US stock · figures in US dollars · scored on full-year results
Synchrony Financial Synchrony Financial Common Stock
Synchrony Financial scores 69/100 on fundamentals: in the top 14% of 503 scored S&P 500 stocks. Its strongest area is Business Strength (88/100); its weakest is Cash & Dividends (50/100). It carries 1 warning flag: Limited Data.
- Carries a Limited Data flag
An inexpensively priced stock, but cash & dividends needs attention.
Nearby peers
Ranks #17 of 56 in Financial Services by score
One-Minute Summary
Why Synchrony Financial scores 69
An inexpensively priced stock, but cash & dividends needs attention.
Business Strength
88Why 88?
No data: Quarterly Momentum
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 10.3% over 4 years: customers keep spending more with this company.
Profit climbed about 48.9% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales have stayed roughly flat over the last 5 quarters.
Profit has moved sideways over the last 5 quarters.
Financial Safety
N/ACash & DividendsLowest pillar
50Why 50?
No data: Free Cash Flow · Cash & Cash Equivalents
Show 2 charts
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price Fairness
83Why 83?
Show chart
Share Price: Weekly Closes (not part of the score)
The share price has been roughly flat over the past year.
Risk
75Why 75?
No data: Inventory vs Sales (4yr) · Quarterly Consistency
Sector peers
Synchrony Financial (SYF) scores 69/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 14% of 503 scored S&P 500 stocks.
Its strongest pillar is Business Strength (88/100); its weakest is Cash & Dividends (50/100).
Synchrony Financial ranks #17 of 56 scored Financial Services stocks on Score Your Stock.
Yes. Synchrony Financial (SYF) has a dividend yield of 1.7%, from dividends with an ex-date in the last 12 months. It pays out 15% of its profit as dividends. Its Cash & Dividends pillar scores 50/100.
From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy SYF. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Synchrony Financial (SYF) is a Financial Services company (Credit Services). On Score Your Stock's fundamentals check, it scores 69/100, rated Okay. Its biggest strength is Business Strength (88/100); its main watch-out is Cash & Dividends (50/100). Shares currently cost about 7 years of its current profit to buy (P/E 7.3×). It also pays back about 1.6% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/syf-synchrony-financial
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Cash | Total Debt | Equity | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | US$ 15.0b | US$ 3.3b | US$ 9.6b | US$ 15.9b | US$ 17.0b | US$ 16.6b | US$ 122.5b | US$ 105.9b | - | 20% | 22% | 1.0× | 15% | - | - | - | - |
| 2025 | US$ 15.0b | US$ 3.6b | US$ 9.9b | US$ 15.0b | US$ 15.2b | US$ 16.8b | US$ 119.1b | US$ 102.3b | US$ 115.0m | 21% | 24% | 0.9× | 14% | 1% | 8.2× | 1.7× | 1.5 |
| 2024 | US$ 15.1b | US$ 3.5b | US$ 9.8b | US$ 14.7b | US$ 15.5b | US$ 16.6b | US$ 119.5b | US$ 102.9b | US$ 100.0m | 21% | 23% | 0.9× | 13% | 2% | 7.2× | 1.5× | - |
| 2023 | US$ 13.6b | US$ 2.2b | US$ 8.6b | US$ 14.3b | US$ 16.0b | US$ 13.9b | US$ 117.5b | US$ 103.6b | US$ 96.0m | 16% | 16% | 1.2× | 20% | 3% | 6.6× | 1.1× | 0.4 |