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Synchrony Financial

SYF

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Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$23.46B
EPS$9.57
P/E7.87
Div. Yield1.79%
Net Margin–
P/Book1.4x
Synchrony Financial intrinsic value
52-Week Range
$63.78$88.47

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$3.33B

▲ +1.5% YoY

Net Margin

–

P/E

7.87

Balance Sheet

Total Assets

$122.47B

Equity

$16.55B

Total Debt

$17.02B

Cash & Equiv.

$15.90B

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Held by ETFs

SYF is in 311 US ETFs. The largest of them, with SYF's weight in each:

Synchrony Financial (SYF) in four numbers

Fair value (book value)
$103.45
Price $75.35 is 27% below it.
Intrinsic Value
Quality score
69/100
Best check: book value growth, 24.5%.
Quality
Dividend (TTM)
$1.24
1.79% yield, raised 4 years in a row.
Dividends
P/E
7.87
From the last twelve months of earnings.
Financials

Questions about Synchrony Financial

Is Synchrony Financial (SYF) overvalued?

At $75.35, Synchrony Financial's price is 27% below the $103.45 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 7.87 times earnings. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is Synchrony Financial's fair value?

Intrinsiqq's calculator puts Synchrony Financial's fair value at $103.45 a share. It grows book value per share 15.8% a year for 5 years, applies an exit P/B of 1.4, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $77.59. Every input can be changed on the Intrinsic Value tab.

Is Synchrony Financial a high-quality business?

Synchrony Financial scores 69 out of 100 on Intrinsiqq's quality score, which makes it a solid business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 24.5%. The Quality tab shows every check against its target.

Does Synchrony Financial (SYF) pay a dividend, and how much?

Yes. Synchrony Financial (SYF) pays a dividend: $1.24 per share over the last twelve months, a dividend yield of 1.79% at the latest close. It has raised its dividend per share for 4 years in a row, growing at 5.5% a year over the last 5 years. The payout takes about 12.6% of earnings.

Source: 10-Q filed 16 Oct 2026 (period ending 30 Sept 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in SYF's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.