SYFSynchrony FinancialLarge cap · $24.67B · FY ending 2025-12-31
$73.21+1.06% · 2026-07-13 · EOD
59/100 composite
A transparent blend of the four reads below — each opens into the tool it comes from. Not advice.Quality—
margins & F-ScoreValue84
P/E 7.9 · 38% of 12-mo rangeMomentum44
death · price below 200-daySmart Money50
quiet · 0 funds · 0P/0S insidersMixed trendDeath crossBelow 200-day
vs S&P 500-25.2%
6-mo excess Trailing performance1M +5.2%
3M +1.1%
6M -16.6%
YTD -13.5%
1Y +2.9%
P/E vs its last 12 months (our price history): 6.9 low → 9.5 high
Current price sits at the 38th percentile of that window — mid-range. We only compare against the price history we own (no paid multi-year multiples — nothing invented).
ROIC = NOPAT ÷ (debt + equity − cash), using an effective tax rate of 23%. Annual figures from SEC XBRL.
Dividend & capital return
Payout ratio12.0%
comfortable Shareholder yield13.7%
dividends + buybacks Annual figures from SEC cash-flow statements. Shareholder yield = total cash returned ÷ market cap.
Quiet0P / 0S insiders · 0 funds hold · 0 Congress buys
CongressJosh GottheimerSELL2026-04-09
Chealth · 69/100
Self-fundingSelf-funding — profitable · generates cash
No red flags from its filings.
Educational tools — not financial advice. Fundamentals from SEC EDGAR (XBRL); prices are end-of-day (Databento). Scores are a transparent blend of the components shown, computed on our own data — a research aid, not a recommendation.