $19.60 billion and a net profit of $2.96 billion over the latest four quarters. The balance sheet shows shareholder's funds of $16.58 billion and total assets of $119.46 billion.

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What does Synchrony Financial do?

22-Jun-2025

Synchrony Financial is a consumer financial services company with a market capitalization of approximately $40.23 billion, reporting net sales of $4.8 billion and a net profit of $757 million as of March 2025. Key metrics include a P/E ratio of 13.00 and a dividend yield of 1.09%.

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Who are in the management team of Synchrony Financial?

22-Jun-2025

As of March 2022, the management team of Synchrony Financial includes Richard Hartnack (Non-Executive Independent Chairman), Margaret Keane (Executive Chairman), and several independent directors: P.W. Parker, Fernando Aguirre, Paget Alves, and Arthur Coviello. They are responsible for the company's strategic direction and governance.

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Is Synchrony Financial overvalued or undervalued?

20-Sep-2025

As of July 22, 2025, Synchrony Financial's valuation has improved to very attractive, with a P/E ratio of 13, an EV to EBITDA ratio of 1.58, and strong performance, outperforming the S&P 500 with a year-to-date return of 17.74% and a one-year return of 56.54%.

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Is Synchrony Financial technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Synchrony Financial's trend is bullish overall, supported by daily moving averages and monthly MACD, despite mixed signals from weekly indicators, with a strong long-term performance of 32.67% over one year compared to the S&P 500's 19.89%.

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Compare Synchrony Financial with Similar Stocks

AerCap Holdings NV Discover Financial Services United Rentals, Inc.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 20.89%

Positive results in Jun 25

With ROE of 17.87%, it has a attractive valuation with a 2.38 Price to Book Value

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 46,542 Million (Mid Cap)

P/E

13.00

Industry P/E

Dividend Yield

1.35%

Debt Equity

-999,999.00

Return on Equity

21.19%

Price to Book

2.78

Revenue and Profits:

Net Sales:

4,766 Million

(Quarterly Results - Dec 2025)

Net Profit:

751 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-17.15%

6 Months

-11.77%

1 Year

22.62%

2 Years

59.28%

3 Years

101.99%

4 Years

85.41%

5 Years

67.09%

Synchrony Financial for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

8.31%

EBIT Growth (5y)

6.52%

EBIT to Interest (avg)

14.10

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

22.62%

Dividend Payout Ratio

12.40%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

235.42%

ROE (avg)

20.89%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.79

EV to EBIT

2.90

EV to EBITDA

2.84

EV to Capital Employed

38.24

EV to Sales

1.63

PEG Ratio

0.94

Dividend Yield

1.23%

ROCE (Latest)

1317.07%

ROE (Latest)

20.83%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 139 Schemes (42.62%)

Foreign Institutions

Held by 382 Foreign Institutions (24.04%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

4,766.00

4,919.00

-3.11%

Operating Profit (PBDIT) excl Other Income

2,686.00

2,816.00

-4.62%

Interest

192.00

201.00

-4.48%

Exceptional Items

0.00

Consolidate Net Profit

751.00

774.00

-2.97%

Operating Profit Margin (Excl OI)

240.00%

238.70%

0.13%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is -3.11% vs 3.73% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is -2.97% vs 75.91% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

19,116.00

20,759.00

-7.91%

Operating Profit (PBDIT) excl Other Income

11,014.00

12,438.00

-11.45%

Interest

805.00

828.00

-2.78%

Exceptional Items

0.00

Consolidate Net Profit

3,552.00

3,499.00

1.51%

Operating Profit Margin (Excl OI)

283.80%

259.20%

2.46%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is -7.91% vs 19.73% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 1.51% vs 56.34% in Dec 2024

All Annual Results

Company CV

About Synchrony Financial

Synchrony Financial

Finance

Synchrony Financial is a consumer financial services company. The Company provides a range of credit products through programs it has established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company's revenue activities are managed through three sales platforms: Retail Card, Payment Solutions and CareCredit. It offers its credit products through its subsidiary, Synchrony Bank (the Bank). Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation (FDIC), including certificates of deposit, individual retirement accounts (IRAs), money market accounts and savings accounts. The Company offers three types of credit products: credit cards, commercial credit products and consumer installment loans. The Company also offers a debt cancellation product. It offers two types of credit cards: private label credit cards and Dual Cards.

Company Coordinates

Company Details

777 Long Ridge Rd , STAMFORD CT : 06902-1250

Tel: 1 203 5856730

https://www.synchronyfinancial.com/

Registrar Details