Synchrony Financial (SYF) Factsheet
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Synchrony Financial (SYF) Stock Analysis
Analysis from 10-Q filed 2026-07-23. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. D/E 1.0x. Source: 10-Q filed 2026-07-23.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| Debt/Equity | 1.0x | Moderate leverage |
N/A ROIC, N/A FCF margin, 1.0x D/E. From 10-Q filed 2026-07-23.
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 3.0%. Source: 10-Q filed 2026-07-23.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 3.0% |
| Return on Equity (ROE) | 20.9% | Excellent | Efficient use of shareholder equity |
Cash Flow Analysis for Synchrony Financial
OCF/Net income 2.8x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-07-23.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| 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, 0.7x interest coverage
Debt/Equity 1.0x. Total debt $16.4B, cash & investments $16.2B. Interest coverage 0.7x. Source: 10-Q filed 2026-07-23.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.0x | Adequate | Moderate leverage |
| Net Cash Position | $-239.0M | Adequate | Net debt position |
| Interest Coverage | 0.7x | Warning | Monitor debt obligations |
Valuation: Synchrony Financial trades at 7.2x earnings
P/E 7.2x. EV/Sales 1.2x. Dividend yield 1.8%. Source: 10-Q filed 2026-07-23.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| P/E Ratio | 7.2x | Adequate | Reasonable valuation |
| EV/Sales | 1.2x | Excellent | Attractive revenue multiple |
| Dividend Yield | 1.8% | Adequate | Growth focus over income |
Capital Allocation: Synchrony Financial returns 17.6% shareholder yield, reducing shares 12.6% YoY
Total shareholder yield 17.6% (div 1.8% + buyback 15.7%). Share count -12.6% YoY. Capital returned $4.1B TTM. Source: 10-Q filed 2026-07-23.
| Metric | SYF | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 17.6% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 15.7% | Good | Active share repurchases |
| Share Count Change (YoY) | -12.6% | Good | Net share reduction (accretive) |
| Total Capital Returned (TTM) | $4.1B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Equity (ROE) | 20.9% | Top 10% | 3.4x above |
| P/E Ratio | 7.2x | N/A | - |
Financial Scorecard
| Metric | SYF | Rating | Sector Context |
|---|---|---|---|
| Debt to Equity Ratio | 97.2% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 719.3% | Adequate | Attractively valued |
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 3.0%. Source: 10-Q filed 2026-07-23.
Q: What is Synchrony Financial's Free Cash Flow Margin?
Synchrony Financial (SYF) has a free cash flow margin of N/A, Source: 10-Q filed 2026-07-23.
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 7.2x, which is above the sector median of N/A. EV/Sales 1.2x. Source: 10-Q filed 2026-07-23.
Q: Does Synchrony Financial pay a dividend?
Synchrony Financial (SYF) currently pays a dividend yield of 1.8%. Total shareholder yield (dividend + buybacks) 17.6%. Source: 10-Q filed 2026-07-23.
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. Interest coverage 0.7x. Net debt $239.0 million. Source: 10-Q filed 2026-07-23.
Q: What is Synchrony Financial's revenue and earnings growth?
Synchrony Financial (SYF) grew revenue by 2.9% year-over-year. EPS +18.9% YoY. Source: 10-Q filed 2026-07-23.
Q: Is Synchrony Financial buying back stock?
Synchrony Financial (SYF) repurchased $3.6 billion of stock over the trailing twelve months. This represents a buyback yield of 15.7%. Share count -12.6% YoY. Source: 10-Q filed 2026-07-23.
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 3.0% (NaNx). 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 2026-07-23.
Data Source: Data sourced from 10-Q filed 2026-07-23. TTM metrics as of Q2 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.