Is Synchrony Financial (SYF) overvalued or fairly valued?

MarketChacha shows Synchrony Financial's valuation in context — a trailing P/E of about 7.2, a forward P/E of about 7.0, a price-to-book of about 1.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Synchrony Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (3.05×) from reported figures — education, not a rating.

What is the share price of Synchrony Financial (SYF)?

Synchrony Financial last traded at $73.60 (-0.9% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Synchrony Financial

SYF · NYSE · Financials · United States

Snapshot

TickerSYF

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees20,000

HeadquartersStamford, United States

Websitewww.synchrony.com

Filings tracked25

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.

Who owns it

Insiders0.4%
Institutions99.6%
Public & other0.0%

1,420 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.9.49%
Vanguard Capital Management LLC6.77%
Capital World Investors5.81%
Vanguard Portfolio Management LLC5.56%
State Street Corporation5.45%
Bank of America Corporation4.54%
Goldman Sachs Group Inc3.10%
Geode Capital Management, LLC3.03%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion3.05×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity21.2%

Latest ROE of 21.2% — capital is generating a healthy return.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $3.9B · EPS 2.59

Est. earnings growth +14.7%

Next fiscal year

Rev $16.0B · EPS 10.46

Est. earnings growth +10.7%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

21.2%

Profit CAGR (2y)

+26.0%

EPS (FY2025)

9.28

Net profit (FY2025)

$3.6B

Ask MarketChacha about SYF

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$3.6B	9.28	21.2%
FY2024	$3.5B	8.55	21.1%
FY2023	$2.2B	5.19	16.1%

Quarterly

Period	Net profit	EPS
2026Q2	$885.0M	2.59
2026Q1	$805.0M	2.27
2025Q3	$1.1B	2.86
2025Q2	$967.0M	2.50
2025Q1	$757.0M	1.89
2024Q3	$789.0M	1.94
2024Q2	$643.0M	1.55
2024Q1	$1.3B	3.14
2023Q3	$628.0M	1.48
2023Q2	$569.0M	1.32
2023Q1	$601.0M	1.35

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC8/17/2026material
8-K — Other events, Exhibits
SEC7/31/2026material
10-Q filing
SEC7/23/2026
8-K — Results of operations, Exhibits
SEC7/21/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/21/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/29/2026material
8-K — Shareholder vote results, Exhibits
SEC6/25/2026material
8-K — Reg FD disclosure, Exhibits
SEC6/9/2026material
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC6/5/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/15/2026material
10-Q filing
SEC4/23/2026
8-K — Results of operations, Exhibits
SEC4/21/2026material
8-K — Reg FD disclosure, Exhibits
SEC4/21/2026material
8-K — Reg FD disclosure, Exhibits
SEC3/10/2026material
8-K — Other events, Exhibits
SEC2/25/2026material
8-K — Reg FD disclosure, Exhibits
SEC2/10/2026material
10-K filing
SEC2/6/2026
8-K — Results of operations, Exhibits
SEC1/27/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/27/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC12/9/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/12/2025material
10-Q filing
SEC10/22/2025
8-K — Results of operations, Exhibits
SEC10/15/2025material
8-K — Reg FD disclosure, Exhibits
SEC10/15/2025material
8-K — Executive/director change, Exhibits
SEC9/29/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.