Synchrony Financial (SYF) Stock Score, Valuation & Financial Research
Synchrony Financial is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 69/100.
Quick answer for SYF
Synchrony Financial currently has a Wall Street Score of 69/100. The stored market price is $76.06. Its financial score is 39/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What Synchrony Financial does
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. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile,
SYF financial snapshot
- Wall Street Score:
- 69/100
- Current price:
- $76.06
- Market capitalization:
- $24.75B
- Revenue:
- $19.90B
- Net income:
- $3.52B
- Free cash flow:
- $9.85B
- Cash:
- $16.19B
- Total debt:
- $16.43B
- EPS:
- 9.35
- P/E ratio:
- 8.1x
- Financial score:
- 39/100
- Valuation score:
- 100/100
- Revenue score:
- 39/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $9.85B, showing positive cash generation.
- The balance sheet shows $16.19B of cash versus $16.43B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 39/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research SYF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.