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Synchrony Financial SYF

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74.75 USD -0.43 (-0.57%)

Nov 4, 2026, 2:59 PM EST

71.57 Day range 76.61
63.08 52-week range 88.77
YTD
-10.40%
1 year
+1.98%

Financial health

Altman Z-Score

0.87 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 2
  • P/E 4
  • P/B 2

Valuation

P/E 8.9×
FY 2016: 13.4×FY 2017: 15.9×FY 2018: 6.2×FY 2019: 6.4×FY 2020: 15.2×FY 2021: 6.3×FY 2022: 5.3×FY 2023: 7.3×FY 2024: 7.5×FY 2025: 8.9×
FY 2016 5y median 7.3× FY 2025
P/S 1.6×
FY 2016: 2.5×FY 2017: 2.2×FY 2018: 1.1×FY 2019: 1.5×FY 2020: 1.6×FY 2021: 2.3×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.6×
FY 2016 5y median 1.2× FY 2025
P/B 1.8×
FY 2016: 2.1×FY 2017: 2.2×FY 2018: 1.2×FY 2019: 1.6×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.6×FY 2025: 1.8×
FY 2016 5y median 1.6× FY 2025
P/FCF 3.0×
FY 2016: 4.4×FY 2017: 3.4×FY 2018: 1.9×FY 2019: 2.7×FY 2020: 2.7×FY 2021: 3.7×FY 2022: 2.4×FY 2023: 1.9×FY 2024: 2.6×FY 2025: 3.0×
FY 2016 5y median 2.6× FY 2025
EV/EBITDA 5.9×
FY 2016: 10.8×FY 2017: 11.2×FY 2018: 8.1×FY 2019: 6.1×FY 2020: 11.3×FY 2021: 5.5×FY 2022: 4.5×FY 2023: 5.3×FY 2024: 5.3×FY 2025: 5.9×
FY 2016 5y median 5.3× FY 2025
EV/Sales 1.6×
FY 2016: 3.3×FY 2017: 2.9×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 1.9×FY 2021: 2.9×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.3×FY 2025: 1.6×
FY 2016 5y median 1.5× FY 2025
FCF Yield 33.0%
FY 2016: 22.7%FY 2017: 29.0%FY 2018: 53.6%FY 2019: 37.3%FY 2020: 36.6%FY 2021: 27.1%FY 2022: 42.4%FY 2023: 53.4%FY 2024: 38.2%FY 2025: 33.0%
FY 2016 5y median 38.2% FY 2025

Profitability

Gross Margin 51.0%
FY 2016: 57.2%FY 2017: 51.4%FY 2018: 51.1%FY 2019: 58.5%FY 2020: 45.6%FY 2021: 84.3%FY 2022: 62.9%FY 2023: 44.2%FY 2024: 45.2%FY 2025: 51.0%
FY 2016 5y median 51.0% FY 2025
Operating Margin 24.2%
FY 2016: 29.2%FY 2017: 24.2%FY 2018: 24.0%FY 2019: 31.3%FY 2020: 14.0%FY 2021: 49.0%FY 2022: 30.0%FY 2023: 16.7%FY 2024: 21.9%FY 2025: 24.2%
FY 2016 5y median 24.2% FY 2025
Net Margin 18.6%
FY 2016: 18.4%FY 2017: 14.1%FY 2018: 18.4%FY 2019: 24.0%FY 2020: 10.8%FY 2021: 37.6%FY 2022: 22.9%FY 2023: 12.9%FY 2024: 16.9%FY 2025: 18.6%
FY 2016 5y median 18.6% FY 2025
ROE 21.2%
FY 2016: 15.9%FY 2017: 13.6%FY 2018: 19.0%FY 2019: 24.8%FY 2020: 10.9%FY 2021: 30.9%FY 2022: 23.4%FY 2023: 16.1%FY 2024: 21.1%FY 2025: 21.2%
FY 2016 5y median 21.2% FY 2025
ROIC 9.4%
FY 2016: 6.6%FY 2017: 5.5%FY 2018: 7.2%FY 2019: 10.7%FY 2020: 4.9%FY 2021: 15.0%FY 2022: 11.1%FY 2023: 6.2%FY 2024: 9.4%FY 2025: 9.4%
FY 2016 5y median 9.4% FY 2025
ROA 3.0%
FY 2016: 2.5%FY 2017: 2.0%FY 2018: 2.6%FY 2019: 3.6%FY 2020: 1.4%FY 2021: 4.4%FY 2022: 2.9%FY 2023: 1.9%FY 2024: 2.9%FY 2025: 3.0%
FY 2016 5y median 2.9% FY 2025

Growth (YoY)

Revenue -7.9%
FY 2016: 12.3%FY 2017: 12.6%FY 2018: 10.1%FY 2019: 3.0%FY 2020: -17.8%FY 2021: -12.5%FY 2022: 17.6%FY 2023: 31.4%FY 2024: 19.7%FY 2025: -7.9%
FY 2016 FY 2025
Operating Income 1.5%
FY 2016: 1.1%FY 2017: -6.9%FY 2018: 9.6%FY 2019: 34.1%FY 2020: -63.2%FY 2021: 206.2%FY 2022: -28.0%FY 2023: -26.7%FY 2024: 56.8%FY 2025: 1.5%
FY 2016 FY 2025
EPS (diluted) 8.7%
FY 2016: 2.3%FY 2017: -10.7%FY 2018: 54.5%FY 2019: 48.7%FY 2020: -59.2%FY 2021: 223.3%FY 2022: -16.2%FY 2023: -15.6%FY 2024: 64.7%FY 2025: 8.7%
FY 2016 FY 2025
Free Cash Flow 0.0%
FY 2016: 10.3%FY 2017: 30.7%FY 2018: 4.8%FY 2019: -3.8%FY 2020: -16.7%FY 2021: -5.2%FY 2022: -5.7%FY 2023: 28.4%FY 2024: 14.6%FY 2025: 0.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: 2.9×FY 2017: 2.6×FY 2018: 3.7×FY 2019: 1.5×FY 2020: 1.9×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 1.1×
FY 2016: 2.9×FY 2017: 2.4×FY 2018: 1.9×FY 2019: 2.1×FY 2020: 1.1×FY 2021: 5.3×FY 2022: 2.6×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 1.7%
FY 2016: 0.7%FY 2017: 1.5%FY 2018: 3.1%FY 2019: 2.4%FY 2020: 2.7%FY 2021: 2.1%FY 2022: 3.0%FY 2023: 2.8%FY 2024: 1.8%FY 2025: 1.7%
FY 2016 5y median 2.1% FY 2025
Payout Ratio 14.4%
FY 2016: 9.5%FY 2017: 23.0%FY 2018: 19.1%FY 2019: 15.5%FY 2020: 40.6%FY 2021: 12.8%FY 2022: 15.8%FY 2023: 20.0%FY 2024: 13.4%FY 2025: 14.4%
FY 2016 5y median 14.4% FY 2025

Annual · latest fiscal year ends 2025-12-31