---
title: "Synchrony Financial (SYF.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/SYF.US.md"
symbol: "SYF.US"
name: "Synchrony Financial"
industry: "Consumer Finance"
datetime: "2026-05-20T02:04:31.969Z"
locales:
  - [en](https://longbridge.com/en/quote/SYF.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/SYF.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/SYF.US.md)
---

# Synchrony Financial (SYF.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.synchrony.com](https://www.synchrony.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:14.000Z

**Overall: B (0.38)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 3 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 13.64% |  |
| Net Profit YoY | 22.08% |  |
| P/B Ratio | 1.57 |  |
| Dividend Ratio | 1.69% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 23899105694.10 |  |
| Revenue | 9892000000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 22.98% | A |
| Profit Margin | 36.39% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 13.64% | B |
| Net Profit YoY | 22.08% | B |
| Total Assets YoY | -0.43% | D |
| Net Assets YoY | -0.63% | D |
| Cash Flow Margin | 279.61% | A |
| OCF YoY | 13.64% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Synchrony Financial",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "13.64%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "22.08%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.57",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "1.69%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "23899105694.10",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "9892000000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "22.98%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "36.39%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "13.64%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "22.08%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "-0.43%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "-0.63%",
          "rating": "D"
        },
        {
          "name": "Cash Flow Margin",
          "value": "279.61%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "13.64%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.64 | 15/57 | 8.69 | 7.94 | 7.26 |
| PB | 1.53 | 25/57 | 1.77 | 1.68 | 1.55 |
| PS (TTM) | 2.36 | 35/57 | 3.03 | 2.79 | 2.55 |
| Dividend Yield | 1.73% | 15/57 | 1.71% | 1.55% | 1.46% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-19T04:00:00.000Z

Total Analysts: **23**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 12 | 52% |
| Overweight | 3 | 13% |
| Hold | 8 | 35% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 69.39 |
| Highest Target | 103.00 |
| Lowest Target | 77.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/SYF.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/SYF.US/norm.md)
- [Related News](https://longbridge.com/en/quote/SYF.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/SYF.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**