Business quality remains strong (avg 100/100), but valuation is pulling the composite down (avg 95/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.4x book, reasonable for a financial
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Above 15%, strong return on equity
13.5% equity/assets, well-capitalized
Synchrony Financial (SYF) quality: score, margins and returns
Synchrony Financial (SYF) scores 69/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 6 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Synchrony Financial (SYF) a high-quality business?+
Synchrony Financial scores 69 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Synchrony Financial's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from SYF's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Synchrony Financial scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 16 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 23 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
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Held by ETFs
SYF is in 311 US ETFs. The largest of them, with SYF's weight in each:
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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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