Synchrony Financial (SYF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Synchrony Financial stock (SYF) is currently trading at $67.63. Synchrony Financial PE ratio is 7.25. Synchrony Financial PS ratio (Price-to-Sales) is 2.48. Analyst consensus price target for SYF is $89.22. WallStSmart rates SYF as Moderate Buy.
- SYF PE ratio analysis and historical PE chart
- SYF PS ratio (Price-to-Sales) history and trend
- SYF intrinsic value — DCF, Graham Number, EPV models
- SYF stock price prediction 2025 2026 2027 2028 2029 2030
- SYF fair value vs current price
- SYF insider transactions and insider buying
- Is SYF undervalued or overvalued?
- Synchrony Financial financial analysis — revenue, earnings, cash flow
- SYF Piotroski F-Score and Altman Z-Score
- SYF analyst price target and Smart Rating
Synchrony Financial
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SYF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Synchrony Financial (SYF)
SYF trades at a significant discount to its Graham intrinsic value of $178.92, offering a 59% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Synchrony Financial (SYF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, operating margin. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
Synchrony Financial (SYF) Key Strengths (6)
Keeps $49 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
107.25% of shares held by major funds and institutions
Large-cap company with substantial market presence
Every $100 of equity generates $21 in profit
Trading at 1.48x book value, attractively priced
Supporting Valuation Data
Synchrony Financial (SYF) Areas to Watch (4)
Very expensive relative to growth, significant premium
Modest revenue growth at 5.00%
Modest earnings growth at 7.80%
Revenue is fairly priced at 2.48x sales
Synchrony Financial (SYF) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.48) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 21.30%, Operating Margin at 48.50%, Profit Margin at 36.40%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, EPS Growth. Some valuation metrics including PEG Ratio (3.27), Price/Sales (2.48) suggest expensive pricing. Growth concerns include Revenue Growth at 5.00%, EPS Growth at 7.80%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 21.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 5.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SYF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SYF's Price-to-Sales ratio of 2.48x sits near its historical average of 2.46x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 2.55x set in Mar 2026, and 5% above its historical low of 2.36x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Synchrony Financial (SYF) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Synchrony Financial is a strong growth company balancing expansion with improving profitability. Revenue reached 9.8B with 500% growth year-over-year. Profit margins are strong at 36.4%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 500% YoY, reaching 9.8B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 2130.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Synchrony Financial maintain 500%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Synchrony Financial.
Bottom Line
Synchrony Financial offers an attractive blend of growth (500% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Synchrony Financial(SYF)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.