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Equity
SYF
+0.0 · +0.00%
USD · NYSE

Synchrony Financial(SYF) Stock Analysis | Financial Services

USD --+0.00%
Reward67High
Risk49Moderate
75%Data
Strong 36% profit margin
Deep Value
Market Cap:25.40Bn
ⓘ
Reward Rating
67
High
Reward Assessment
75% data coverage
Top 25% of stocksView factors
ⓘ
Risk Rating
49
Moderate
Risk Assessment
2 metrics flaggedView details

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on SYF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for SYF, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $89.30.

What is Synchrony Financial?

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.

SYF · Verdict

Solid reward · moderate risk

SYF stands out on valuation and profitability, but watch the volatility signal.

Based on 88% data coverage

SYF · Verdict

What’s working & what to watch

Strengths 4

  • Valuation87/100

    P/E 8.6× · PEG 1.13

  • Profitability77/100

    19% net margin · 21% ROE

  • Cash flow75/100

    52% free-cash-flow margin

  • Growth65/100

    Rev +13.2% CAGR · earnings +5.6%

Watchouts 1

  • Volatility35/100

    Below average

Model-based scoring. For information only — not financial advice.

What is Synchrony Financial?

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. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 25.40B, and a P/E ratio of 8.0x.

Financial Highlights

Investment Breakdown

Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
Profitability
Strong margins and consistent earnings support financial stability.
Risk
Risk profile appears balanced versus broad market conditions.
Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: High (67)

The scoring profile indicates moderate reward potential, with valuation and profitability as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

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Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap25.40B
P/E Ratio8.0051
Dividend Yield1.50%
Beta1.311
Insider Activity
12M windowBearish
Shares soldShares bought
0-3months
0
0
3-6months
7323,372 shares
$22.1M
0
6-9months
256,556 shares
$4.1M
0
9-12months
455,075 shares
$4.0M
0
3 disclosures without share count
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