Stocktoria
Synchrony Financial SYF
Synchrony Financial (SYF) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 1.61% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-03 | UBS | Neutral (main) |
| 2026-07-28 | Evercore ISI Group | Outperform (main) |
| 2026-07-22 | Wells Fargo | Overweight (main) |
| 2026-07-22 | RBC Capital | Sector Perform (main) |
| 2026-07-22 | Baird | Outperform (main) |
| 2026-07-13 | HSBC | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SYF | Synchrony Financial | 6/9 | — | 7.4 | — |
| AXP | AMERICAN EXPRESS CO | 4/9 | — | 21.4 | +6.4% |
| LX | LexinFintech Holdings Ltd. | 4/9 | — | — | -10% |
| COIN | Coinbase Global, Inc. | 4/9 | 4.64 | 31.2 | +9.4% |
| YRD | Yiren Digital Ltd. | 4/9 | — | — | -1.5% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is SYF financially healthy?
Synchrony Financial's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does SYF pay a dividend, and is it safe?
Yes. Synchrony Financial pays a dividend yielding about 1.61% with a 12.0% payout ratio, rated “safe” for safety.
How profitable is SYF?
In FY2025, Synchrony Financial had a return on equity of 21.2%.
Is SYF overvalued or undervalued?
Synchrony Financial trades at about 8.6× trailing earnings — near its 10-year norm (10-year range 5.8×–16.4×, median 8.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SYF?
The average Wall-Street price target for Synchrony Financial is $89.09, about 12.2% above the recent price, from 23 analysts (consensus: buy).
Is SYF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Synchrony Financial: a Piotroski F-score of 6/9, a P/E of about 7.4×, a dividend yield of 1.61%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.