Stock Scorecard



Stock Summary for Synchrony Financial (SYF) - $66.65 as of 7/1/2025 4:19:55 PM EST

Total Score

15 out of 30

Safety Score

73 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for SYF

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for SYF

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for SYF

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for SYF

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for SYF (73 out of 100)

Stock Price Rating (Max of 10) 9
Historical Stock Price Rating (Max of 10) 8
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 8
Book Value to Price (Max of 10) 0
Analyst Buy Ratings (Max of 5) 5
Analyst Strong Buy Ratings (Max of 5) 5
Dividend Yield Percentage (Max of 10) 4
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 10
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Latest News for for SYF

Synchrony Partners With Sploot to Make Pet Healthcare More Affordable 6/25/2025 4:22:00 PM
SYF Joins Forces With Payzer to Streamline Home Improvement Financing 6/19/2025 1:48:00 PM
Blackstone Plans to Invest $500 Billion in Europe Over 10 Years 6/11/2025 1:58:00 PM
SYF Ties Up to Offer Two Credit Cards: Higher Net Interest Income Ahead? 6/10/2025 5:09:00 PM
Should Value Investors Buy Guild ( GHLD ) Stock? 6/10/2025 1:40:00 PM
Synchrony Financial Stock Is Moving Higher Monday: What's Going On? - Synchrony Financial ( NYSE:SYF ) 6/9/2025 7:32:00 PM
Synchrony Expands Credit Reach With New PayPal Credit Card 6/4/2025 4:55:00 PM
Synchrony & Jewelers Mutual Unite to Transform Jewelry Financing 5/29/2025 3:25:00 PM
Synchrony Jumps 9% in a Month: Time to Hold or Book Profits? 5/27/2025 4:10:00 PM
Why Synchrony's Partnership Extension With Discount Tire is Important 5/22/2025 1:26:00 PM

Financial Details for SYF

Company Overview

Ticker SYF
Company Name Synchrony Financial
Country USA
Description 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.
Sector Name FINANCE
Industry Name FINANCE SERVICES
Most Recent Quarter 3/31/2025
Next Earnings Date 7/22/2025

Stock Price History

Last Day Price 66.65
Price 4 Years Ago 42.58
Last Day Price Updated 7/1/2025 4:19:55 PM EST
Last Day Volume 3,572,701
Average Daily Volume 3,353,646
52-Week High 70.54
52-Week Low 40.32
Last Price to 52 Week Low 65.30%

Valuation Measures

Trailing PE 9.14
Industry PE 15.98
Sector PE 21.14
5-Year Average PE 12.66
Free Cash Flow Ratio 1.17
Industry Free Cash Flow Ratio 8.87
Sector Free Cash Flow Ratio 13.19
Current Ratio Most Recent Quarter 0.29
Total Cash Per Share 56.82
Book Value Per Share Most Recent Quarter 40.36
Price to Book Ratio 1.65
Industry Price to Book Ratio 3.57
Sector Price to Book Ratio 2.11
Price to Sales Ratio Twelve Trailing Months 2.92
Industry Price to Sales Ratio Twelve Trailing Months 5.12
Sector Price to Sales Ratio Twelve Trailing Months 3.23
Analyst Buy Ratings 9
Analyst Strong Buy Ratings 5

Share Statistics

Total Shares Outstanding 380,657,000
Market Capitalization 25,370,789,050
Institutional Ownership 102.28%

Dividends

Ex-Dividend Date 5/5/2025
Previous Dividend Amount 0.2500
Current Dividend Amount 0.3000
Total Years Dividend Increasing 3
Trailing Annual Dividend Rate 1.05
Trailing Annual Dividend Yield 1.60%
Forward Annual Dividend Rate 1.20
Forward Annual Dividend Yield 1.82%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 1.55%
5-Year Average Dividend Yield 2.28%
1-Year Dividend Growth Rate Percentage 20.00%
3-Year Dividend Growth Rate Percentage 9.54%
5-Year Dividend Growth Rate Percentage 8.06%
All-Time Dividend Growth Rate Percentage 8.64%
Dividend Payout Ratio 14.38%

Income Statement

Quarterly Earnings Growth YOY -39.80%
Annual Earnings Growth 56.34%
Reported EPS 12 Trailing Months 7.30
Reported EPS Past Year 1.89
Reported EPS Prior Year 6.58
Net Income Twelve Trailing Months 2,963,000,000
Net Income Past Year 3,499,000,000
Net Income Prior Year 2,238,000,000
Quarterly Revenue Growth YOY -23.60%
5-Year Revenue Growth 12.67%
Operating Margin Twelve Trailing Months 44.20%

Balance Sheet

Total Cash Most Recent Quarter 21,629,000,000
Total Cash Past Year 14,711,000,000
Total Cash Prior Year 14,259,000,000
Net Cash Position Most Recent Quarter 4,620,000,000
Net Cash Position Past Year -751,000,000
Long Term Debt Past Year 15,462,000,000
Long Term Debt Prior Year 15,982,000,000
Total Debt Most Recent Quarter 17,009,000,000
Equity to Debt Ratio Past Year 0.52
Equity to Debt Ratio Most Recent Quarter 0.49
Total Stockholder Equity Past Year 16,580,000,000
Total Stockholder Equity Prior Year 13,903,000,000
Total Stockholder Equity Most Recent Quarter 16,581,000,000

Free Cash Flow

Free Cash Flow Twelve Trailing Months 9,800,000,000
Free Cash Flow Per Share Twelve Trailing Months 25.74
Free Cash Flow Past Year 9,848,000,000
Free Cash Flow Prior Year 8,593,000,000

Options

Put/Call Ratio 0.50
Has Options Options Chain
Liquidity Rating

Technical Analysis

Yahoo Finance Chart Yahoo Finance Chart
MACD 1.91
MACD Signal 1.57
20-Day Bollinger Lower Band 44.17
20-Day Bollinger Middle Band 55.99
20-Day Bollinger Upper Band 67.80
Beta 1.43
RSI 71.78
50-Day SMA 56.48
150-Day SMA 41.34
200-Day SMA 40.49

System

Modified 7/1/2025 11:34:47 AM EST