Synchrony Financial SYF
Composite 63/100; the shares have moved about 31% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 38/100 — a slight mark against it.
Valuation ranks 85/100 — a strong point in its favour. Quality ranks 71/100 — a moderate point in its favour. Momentum ranks 56/100 — a slight point in its favour.
Growth ranks 38/100 — a slight mark against it.
What the company does Synchrony Financial issues private-label and co-branded credit cards, installment loans, and deposit products for retailers such as American Eagle, Dick’s Sporting Goods, and Walgreens under the CareCredit brand.
Key financials ROE 20.8%, ROA 2.9%, net margin 35.5%, revenue growth 0.6%, EPS growth 3.6%. Sideravia scores: Quality 78.8, Valuation 89.3, Income 66.5.
Stock health 12-month return 15.05%, RSI 60.10, trading 10.36% below 52-week high; dividend yield 1.7%, payout 12.5%.
Price vs fair value SYF trades at a discount of 13.40% versus the analyst mean target of 89.09. - Embedding CareCredit into Stripe’s platform could expand reach (Simply Wall St.) - Analysts remain bullish on Synchrony’s co-branded card franchises (Barchart) - Stripe CareCredit checkout deal cited as a potential growth catalyst (Simply Wall St.)
Looking forward Forward P/E 8.14, strong profitability metrics, and embedded-payments initiatives may support valuation expansion if adoption accelerates.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.