Stock Research: Synchrony Financial

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Synchrony Financial

NYQ:SYF US87165B1035
43
  • Value
    37
  • Growth
    61
  • Safety
    Safety
    83
  • Combined
    29
  • Sentiment
    85
  • 360° View
    360° View
    43
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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: With an Obermatt 360° View of 43 (better than 43% compared with alternatives), overall professional sentiment and financial characteristics for the stock Synchrony Financial are below the industry average. The 360° View is based on consolidating four consolidated indicators, with all but one indicator above average for Synchrony Financial. The consolidated Growth Rank has a good rank of 61, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. This means that growth is higher than for 61% of competitors in the same industry. The consolidated Safety Rank at 83 means that the company has a financing structure that is safer than 83% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a good rank of 85, which means that professional investors are more optimistic about the stock than for 85% of alternative investment opportunities. But the consolidated Value Rank is less desirable at 37, meaning that the share price of Synchrony Financial is on the higher side compared with indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 63% of alternative stocks in the same industry. ...read more

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S&P 500
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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: 9-Apr-2026.

Make Sense of the Ranks

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.

Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
37 77 91 83
Growth
61 51 49 33
Safety
Safety
83 83 83 4
Sentiment
85 61 17 47
360° View
360° View
43 93 85 25
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Metrics Current 2025 2024 2023
Analyst Opinions
71 64 34 62
Opinions Change
50 91 47 8
Pro Holdings
n/a 55 30 65
Market Pulse
45 22 28 48
Sentiment
85 61 17 47
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Metrics Current 2025 2024 2023
Value
37 77 91 83
Growth
61 51 49 33
Safety Safety
83 83 83 4
Combined
29 88 98 19
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
47 75 82 73
Price vs. Earnings (P/E)
50 87 87 71
Price vs. Book (P/B)
41 63 73 59
Dividend Yield
63 55 67 67
Value
37 77 91 83
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Metrics Current 2025 2024 2023
Revenue Growth
30 47 73 41
Profit Growth
94 7 19 92
Capital Growth
15 90 37 11
Stock Returns
83 77 49 41
Growth
61 51 49 33
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Metrics Current 2025 2024 2023
Leverage
68 86 90 8
Refinancing
51 73 47 40
Liquidity
55 43 40 25
Safety Safety
83 83 83 4

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Frequently Asked
Questions

This stock offers a high growth opportunity with safe financing and positive sentiment. It is typically expensive (low Value Rank), as investors pay a premium for high performance. It is for growth-focused investors comfortable paying a premium for a stock with strong future momentum.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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