Synchrony (SYF) Stock Analysis
NYQ · Financial Services · Credit Services
$71.69
-1.25 (-1.71%)
SYF Interactive Price Chart & Trading Signals
SYF Stock Snapshot — Valuation, Risk & Technical Signals
SYF Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$23.33B
P/E Ratio
7.35
Forward P/E
6.86
PEG Ratio
0.89
P/B Ratio
1.53
EPS
$9.75
Dividend Yield
1.86%
52W Range
$63.08 – $88.77
Beta
1.31
Volume
0.5M
ROE
20.8%
Profit Margin
35.5%
Revenue Growth
0.6%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$89.43
The trailing price-to-earnings ratio stands at 7.4x. Forward P/E of 6.9x implies earnings expansion expected. Price-to-book is 1.53x. Market capitalization is $23.33B. Revenue is growing at 0.6% on a trailing basis. Earnings are expanding at 3.6%. Profit margins are 35.5%. Return on equity is 20.8%. Beta of 1.31 indicates elevated market sensitivity.
Analyst Consensus
Recommendation
Buy
Low Target
$78.00
Mean Target
$89.43
High Target
$104.00
Based on 23 analysts
About Synchrony
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.
SYF Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Quality-focused portfoliosWatch out for
High volatilityNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Synchrony Financial (SYF) trades below our multi-model fair value estimate of $155.82 by approximately 117.3%. Trailing P/E: 7.4x. Profitability signals include profit margin of 35.5% and return on equity of 20.8%. Recent growth metrics show revenue growth of 0.6% and earnings growth of 3.6%. Risk profile: elevated market beta of 1.31. Consensus: buy.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 7.4x
Price sits below our estimate of fair value.
Growth
Stable
Rev 0.6%
Revenue is moving sideways.
Risk
Elevated
Beta 1.31
Expect bigger swings than the market.
Valuation Snapshot
Synchrony Financial (SYF) trades below our multi-model fair value estimate of $155.82 by approximately 117.3%. The trailing price-to-earnings ratio stands at 7.4x. Forward P/E of 6.9x indicates stable forward expectations. Price-to-sales is 2.4x. Price-to-book is 1.5x. Market capitalization is $23.33B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 0.6% on a trailing basis. Earnings are expanding at 3.6%. Profit margins are 35.5%. Return on equity is 20.8%. Return on assets is 2.9%.
Why it matters: Stable revenue is fine, but watch for margin pressure that could limit profit growth.
Risk Profile
Beta of 1.31 indicates elevated market sensitivity. Net debt position is $239.00M.
Why it matters: A riskier stock can fall more in a downturn. Make sure your portfolio can handle the volatility.
Analyst Context
Analyst consensus target of $89.43 implies 24.8% upside. Target range spans $78.00 to $104.00. 23 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The margin of safety exists but elevated volatility may require a higher risk tolerance. Free cash flow yield of 42.2% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
SYF Undervalued
Synchrony Financial (SYF) trades below our multi-model fair value estimate of $155.82 by approximately 117.3%.
Frequently Asked Questions
ValuationIs SYF stock overvalued right now?
ValuationWhat is SYF fair value based on current fundamentals?
RiskHow risky is SYF compared with other stocks?
GrowthIs SYF still growing?
AnalystWhat do analysts think about SYF?
DividendDoes SYF pay a dividend?
CatalystWhat could change the investment case for SYF?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.