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Synchrony Financial

SYF-PB • Financial - Credit Services
$73.36
— 0.00 (0.00%)
Current price
EarningsLatest report: Jun 30, 2026
HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$24.82B
Growth
12.8%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 18.6%Positive revenue growth · 28.0%Positive free cash flow · 27.53Consistent free cash flow · 5/5Reasonable earnings multiple · 8.41
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Oct 20, 2026, 12:09 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$73.36
Change0.00%
Shares Out334.10M
Market Cap$24.82B
Enterprise Value$25.06B
52W Range24.93 - 26.73
Beta1.31
P/E7.06
P/S1.25
P/B1.47
P/FCF2.56
EV/Sales1.26

Investment DNA

How strong this company looks for long-term investors

84
out of 100
Business Quality
Margins, moat, returns
84/100
Financial Strength
Debt, cash, stability
32/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
93/100
Why this score▼
Stable or improving margins · 18.6%Positive revenue growth · 28.0%Positive free cash flow · 27.53Consistent free cash flow · 5/5Reasonable earnings multiple · 8.41Weak liquidity · 0.21

Analyst view

Analyst sentiment and price target

SYF
Analyst sentiment
Based on 41 analyst votes · 2026-10-19
79/100
Bullish
Bullish
25
Hold
15
Bearish
1
Price Target
2026-07-24
Low
$80.00
Mean
$89.42
Median
$89.00
High
$104.00

Company Overview

IPO: 2/16/2024
Industry: Financial - Credit Services
P/B i: 1.47
Debt / Equity i: 0.91
Operating Margin: 24.17%
Net Margin: 18.58%
ROE i: -
ROIC: -

Financial Health

Score6 / 20
Debt / Equity: 0.91
Current Ratio: 0.21
Quick Ratio: 0.21
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

COVIELLO ARTHUR W JR
Transaction: 06/30/2026
BUY
Change
+789
Price
$76.05
Filing
07/02/2026
Type
BUY
GUTHRIE ROY A
Transaction: 06/30/2026
BUY
Change
+789
Price
$76.05
Filing
07/02/2026
Type
BUY
NAYLOR JEFFREY G
Transaction: 06/30/2026
BUY
Change
+1,200
Price
$76.05
Filing
07/02/2026
Type
BUY