SYF$77.7
$77.76
Chart
Performance
Key Stats
AI SYF Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuySynchrony Financial shows strong fundamental performance with solid profitability and a stable balance sheet. Thematic tailwinds in consumer finance are positive, but current technical indicators suggest a neutral to slightly cautious short-term outlook.
Thematic
Synchrony Financial is a major player in consumer financing, benefiting from trends in retail spending and credit access. However, it faces competition and evolving regulatory landscapes.
Fundamental
Synchrony Financial demonstrates strong revenue and earnings growth, healthy profitability margins, and a manageable debt level with ample liquidity.
Technical
The stock is trading below key short-term moving averages, with RSI indicating a neutral to slightly oversold condition. Immediate resistance levels may cap upside.
| Factor | Score |
|---|---|
| Consumer Spending Trends | 80 |
| Digital Transformation in Finance | 75 |
| Regulatory Environment (Financial Services) | 50 |
| Interest Rate Sensitivity | 65 |
| Competitive Landscape | 70 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 85 |
| Growth | 75 |
| Balance Sheet Health | 70 |
| Cash Flow | 80 |
| Dividends | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 50 |
| Momentum | 60 |
| Support & Resistance | 65 |
| Volume | 70 |
| Market Cap | 80 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Strong Earnings Growth & Beat
Recent quarterly EPS (Q2 2025) beat estimates by 12.99% ($1.89 reported vs. $1.67 estimate), and EPS TTM (Trailing Twelve Months) is $8.23, indicating consistent profitability.
Attractive P/E Ratio
The P/E ratio (TTM) is 8.725, which is considered low for the financial services sector, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
Potential Overvaluation (Quarterly P/E)
Some quarterly P/E ratios (e.g., Q1 2025 at 25.9, Q2 2024 at 41.6) appear high compared to the TTM P/E, suggesting potential short-term overvaluation based on quarterly performance.
Slowing Quarterly Net Margin
The net margin has decreased from 41.4% in 2021 to 20.4% in Q1 2025, indicating potential pressure on profitability as revenue grows.
Calendar
May 2025
15
Next Dividend Date
August 2025
5
Ex-Dividend Date
October 2025
15
Next Earnings Date
H: $2.45
A: $2.17
L: $1.82
H: 3.87B
A: 3.80B
L: 3.64B
Profile
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Seasonals
Price Target
79.67 USD
The 39 analysts offering 1 year price forecasts for SYF have a max estimate of 100.00 and a min estimate of 60.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor in private label and co-branded credit cards, with a similar business model focused on retail partnerships and consumer financing.
Weight: 90
Major credit card issuer and consumer lender, competes directly in co-branded card programs and general purpose credit cards.
Weight: 88
Integrated credit card issuer and payment network, direct competitor in consumer credit and payment solutions, particularly unsecured loans.
Weight: 85
Issuer of proprietary credit cards and a payment network, competes for consumer spending and loyalty in the premium segment, and merchant partnerships.