Score Your Stock

US stock · figures in US dollars · scored on full-year results

Synchrony Financial Synchrony Financial Common Stock

SYF · Financial Services · Credit Services
Top 14% of scored stocks
OkayTop 14% of scored stocks
Limited Data

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.

Best
Business 88
Weakest
Cash 50
  • Carries a Limited Data flag

An inexpensively priced stock, but cash & dividends needs attention.

Mkt capUS$ 24.5b#364 of 503 in the S&P 500EPSUS$ 9.58P/E7.4×✓ vs sector median 15.7×P/B1.5×✓ vs sector median 2.7×Div yield2%✓ Top 44% in the S&P 50052w range · 48% of range63.0888.77
as of 31 Oct 2026

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

88
Why 88?
Pillar score: (2 + 1 + 2 + 2) = 7 of 8 points → 88 · 1 N/A skipped
Return on Equity (ROE)20%Strong4-Year Revenue Growth+3%/yrOkay4-Year Profit Growth+14%/yrStrongNet Profit Margin22%Strong

No data: Quarterly Momentum

Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +48.9%Equity ↑ +19%ROE % 20.1%
Net ProfitEquityROE %
2.2b3.5b3.6b3.3b13.9b16.6b16.8b16.6b202320242025TTM16.1%21.1%21.2%20.1%

Revenue & Net Profit, with Net Margin

Revenue ↑ +10.3%Net Profit ↑ +48.9%Net Margin % 22.2%
RevenueNet ProfitNet Margin %
13.6b15.1b15.0b15.0b2.2b3.5b3.6b3.3b202320242025TTM16.4%23.2%23.7%22.2%

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)

Revenue → +1.9%Net Profit ↓ -8.5%Net Margin % 23.8%
RevenueNet ProfitNet Margin %
3.6b3.8b3.8b3.7b3.7b967m1.1b751m805m885mQ2'25Q3'25Q4'25Q1'26Q2'2626.5%28.2%19.8%21.8%23.8%
▼

Sales have stayed roughly flat over the last 5 quarters.

Profit has moved sideways over the last 5 quarters.

Financial Safety

N/A
Why 50?
Pillar score: (0 + 2) = 2 of 4 points → 50 · 2 N/A skipped
Dividend Quality2%Weak
Payout ratio: 15%
Operating Cash FlowPositive & growingStrong

No data: Free Cash Flow · Cash & Cash Equivalents

Show 2 charts

Cash vs Total Debt

Cash ↑ +11.5%Total Debt ↑ +6.5%
CashTotal Debt
14.3b14.7b15.0b15.9b16.0b15.5b15.2b17.0b202320242025TTM

Dividends per Share, with Yield

DPS (cents) ↑ +27.8%Yield % 1.7%
DPS (cents)Yield %
222223232525303030909610011520222023202420252.8%3.2%2.1%1.7%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 83?
Pillar score: (2 + 1 + 2) = 5 of 6 points → 83
P/E Ratio7.4×StrongP/B Ratio1.5×OkayPEG Ratio0.5Strong
Show chart

Share Price: Weekly Closes (not part of the score)

US$ 85.82US$ 74.53US$ 63.25Oct '25Feb '26Jun '26Oct '26

The share price has been roughly flat over the past year.

Why 75?
Pillar score: (2 + 1 + 2 + 1) = 6 of 8 points → 75 · 2 N/A skipped
Earnings ConsistencySteadyStrongDebt Trend (4yr)StableOkayShare Count Trend (4yr)-7%/yrStrongAsset Turnover Trend (4yr)+5.8%Okay

No data: Inventory vs Sales (4yr) · Quarterly Consistency

Ranks #17 of 56 in Financial Services by score

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 YearRevenueNet ProfitOperating Cash FlowCashTotal DebtEquityTotal AssetsTotal LiabilitiesDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityDividend Payout RatioDiv yieldP/E RatioP/B RatioPEG Ratio
2026US$ 15.0bUS$ 3.3bUS$ 9.6bUS$ 15.9bUS$ 17.0bUS$ 16.6bUS$ 122.5bUS$ 105.9b-20%22%1.0×15%----
2025US$ 15.0bUS$ 3.6bUS$ 9.9bUS$ 15.0bUS$ 15.2bUS$ 16.8bUS$ 119.1bUS$ 102.3bUS$ 115.0m21%24%0.9×14%1%8.2×1.7×1.5
2024US$ 15.1bUS$ 3.5bUS$ 9.8bUS$ 14.7bUS$ 15.5bUS$ 16.6bUS$ 119.5bUS$ 102.9bUS$ 100.0m21%23%0.9×13%2%7.2×1.5×-
2023US$ 13.6bUS$ 2.2bUS$ 8.6bUS$ 14.3bUS$ 16.0bUS$ 13.9bUS$ 117.5bUS$ 103.6bUS$ 96.0m16%16%1.2×20%3%6.6×1.1×0.4