Synchrony Financial (SYF)
Fair ValueFundamental
73
Price
$73.64
Market Cap
$24.11B
Part 1 · What the company is worth
Overview
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$19.25B
Trailing 12 months (through 6/30/2026)
Net Income
$3.52B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$16.77B
Total Liabilities
$102.33B
Current Ratio
-
Interest Coverage
0.25
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$76.99
Current Price
$73.64
Margin of Safety
+4.4%
Fair Value Range
$50.04 - $103.94
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
7.55
ROE
21.2%
P/B Ratio
1.42
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
13.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (15)
- EPS shows upward trend
- EPS CAGR 9.07%
- Price CAGR 7.06%
- P/B ratio 1.42
- Operating margin 24.0%
- Return on tangible assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 20.9%
- Earnings surprise, average 8.2%
- PEG ratio 0.21
- Earnings quality (operating cash flow / net income) 2.76
- Share dilution -6.5%
- Net margin trend 18.3% vs 17.6%
- Piotroski F-Score 6/9
Failed (4)
- Debt/equity ratio
- Interest coverage
- DCF valuation (Unknown)
- Revenue growth 5Y 0.9%
Unavailable (8)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Brian D. Doubles | President, CEO & Director | 49 |
| Mr. Brian J. Wenzel Sr. | Executive VP & CFO | 57 |
| Mr. Jonathan S. Mothner Esq., J.D. | Executive VP and Chief Risk & Legal Officer | 61 |
| Ms. Carol D. Juel | Executive VP & CEO of Digital Platform | 52 |
| Mr. Curtis Howse | Executive VP and CEO of Home & Auto | 61 |
| Mr. D.J. Casto | Executive VP and Chief People & Operations Officer | - |
| Ms. Amy L. Tiliakos | Senior VP, Chief Accounting Officer & Controller | 42 |
| Mr. Florin Arghirescu | Executive VP & CTO | - |
| Ms. Kathryn Harmon Miller | Senior Vice President & Director of Investor Relations | - |
| Mr. Alberto Casellas | Executive VP and CEO of Health & Wellness | 58 |
Audit Risk
6
Board Risk
2
Compensation Risk
3
Shareholder Rights Risk
5
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-06
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-10-22
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-20
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SYF moves, measured on its daily prices.
More volatile than 37% of the tracked stocks (90-day volatility).
- Volatility 30d
- 24.1%
- Volatility 90d
- 31.3%
- Beta vs S&P 500 (1y)
- 1.17Correlation 0.48
- Max drawdown (12m)
- -27.9%
- ATR (14d, % of price)
- 2.65%
Earnings reactions
How SYF moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 1.7% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 4.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 20, 2026 | Before the open | 2.40 | 2.68 | +11.4% | -0.3% | -1.2% | n/a |
| Jul 21, 2026 | Before the open | 2.13 | 2.59 | +21.5% | +1.5% | -1.6% | +2.6% |
| Apr 21, 2026 | Before the open | 2.21 | 2.27 | +2.8% | -1.5% | -1.2% | -2.3% |
| Jan 27, 2026 | Before the open | 2.06 | 2.04 | -1.2% | -1.4% | -5.8% | -5.1% |
| Oct 15, 2025 | Before the open | 2.25 | 2.86 | +27.3% | +0.8% | -0.7% | +1.6% |
| Jul 22, 2025 | Before the open | n/a | n/a | n/a | -1.0% | +1.8% | +4.9% |
| Apr 22, 2025 | Before the open | n/a | n/a | n/a | +0.4% | +2.8% | +10.5% |
| Jan 28, 2025 | Before the open | n/a | n/a | n/a | -4.8% | -4.6% | -3.3% |
| Oct 16, 2024 | Before the open | n/a | n/a | n/a | +3.6% | +6.1% | +4.5% |
| Jul 17, 2024 | Before the open | n/a | n/a | n/a | -0.2% | +1.0% | -1.7% |
| Apr 24, 2024 | Before the open | n/a | n/a | n/a | +0.3% | +5.0% | +2.6% |
| Jan 23, 2024 | Before the open | n/a | n/a | n/a | -0.1% | -0.9% | +3.8% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SYF and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SYF.