Synchrony Financial (SYF) Factsheet
Synchrony Financial (SYF) Stock Analysis
Analysis from 10-Q filed 2025-10-22. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 51.4%. D/E 1.0x. Source: 10-Q filed 2025-10-22.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 51.4% | Strong cash generation |
| Debt/Equity | 1.0x | Moderate leverage |
FCF margin 51.4% — Top 5%.
Explore Synchrony Financial: Earnings History | Filings
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for SYF: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Synchrony Financial earns N/A ROIC
ROIC TTM N/A, sector median 2.9%. Source: 10-Q filed 2025-10-22.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 2.9% |
| Return on Equity (ROE) | 20.9% | Excellent | Efficient use of shareholder equity |
Cash Flow: Synchrony Financial generates $9.8B FCF at 51.4% margin, positive NaN/8 quarters
FCF TTM $9.8B. FCF margin 51.4%, Top 5%. OCF/Net income 2.8x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-22.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 51.4% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $9.8B | Good | Positive cash generation |
| OCF/Net Income | 2.8x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Synchrony Financial at 1.0x leverage
Debt/Equity 1.0x. Net cash $4.1B. Source: 10-Q filed 2025-10-22.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.0x | Adequate | Moderate leverage |
| Net Cash Position | $4.1B | Excellent | Net cash positive |
Valuation: Synchrony Financial trades at 6.7x earnings
P/E 6.7x. EV/Sales 1.1x. FCF yield 41.5%. Dividend yield 2.2%. Source: 10-Q filed 2025-10-22.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| P/E Ratio | 6.7x | Adequate | Reasonable valuation |
| EV/Sales | 1.1x | Excellent | Attractive revenue multiple |
| FCF Yield | 41.5% | Excellent | Attractive cash return |
| Dividend Yield | 2.2% | Adequate | Growth focus over income |
Capital Allocation: Synchrony Financial returns 15.8% shareholder yield
Total shareholder yield 15.8% (div 2.2% + buyback 13.6%). Capital returned $3.8B TTM. Source: 10-Q filed 2025-10-22.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 15.8% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 13.6% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $3.8B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 51.4% | Top 5% | - |
| Return on Equity (ROE) | 20.9% | Top 25% | 3.3x above |
| P/E Ratio | 6.7x | N/A | - |
Financial Scorecard
| Metric | SYF | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 51.4% | Excellent | Top 5% of sector (median: 0.0%) |
| Debt to Equity Ratio | 99.7% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 674.4% | Adequate | Attractively valued |
| Free Cash Flow Yield | 41.5% | Excellent | High cash return |
Frequently Asked Questions
Q: What is Synchrony Financial's Return on Invested Capital (ROIC)?
Synchrony Financial (SYF) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 2.9%. Source: 10-Q filed 2025-10-22.
Q: What is Synchrony Financial's Free Cash Flow Margin?
Synchrony Financial (SYF) has a free cash flow margin of 51.4%, generating $9.8 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-22.
Q: What is Synchrony Financial's P/E ratio and how does it compare to peers?
Synchrony Financial (SYF) trades at a P/E ratio of 6.7x, which is above the sector median of N/A. EV/Sales 1.1x. FCF yield 41.5%. Source: 10-Q filed 2025-10-22.
Q: Does Synchrony Financial pay a dividend?
Synchrony Financial (SYF) currently pays a dividend yield of 2.2%. Total shareholder yield (dividend + buybacks) 15.8%. Source: 10-Q filed 2025-10-22.
Q: How much debt does Synchrony Financial have?
Synchrony Financial (SYF) has a debt-to-equity ratio of 1.0x with total debt of $16.4 billion. Net cash position $4.1 billion. Source: 10-Q filed 2025-10-22.
Q: What is Synchrony Financial's revenue and earnings growth?
Synchrony Financial (SYF) grew revenue by 3.0% year-over-year. EPS +33.1% YoY. Source: 10-Q filed 2025-10-22.
Q: Is Synchrony Financial buying back stock?
Synchrony Financial (SYF) repurchased $3.2 billion of stock over the trailing twelve months. This represents a buyback yield of 13.6%. Source: 10-Q filed 2025-10-22.
Q: How does Synchrony Financial compare to competitors in Other?
Compared to other companies in Other, Synchrony Financial (SYF) shows: ROIC N/A, sector median 2.9% (NaNx). FCF margin 51.4%, sector median 0.0% (Top 5%). These rankings are based on MetricDuck's analysis of all Other companies with available SEC filings.
Q: What warning signs should I watch for with Synchrony Financial?
No quantitative warning flags fired for Synchrony Financial (SYF) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-22.
Data Source: Data sourced from 10-Q filed 2025-10-22. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.