SYF
Financial ServicesSynchrony Financial · Financial - Credit Services · $24B
What is Synchrony Financial?
Synchrony Financial is a US-based consumer financial services company specializing in credit products and deposit solutions, partnering with retailers, healthcare providers, and other merchants nationwide.
Synchrony generates revenue primarily through interest and fees on credit products issued via partnerships with retailers, healthcare providers, and specialty merchants. It also gathers consumer deposits through digital channels and third-party brokerages, funding its lending operations. Its model ties credit issuance directly to partner ecosystems rather than standalone card marketing.
Founded in 2014 and headquartered in Stamford, Connecticut, Synchrony operates as an independent consumer finance platform.
- Private label and co-brand credit cards
- Consumer installment loans
- Healthcare financing under CareCredit and related brands
- Consumer deposit products including savings and CDs
Is SYF a Good Stock to Buy?
UQS Score rates SYF as Good overall, reflecting a mixed profile across its five pillars.
Synchrony's Quality pillar stands out as Strong, suggesting the business generates earnings with above-average efficiency relative to sector peers. Its Valuation pillar is rated Attractive, meaning the stock does not appear stretched on fundamental measures.
The Moat, Growth, and Risk pillars all register as Weak, pointing to competitive pressures, limited near-term expansion signals, and elevated risk factors worth monitoring.
See the full pillar breakdown and underlying financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SYF pay dividends?
Yes — Synchrony Financial pays a dividend.
Synchrony pays a regular dividend, consistent with its position as a mature consumer finance company generating recurring interest income. The dividend reflects management's choice to return a portion of earnings to shareholders alongside share repurchases.
When does SYF report earnings?
Synchrony Financial reports earnings on a quarterly cadence, typical for US-listed financial services companies.
Quarterly results tend to reflect trends in consumer credit demand, net interest margins, and credit loss provisions — all of which can shift with the broader economic cycle. Investors should watch charge-off rates and partner program performance as key indicators.
For the most recent quarter's results, visit Synchrony Financial's investor relations page directly.
SYF Price History
+82.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Synchrony Financial?
Based on Synchrony Financial's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Synchrony Financial do?
Synchrony Financial provides consumer credit products — including private label cards, co-brand cards, and installment loans — through partnerships with retailers, healthcare providers, and specialty merchants. It also offers consumer deposit products funded through digital channels.
Does SYF pay dividends?
Yes, Synchrony Financial pays a regular dividend. The company distributes a portion of its earnings to shareholders on a recurring basis. For current dividend details, check Synchrony's investor relations page.
When does SYF report earnings?
Synchrony reports on a quarterly cadence, as is standard for US-listed financial companies. Exact upcoming dates are available on Synchrony Financial's investor relations page.
Is SYF a good stock to buy?
UQS Score rates SYF as Good overall. Its Quality pillar is Strong and Valuation is Attractive, but Moat, Growth, and Risk are all rated Weak. Whether that profile fits your portfolio depends on your own risk tolerance and investment goals.
Is SYF overvalued?
The UQS Valuation pillar for SYF is rated Attractive, suggesting the stock is not trading at a premium relative to fundamentals. Pro members can view the specific metrics behind this assessment.
What is SYF's market cap bracket?
Synchrony Financial is classified as a large-cap company, placing it among the more established players in the US consumer financial services sector.
Is SYF a long-term quality investment?
From a long-term quality standpoint, SYF's Strong Quality pillar is a positive signal, but the Weak Moat and Weak Growth ratings suggest limited structural advantages and expansion momentum. Long-term investors should weigh these factors carefully.
What sector does SYF belong to?
Synchrony Financial operates in the Financial Services sector, specifically within consumer credit and payments. It competes with other consumer lenders and fintech platforms for retail and healthcare financing partnerships.
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Pro Analysis
SYF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 52.6 | 82.4 | 38.0 | 21.3 | 21.6 | 99.8 | -0.6 |
| May 4, 2026 | 53.2 | 83.7 | 38.0 | 21.3 | 23.5 | 99.5 | +0.1 |
| Apr 26, 2026 | 53.1 | 83.7 | 38.0 | 21.2 | 23.5 | 99.4 | 0.0 |
| Apr 24, 2026 | 53.1 | 83.7 | 38.0 | 21.2 | 23.5 | 99.3 | 0.0 |
| Apr 23, 2026 | 53.1 | 83.7 | 38.0 | 21.3 | 23.5 | 99.3 | +0.2 |
| Apr 20, 2026 | 52.9 | 83.7 | 38.0 | 20.7 | 23.5 | 98.8 | 0.0 |
| Apr 19, 2026 | 52.9 | 83.7 | 38.0 | 20.8 | 23.5 | 98.8 | -0.1 |
| Apr 18, 2026 | 53.0 | 83.7 | 38.0 | 20.8 | 23.5 | 99.2 | 0.0 |
| Apr 14, 2026 | 53.0 | 83.7 | 38.0 | 20.8 | 23.5 | 99.0 | -3.0 |
| Apr 13, 2026 | 56.0 | 83.7 | 50.0 | 20.8 | 23.5 | 99.1 | +3.0 |
SYF — Pillar Breakdown
Quality
— 82.4/100 (25%)Synchrony Financial demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 21.3/100 (20%)Synchrony Financial faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 21.6/100 (15%)Synchrony Financial presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.8/100 (15%)Synchrony Financial appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 38/100 (25%)Synchrony Financial possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SYF.
Score Composition
Financial Data
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How is the SYF UQS Score Calculated?
The UQS (Unified Quality Score) for Synchrony Financial is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Synchrony Financial's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Synchrony Financial is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.