# Synchrony Financial - Synchrony Financial Common Stock (SYF)

Stock code SYF · Yahoo ticker SYF · Sector: Financial Services

Overall fundamentals score: 69/100 (Okay). Top 14% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 88/100 | Strong |
| Financial Safety | N/A | N/A |
| Cash & Dividends | 50/100 | Okay |
| Price Fairness | 83/100 | Strong |
| Risk | 75/100 | Okay |

## Every measure

Synchrony Financial (SYF): Overall score: 69/100 (Okay)

Business Strength: 88/100 (Strong)
Return on Equity (ROE) 20% - Strong
4-Year Revenue Growth +3%/yr - Okay
4-Year Profit Growth +14%/yr - Strong
Net Profit Margin 22% - Strong

Cash & Dividends: 50/100 (Okay)
Dividend Quality 2% - Weak
Operating Cash Flow Positive & growing - Strong

Price Fairness: 83/100 (Strong)
P/E Ratio 7.4× - Strong
P/B Ratio 1.5× - Okay
PEG Ratio 0.5 - Strong

Risk: 75/100 (Okay)
Earnings Consistency Steady - Strong
Debt Trend (4yr) Stable - Okay
Share Count Trend (4yr) -7%/yr - Strong
Asset Turnover Trend (4yr) +5.8% - Okay

## Common questions

### What is Synchrony Financial's fundamentals score?

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.

### Which pillar is Synchrony Financial strongest and weakest on?

Its strongest pillar is Business Strength (88/100); its weakest is Cash & Dividends (50/100).

### How does Synchrony Financial rank against its sector?

Synchrony Financial ranks #17 of 56 scored Financial Services stocks on Score Your Stock.

### Does Synchrony Financial pay dividends?

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.

### How do I buy Synchrony Financial shares?

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.

### How is this score calculated?

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.

### What is Synchrony Financial (SYF), in plain English?

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

Market data as of 31 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/us/syf-synchrony-financial
Educational tool, not investment advice. Data isn't real-time.