Stock Research: Synchrony Financial

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Synchrony Financial

NYSE:SYF US87165B1035
77
  • Value
    100
  • Growth
    31
  • Safety
    Safety
    44
  • Combined
    72
  • Sentiment
    70
  • 360° View
    360° View
    77
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Company Description

Synchrony Financial provides consumer financial services with a focus on digital product suites. It offers credit products through financing programs with retailers, manufacturers, and healthcare providers. It primarily operates in the Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle sales platforms. In the last fiscal year, the company had a market cap of $26,098 million and 20,000 employees. Financials for profits and revenue are unavailable.

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Analysis

ANALYSIS: With an Obermatt 360° View of 77 (better than 77% compared with alternatives) for 2025, overall professional sentiment and financial characteristics for the stock Synchrony Financial are very positive. The 360° View is based on consolidating four consolidated indicators, with half below and half above average for Synchrony Financial. The consolidated Sentiment Rank has a good rank of 70, which means that professional investors are more optimistic about the stock than for 70% of alternative investment opportunities. It also rates well regarding its financing structure, with the consolidated Safety Rank at 100 or better than 100% of its peers when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. But the stock is expensive and expects low growth. The consolidated Value Rank is only 44, meaning that the share price of Synchrony Financial is on the high side, compared with indicators such as revenues, profits, and invested capital. The company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth,and stock returns, with its Growth Rank at 31. ...read more

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Index
Customer Focus US
Employee Focus US
Diversity USA
S&P 500
The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Nov-2025.

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The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

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Metrics Current 2024 2023 2022
Value
44 77 91 83
Growth
31 51 49 33
Safety
Safety
100 83 83 4
Sentiment
70 61 17 47
360° View
360° View
77 93 85 25
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Metrics Current 2024 2023 2022
Analyst Opinions
63 64 34 62
Opinions Change
95 91 47 8
Pro Holdings
n/a 55 30 65
Market Pulse
31 22 28 48
Sentiment
70 61 17 47
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Metrics Current 2024 2023 2022
Value
44 77 91 83
Growth
31 51 49 33
Safety Safety
100 83 83 4
Combined
72 88 98 19
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
55 87 87 71
Price vs. Earnings (P/E)
63 75 82 73
Price vs. Book (P/B)
52 63 73 59
Dividend Yield
54 55 67 67
Value
44 77 91 83
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Metrics Current 2024 2023 2022
Revenue Growth
1 47 73 41
Profit Growth
28 7 19 92
Capital Growth
91 90 37 11
Stock Returns
69 77 49 41
Growth
31 51 49 33
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Metrics Current 2024 2023 2022
Leverage
90 86 90 8
Refinancing
84 73 47 40
Liquidity
38 43 40 25
Safety Safety
100 83 83 4

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