$75.99
+0.44 (+0.58%)
Last updated: Apr 16, 2026 00:36
Fundamentals Overview
Synchrony Financial is in the middle of its 52-week range with premium valuation, trading relatively flat today.
Valuation premium
Intrinsic value (DCF)
+13.9% upside vs price
Profitability
Risk (Beta)
1.38 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +13.9% upside vs price · Analyst grade: A
Pressures (Sell):
3M vs S&P 500: -5.3% · Beta 1.38 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A. Recent institutional grades: mixed. Current institutional positions: Buy: 5, Hold: 4, Neutral: 6, Outperform: 5, Overweight: 9, Sector Perform: 1.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $86.59; current price is $75.99. That’s a +13.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 7.66 |
| DCF value (model) | $86.59 (13.9% upside) |
| PEG (TTM) | 5.06 |
| P/B (TTM) | 1.62 |
| P/S (TTM) | 1.43 |
| P/FCF (TTM) | 2.78 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.21 |
| Quick Ratio (TTM) | 0.21 |
| Cash Ratio (TTM) | 0.18 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 18.58% |
| Gross margin (TTM) | 51.04% |
| Operating margin (TTM) | 24.17% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for SYF.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Wells Fargo | maintain | Overweight | Overweight | 2026-04-09 |
| JP Morgan | maintain | Neutral | Neutral | 2026-04-09 |
| Evercore ISI Group | maintain | Outperform | Outperform | 2026-04-06 |
| Barclays | maintain | Overweight | Overweight | 2026-04-06 |
| Truist Securities | maintain | Hold | Hold | 2026-03-23 |
| BTIG | maintain | Buy | Buy | 2026-03-11 |
| Baird | upgrade | Neutral | Outperform | 2026-02-13 |
| Truist Securities | maintain | Hold | Hold | 2026-01-29 |
| Barclays | maintain | Overweight | Overweight | 2026-01-28 |
| BTIG | maintain | Buy | Buy | 2026-01-28 |
| JP Morgan | maintain | Neutral | Neutral | 2026-01-28 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-01-28 |
| JP Morgan | maintain | Neutral | Neutral | 2026-01-12 |
| TD Cowen | maintain | Buy | Buy | 2026-01-08 |
| Barclays | maintain | Overweight | Overweight | 2026-01-06 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-01-05 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2026-01-02 |
| Truist Securities | maintain | Hold | Hold | 2025-12-22 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-12-17 |
| Baird | downgrade | Outperform | Neutral | 2025-12-05 |
| Truist Securities | maintain | Hold | Hold | 2025-10-17 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-10-16 |
| Barclays | maintain | Overweight | Overweight | 2025-10-16 |
| BTIG | maintain | Buy | Buy | 2025-10-16 |
| HSBC | upgrade | Hold | Buy | 2025-10-10 |
| JP Morgan | downgrade | Overweight | Neutral | 2025-10-07 |
| UBS | maintain | Neutral | Neutral | 2025-10-07 |
| Barclays | maintain | Overweight | Overweight | 2025-10-06 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-10-01 |
| Evercore ISI Group | maintain | Outperform | Outperform | 2025-09-30 |