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Synchrony Financial SYF

NYSE · stock · Finance Services · website · IPO 2014-07-31 · LEI

Synchrony Financial statistics & valuation

Market cap$26.5B
P / E7.4×
P / B1.6×
Dividend yield1.61%
Return on equity21.2%
Net debt$209.0M
Enterprise value USD$26.7B
Graham number +21.9%$96.76

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($96.76); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
15.90% 13.60% 19.00% 24.80% 10.90% 30.90% 23.40% 16.10% 21.10% 21.20% 2016201720182019202020212022202320242025
Shares outstanding
831.5M 799.7M 746.9M 673.5M 590.8M 569.3M 483.4M 423.5M 400.6M 373.9M 2016201720182019202020212022202320242025
Net debt ($)
$10.83B $9.20B $14.60B $7.72B $4.25B $6.17B $3.90B $1.72B $751.0M $209.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
2.50% 2.00% 2.60% 3.60% 1.40% 4.40% 2.90% 1.90% 2.90% 3.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
1.42× 1.46× 1.63× 1.32× 1.24× 1.06× 1.10× 1.15× 0.93× 0.91× 2016201720182019202020212022202320242025
EPS ($)
$2.71 $2.42 $3.74 $5.56 $2.27 $7.34 $6.15 $5.19 $8.55 $9.28 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Synchrony Financial trades at about 8.6× earnings — near its 10-year norm (10-year range 5.8×–16.4×, median 8×).

5.8× 16.4×

Shaded band = 10-year range (5.8×–16.4×); dot = today's 8.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets3.0%2.9%1.9%2.9%4.4%1.4%3.6%2.6%2.0%2.5%
Return on equity21.2%21.1%16.1%23.4%30.9%10.9%24.8%19.0%13.6%15.9%
Debt / equity0.91×0.93×1.15×1.10×1.06×1.24×1.32×1.63×1.46×1.42×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.