NYSE: SYFSynchrony Financial Stock
$74.38+0.79 (+1.07%)
Updated Oct 31, 2025
SYF Price
$74.38
Fair Value Price
N/A
Market Cap
$26.79B
52 Week Low
$40.55
52 Week High
$77.41
P/E
8.05x
P/B
1.57x
P/S
2.74x
PEG
2.89x
Dividend Yield
1.48%
Revenue
$9.65B
Earnings
$3.49B
Gross Margin
100%
Operating Margin
47.27%
Profit Margin
36.2%
Debt to Equity
5.86
Operating Cash Flow
$10B
Beta
1.4
Next Earnings
N/A
Ex-Dividend
Nov 5, 2025
Next Dividend
Nov 17, 2025
SYF Overview
Synchrony Financial is a consumer financial services company in the U.S. It provides commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony was founded in 1932 and is headquartered in Stamford, CT.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine SYF's potential to beat the market
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
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SYF News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SYF scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
SYF ($74.38) is trading above its intrinsic value of $63.99, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
SYF is good value based on its earnings relative to its share price (8.05x), compared to the US market average (41.65x)
P/E vs Market Valuation
SYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more SYF due diligence checks available for Premium users.
Valuation
SYF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.05x
Industry
34.56x
Market
41.65x
SYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SYF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SYF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.57x
Industry
5.15x
SYF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SYF price to earnings growth (PEG)
For valuing profitable companies with growth potential
SYF is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
SYF's financial health
Profit margin
Revenue
$2.7B
Net Income
$1.1B
Profit Margin
39.5%
SYF's Earnings (EBIT) of $4.56B... subscribe to Premium to read more.
Interest Coverage Financials
SYF's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$117.0B
Liabilities
$99.9B
Debt to equity
5.86
SYF's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
SYF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.6B
Investing
-$1.6B
Financing
-$5.0B
SYF's operating cash flow ($9.75B)... subscribe to Premium to read more.
Debt Coverage Financials
SYF vs Credit Service Stocks
Synchrony Financial Stock FAQ
Company
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