Synchrony Financial SYF
Financial Services · Credit Services · United States · S&P 500
Based on the available data, Synchrony Financial gets an algorithmic score of 63/100. It trades at 71.72 $, with a sideways/transition technical trend (RSI 37.2) and 31.9% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (20.8%): generates strong profit on equity.
- High net margin (35.5%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (42.2%).
- Low valuation (P/E 6.9).
Weaknesses
- High beta (1.43): amplifies index moves.
Fundamentals
| P/E | 7.33 |
| Forward P/E | 6.86 |
| PEG | 0.88 |
| P/B | 1.54 |
| P/S | 2.36 |
| ROE % | 20.79 |
| ROA % | 2.90 |
| Gross margin % | 0.00 |
| Operating margin % | 50.22 |
| Net margin % | 35.51 |
| Revenue growth % (y/y) | 0.60 |
| Earnings growth % (y/y) | 3.60 |
| Revenue CAGR % | 8.67 |
| Earnings CAGR % | 5.60 |
| FCF yield % | 42.21 |
| Dividend yield % | 1.90 |
| Payout % | 12.31 |
Returns
| 1 month | -8.1 % |
| 3 months | -5.3 % |
| 6 months | +9.6 % |
| YTD | -14.2 % |
| 1 year | -2.2 % |
| 3 years | +142.9 % |
| 5 years | +68.6 % |
Risk
| 1-year volatility | 31.9 % |
| Beta | 1.43 |
| 5-year max drawdown | -46.6 % |
| Sharpe 1A | -0.03 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.