Synchrony Financial
Company & revenue
About Synchrony Financial
Who they are
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts.
Detailed revenue, brand and relationship research has not yet been completed for SYF.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
69
Fair
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Company Quality
How good is the actual business—regardless of today’s stock price?
68
Fair
Financial Strength
51
Business Quality / Moat
97
Management
92
Growth Quality
24
Risk / Durability
62
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
68
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
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Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for SYF
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving SYF's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is SYF's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does SYF's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is SYF's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
69
Opportunity Score
68
Market Cap
$23.35B
P/E Ratio
7.2
EPS
$9.86
52-Week High
$88.77
52-Week Low
$63.08
Beta
1.31
Intrinsic Value
$343.17
Analyst Target
$87.50
Shares Outstanding
357.8M
Total Debt
$16.43B
Dividend Yield
1.85%
Liquidation Value / Share
$47.22
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for SYF
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~1.1x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on SYF.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Product opportunity: Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of de.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
Score changes will appear once more historical records are available.
Price vs. Value
UndervaluedCurrent Price
$71.77
Intrinsic Value
$343.17
Difference
−$271.40
-79.1% vs IV
Margin of Safety
79.1%
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