Synchrony Financial (SYF)$71.83
Market Cap: 20.63 BCurrency: USD
Research Snapshot
Static fundamentals, valuation context, and investor signals for Synchrony Financial (SYF).
FINANCIAL
CREDIT SERVICES
DCF ready
Valuation
2.1x
EV/FCF, 47.3% FCF yield
Quality
11.1%
ROIC, N/A FCF margin
Growth
N/A
5Y sales (revenue) CAGR
Balance sheet
0.9x
Debt/equity, N/A current ratio
Superinvestors
3
Top: Francis Chou (7.3%)
Strengths to research
- Return on equity is strong at 21.2%.
- Debt/equity looks manageable at 0.9x.
- 3 tracked superinvestors report a position.
- 10 annual periods are available for trend analysis.
Watchouts
No major valuation, balance sheet, or growth watchouts were detected by the static screen.
Annual data: 10 periods
Quarterly data: 24 periods
Stock snapshot: May 25, 2026
Static dataset: May 25, 2026
Quality Scorecard
Build-time composite score for SYF.
Grade D
37
/ 100
Peer Comparison
Target stock against 8 market-cap comparable peers.
Heat map: red worst to green best
| SYF Target | Synchrony Financial | $20.6B | 7.7x | 2.1x | 11.1% | N/A | N/A | N/A | N/A | N/A |
| SOFI | SoFi Technologies Inc. | $14.2B | 40.1x | -2.3x | 4.6% | 43.1% | -643.4% | N/A | N/A | N/A |
| ALLY | Ally Financial Inc. | $10.1B | 17.9x | 4.6x | 2.6% | 10.6% | 299.8% | N/A | N/A | N/A |
| PYPL | PayPal Holdings Inc. | $66.7B | 8.2x | 10.5x | 25.8% | 9.1% | 16.8% | N/A | -1.1x | N/A |
| COF | Capital One Financial | $72.0B | 46.6x | 0.4x | 2.2% | 16.6% | 324.2% | N/A | N/A | N/A |
| CACC | Credit Acceptance Corp. | $5.8B | 15.0x | 5.5x | 0.0% | 6.8% | 45.4% | N/A | N/A | N/A |
| OMF | OneMain Holdings | $5.8B | 8.2x | 8.8x | 3.0% | N/A | N/A | N/A | N/A | N/A |
| BFH | Bread Financial Holdings Inc. | $2.3B | 8.0x | 1.4x | 6.8% | N/A | N/A | N/A | N/A | N/A |
| AXP | American Express | $194.8B | 20.3x | 12.7x | 12.1% | 13.5% | 38.7% | N/A | N/A | N/A |
Financial Charts
No financial data available for SYF (annual).
3 superinvestors own SYF
Current quarter ownership and quarter-over-quarter share changes.
Superinvestor ownership
| Fund | Shares | Value | % Portfolio | QoQ Change |
|---|---|---|---|---|
| Bill Nygren Oakmark Select Fund | 4,659,001 | $317M | 0.42% | 0.0% |
| Francis Chou Chou Associates | 223,202 | $15M | 7.31% | ▲ +38.5% |
| Christopher Bloomstran Semper Augustus | 4,437 | $302,000 | 0.04% | 0.0% |