Stock AnalizSynchrony Financial SYF
Finance: Consumer Services · IPO 2014 · data as of November 13, 2026
Synchrony Financial (SYF) is a financial company listed in the US with a market value of about $22.5B. In the twelve months to September 30, 2026 it had revenue of $19.3B and net income of $3.2B, a net margin of 16.8%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (2/5).
Key numbers: a P/E of 7.5, a price to free cash flow of 2.4, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 34% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.3B | $19.0B | $19.5B | $17.3B | $16.0B | $14.7B | $14.8B | $17.2B | $16.4B | $15.3B | $13.9B |
| Net income | $3.2B | $3.6B | $3.5B | $2.2B | $3.0B | $4.2B | $1.4B | $3.7B | $2.8B | $1.9B | $2.3B |
| Free cash flow | $9.6B | $9.9B | $9.8B | $8.6B | $6.7B | $7.1B | $7.5B | $9.0B | $9.3B | $8.6B | $6.5B |
| EPS (diluted) | $9.60 | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 |
| Net margin | 16.8% | 18.7% | 17.9% | 13.0% | 18.8% | 28.7% | 9.3% | 21.8% | 17.0% | 12.6% | 16.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 23 analysts is $87.00, 20% above the current price; targets range from $76.00 to $103.00; the consensus rating is “Buy”; expected EPS is $9.54 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Synchrony Financial’s P/E ratio?
About 7.5, based on the last twelve months of diluted earnings per share (forward P/E about 7.4).
Is Synchrony Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 34% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Synchrony Financial pay a dividend?
Yes. The dividend yield is about 1.88%, and it has paid dividends for 10 years in our data.
Is Synchrony Financial a good stock to buy?
We do not give buy or sell advice. Synchrony Financial scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.