XNYS · Credit Services
Last stored close · Sep 18, 2026
Close · Sep 18, 2026
$75.04+0.85%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
51/100
Moderate
Score components
TickerWhale View
Synchrony Financial scores 51 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
Quality & growth
30%14Weak
- Revenue growth 0.1%
- EPS growth 18.4%
Valuation
25%92Strong
- P/E 7.3
- EV/Sales 1.1
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).
#401 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
#94 / 197sector rank by TickerWhale Score
TickerWhale Score 51 vs sector average 49.7 (+1.3)
Revenue growth (industry)Top 94%
Gross margin (industry)Top 27%
Return on equity (industry)Top 65%
P/E (industry)Cheaper than 94%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
47/100Moderate vs universe
Ranks 47th of 100 covered names on our technical composite — the composite itself scores 46/100 · 25% of the TickerWhale Score
Classic chart indicators
Sell
2 buy · 4 sell · 2 neutral of 8 votes
TickerWhale rates SYF's technical setup middling — 47th percentile of the covered universe. Classic chart indicators lean sell — they read this stock on its own over days, where our score ranks it against every covered name over months, so the two often part company.
Moving averages
0 / 9constructive
- vs 200-day-0.1%
- vs 50-day-2.5%
Momentum
Mixed
- RSI (14)41 · neutral
- Stochasticbuy
- CCIsell
- Williams %Rbuy
Trend
Mixed
- ADX (14) trend strength19· weak trend
- MACD (12,26,9)sell(histogram -0.493)
How the classic verdict is reached
Moving averages (9) agree on sell — 0 buy vs 7 sell — and carry one vote between them.
Oscillators (7) vote individually: 2 buy · 3 sell · 2 neutral.
Result — 2 buy vs 4 sell of 8 votes = Sell. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-09-18 · revised_latestValuation multiples
- P/E (TTM)7.3
- P/S (TTM)1.1
- P/B1.5
- EV/EBITDA—
- EV/Sales1.1
- PEG0.40
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 — $25.1B
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 | 51 | 46 | 7.3 | — | 1.5 | 1.1 | $75.04 | +0.85% | +0.1% | ||
| WTMWhite Mountains Insurance Group | 84 | 52 | 4.5 | — | 0.9 | 1.5 | $2,061.30 | +0.14% | +55.5% | ||
| JXNJackson Financial Inc - | 83 | 74 | 158.1 | — | 0.9 | 1.0 | $132.67 | +2.54% | +15.1% | ||
| FBPFirst Bancorp PR | 80 | 69 | 11.4 | — | 2.2 | 3.1 | $27.58 | +0.22% | +2.7% | ||
| AMPAmeriprise Financial | 78 | 69 | 12.8 | — | 7.9 | 2.4 | $544.33 | -0.25% | +9.1% | ||
| SEICSEI Investments Company | 76 | 72 | 18.4 | — | 5.2 | 5.2 | $105.20 | +0.33% | +11.1% |
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