Stocktoria
Synchrony Financial SYF
NYSE · XNYS · stock · Finance Services · website · IPO 2014-07-31
Chart by TradingView
6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
12.0%
Dividend payout · safe
Valuation · market cap as of 2026-06-29
Market cap$26.5B
P / E7.4×
P / B1.6×
Dividend yield1.61%
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $3.6B | $3.5B | $2.2B | $3.0B | $4.2B |
| Operating cash flow | $9.9B | $9.8B | $8.6B | $6.7B | $7.1B |
| Total assets | $119.1B | $119.5B | $117.5B | $104.6B | $95.7B |
| Total liabilities | $102.3B | $102.9B | $103.6B | $91.7B | $82.1B |
| Shareholders' equity | $16.8B | $16.6B | $13.9B | $12.9B | $13.7B |
| Ratios | |||||
| Return on assets | 3.0% | 2.9% | 1.9% | 2.9% | 4.4% |
| Return on equity | 21.2% | 21.1% | 16.1% | 23.4% | 30.9% |
| Debt / equity | 0.91× | 0.93× | 1.15× | 1.10× | 1.06× |
Why these scores methodology →
Piotroski F-score: 6/9
- 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
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001601712 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.