Synchrony Financial

Valuation Analysis

About the Company

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under

Synchrony Financial Stock at a Glance

Synchrony Financial (SYF) is currently trading at $73.36 with a market capitalization of $24.7B. The trailing P/E ratio stands at 7.59x, with a forward P/E of 6.99x. The 52-week range spans from $60.01 to $88.77; the current price is 17.4% below the yearly high. Year-over-year revenue growth stands at +6.1%. The net profit margin stands at 36.39%.

💰 Dividend

Synchrony Financial pays an annual dividend of $1.20 per share, representing a yield of 1.64%. The payout ratio stands at 12.42%.

📊 Analyst Rating

23 analysts rate Synchrony Financial (SYF) on consensus: Buy. The average price target is $89.22, implying +21.62% from the current price. Analyst price targets range from $77.00 to $103.00.

Synchrony Financial: The Investment Case in Detail

Synchrony Financial (SYF) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Wall Street consensus sits at Buy with an average price target implying roughly 21.62% upside from current levels — analyst sentiment is firmly constructive. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The analyst consensus price target implies 21.62% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

The price is in a transition zone relative to the moving averages — no clear signal.

Risk Profile

The data points to market-like volatility, elevated short interest (8.98%).

Trading Data

💵 Dividend Info

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