SYF
Synchrony Financial
Financials · Consumer Finance · US
$70.84
Data:
✗ ETHICAL FAIL

STRONG MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$24.6B
Total market value of the company
Trailing P/E
7.60
Very cheap relative to earnings
Forward P/E
7.00
Based on estimated future earnings — lower means cheaper
Rev Growth
+6.1%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
ROE
21.8%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$89.59
+26% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 22 analysts covering this stock
About Synchrony Financial

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 firms. In addition, the company 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, Pandora, Polaris, Suzuki, and Sweetwater. It 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.

https://www.synchrony.com

Country: United States Employees: 20,000 Industry: Credit Services
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
Fair Value Est.
$210.00
What our model estimates this business is worth per share
Margin of Safety
66.3%
Deep discount to fair value — significant undervaluation
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
Percentile
77.3th
Ranks in the top 23% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
95.0
Quality Score
49.0
Combined
46.6

Trading at $73 against a fair value of $210, a 65% discount. Strong competitive moat. Fails ethical screen (Business activity screen). Ranks better than 86% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
MARKDOWN
Price trending down — defensive positioning
Sharpe Ratio
0.916
Good returns relative to risk taken
Kelly Fraction
0.0827
Suggested allocation is meaningful — the edge justifies a position
Calmar Ratio
0.837
Acceptable balance between returns and drawdown risk
Annual Return
31.6%
Historical annualised return based on price data
Max Drawdown
-37.8%
Largest peak-to-trough decline — the worst it has been
HMM State
BEAR
Statistical model detects bearish conditions
Days in State
260
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
1.36
Moves slightly more than the broader market
52W High
$88.77
20% below the year high
52W Low
$55.67
27% above the year low
Avg Volume
4,008,498
Average daily shares traded — higher means easier to buy and sell
Short Ratio
5.6
Days it would take all short sellers to cover — higher means more crowded
Short % Float
8.1%
Moderate short interest
Div Yield
164.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$9.66
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
N/A
Revenue left after cost of goods — higher means pricing power
Operating Margin
48.0%
Profit from core operations before interest and tax
Free Cash Flow
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$9.9B
Total revenue over the last 12 months
Net Income
$3.5B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
22
Target High
$103.00
Target Median
$89.59
Target Low
$77.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

45
NEUTRAL
Mixed insider activity. 0 purchases and 0 sales in the last 90 days — no clear directional signal. Political selling noted.
Date Insider Title Type Shares Value
2026-05-15 MOTHNER JONATHAN S Officer 51,258 $3,651,107
2026-05-15 MOTHNER JONATHAN S Officer 11,258 $386,149
2026-05-15 OWENS DARRELL Officer 74 $5,282
2026-05-15 COLAO DANIEL O Director 14 $999
2026-05-01 HOWSE CURTIS Officer 8,436 $645,776
2026-05-01 CASELLAS ALBERTO B Officer 5,794 $443,531
2026-05-01 COVIELLO ARTHUR W JR Director 4,000 $306,200
2026-05-01 CASELLAS ALBERTO B Officer 5,794 $198,734
2026-03-31 ZANE ELLEN M Director 883 $60,062
2026-03-31 GUTHRIE ROY A Director 883 $60,062
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
9 Apr2026 Josh Gottheimer Democrat sell 15K–50K
2026-04-13 Ro Khanna Democrat Sale 1K–15K
2026-04-09 Josh Gottheimer Democrat Sale 15K–50K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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