XNYS · Credit Services
Last stored close · Nov 10, 2026
Close · Nov 10, 2026
$71.70-2.08%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
48/100
Moderate
Score components
TickerWhale View
Synchrony Financial scores 48 out of 100 overall, which we rate moderate. Valuation is its strongest area and Quality & growth its weakest.
What helps
- Valuation
- Risk
What to watch
- Technical
- Quality & growth
- Sentiment Signal
Quality & growth
30%21Weak
- Revenue growth 0.1%
- EPS growth 18.4%
Valuation
25%90Strong
- P/E 7.0
- EV/Sales 1.0
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
#419 by market cap in our coverage · ~20,000 employees · Listed 2014-07-31 · www.synchrony.com
Price history
Intraday to five-year windows are free with an account
Members switch between 1D, 1M, 6M, 1Y, 2Y and 5Y and see the live price. Signed out, this is the one-year stored series the technicals below are computed from.
Market intelligence
Peer position
#109 / 196sector rank by TickerWhale Score
TickerWhale Score 48 vs sector average 50.5 (-2.5)
Revenue growth (industry)Top 94%
Gross margin (industry)Top 27%
Return on equity (industry)Top 65%
P/E (industry)Cheaper than 88%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
30/100Weak vs universe
Ranks 30th of 100 covered names on our technical composite — the composite itself scores 40/100 · 25% of the TickerWhale Score
Classic chart indicators
Strong Sell
0 buy · 5 sell · 3 neutral of 8 votes
TickerWhale rates SYF's technical setup weak — 30th percentile of the covered universe. Classic chart indicators lean sell, pointing the same way.
Moving averages
0 / 9constructive
- vs 200-day-2.4%
- vs 50-day-3.5%
Momentum
Weak
- RSI (14)40 · neutral
- Stochasticsell
- CCIsell
- Williams %Rneutral
Trend
Mixed
- ADX (14) trend strength18· weak trend
- MACD (12,26,9)sell(histogram -0.293)
How the classic verdict is reached
Moving averages (9) agree on sell — 0 buy vs 9 sell — and carry one vote between them.
Oscillators (7) vote individually: 0 buy · 4 sell · 3 neutral.
Result — 0 buy vs 5 sell of 8 votes = Strong Sell. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-11-10 · revised_latestValuation multiples
- P/E (TTM)7.0
- P/S (TTM)1.0
- P/B1.4
- EV/EBITDA—
- EV/Sales1.0
- PEG0.38
Profitability & returns
- Gross margin83.0%
- Net margin14.8%
- ROE20.6%
- Debt/Equity0.97
Growth
- Revenue growth (YoY)0.1%
- EPS growth (YoY)18.4%
Green favourable · red stretched — multiples and D/E vs industry peers, margins and growth vs absolute thresholds.
Market capitalisation — $24.0B
Fundamentals history
Reported statement totals across recent periods.
Fundamentals are stored revised/latest (ADR-009): each period reflects the most recent vendor refresh, NOT point-in-time as-reported values. Do not use this series to claim what was known on a past date.
Model Target
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Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| SYFCurrentSynchrony Financial | 48 | 40 | 7.0 | — | 1.4 | 1.0 | $71.70 | -2.08% | +0.1% | ||
| WTMWhite Mountains Insurance Group | 89 | 74 | 5.0 | — | 1.0 | 1.6 | $2,280.00 | +1.05% | +55.5% | ||
| JXNJackson Financial Inc - | 81 | 78 | 164.4 | — | 1.0 | 1.1 | $138.01 | +1.84% | +15.1% | ||
| ALLAllstate Corp (The) | 80 | 73 | 5.1 | — | 2.0 | 1.1 | $261.12 | +2.89% | +5.9% | ||
| FHIFederated Hermes Inc - | 79 | 81 | 12.0 | — | 3.8 | 2.5 | $65.53 | +0.89% | +15.0% | ||
| AMGAffiliated Managers Group | 76 | 81 | 12.6 | — | 3.6 | 5.9 | $401.32 | +4.74% | +11.8% |
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