# Synchrony Financial (SYF) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Consumer Lending. Price $75.18, market value $24.5 billion.

## Valuation
- **P/E (trailing): 7.8×** (5-yr avg 6.8×, 3-yr avg 7.8×). Synchrony Financial trades at 7.8× trailing earnings, close to its own five-year average of 6.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.84**. A PEG of 0.84 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 12.7%**. The inverse of the P/E: 12.7% of the price is earned each year.

## Profitability
- **Return on equity: 21.2%**. 21.2% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.

## Growth
- **EPS growth (1 yr): 8.5%** (3-yr 14.7%/yr, 5-yr 32.5%/yr). Earnings per share rose 8.5%.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $15.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.81%** ($1.24 per share, trailing). Synchrony Financial yields 1.81%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 12%**. 12% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.5%/yr** (1-yr 15.0%). The dividend has grown 5.5% a year over five years.
- **Shareholder yield: 17.5%**. Dividends plus net buybacks return 17.5% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (23 analysts). 23 analysts cover Synchrony Financial; the consensus is buy, with an average price target of $86.78 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 4.5%** (YTD -7.2%, 3-mo -1.3%). The shares are up 4.5% over twelve months including dividends.
- **From 52-week high: -15.3%** (19.2% above the low). Trading 15% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 1.20** (volatility 31%). Beta of 1.20 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SYF · Page: https://foliofundamentals.com/stocks/syf

Not investment advice.