SYF
Financial Services · Credit Services
Performance
SYF (SYF) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
SYF (SYF) operates in the Credit Services space within the Financial Services sector. With a market cap of $25.3B, it qualifies as a mid-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Low P/E of 7.8× suggests the stock may be undervalued relative to earnings
- Forward P/E (7.2×) is lower than trailing P/E (7.8×) — analysts expect earnings to improve
- Revenue growth of 6% YoY shows solid business momentum
- Earnings grew 20% YoY — bottom-line is expanding fast
- Exceptional profit margin of 36.4% — the business retains a large share of each dollar earned
- ROE of 21.8% shows management efficiently converts equity into profit
No significant bearish signals found
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
1.61%
5Y Avg Annual
$0.9220
Last Payment
$0.3000
Ex-Date
05/05/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/05/2026 | 05/15/2026 | $0.3000 | 1.59% |
02/06/2026 | 02/16/2026 | $0.3000 | 1.59% |
11/05/2025 | 11/15/2025 | $0.3000 | 1.59% |
08/05/2025 | 08/15/2025 | $0.3000 | 1.59% |
05/05/2025 | 05/15/2025 | $0.3000 | 1.59% |
02/03/2025 | 02/13/2025 | $0.2500 | 1.33% |
11/04/2024 | 11/14/2024 | $0.2500 | 1.33% |
08/05/2024 | 08/15/2024 | $0.2500 | 1.33% |
Magic Number
Shares needed to self-fund your next purchase
$75.35
Price
$0.3000
Last div. (quarterly)
252
shares
Own 252 SYF shares ($18,988.20) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$18,988.20
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 21, 2026
35
days
EPS (TTM)
$9.66
P/E (TTM)
7.8
Fwd P/E
7.2
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $75.35
Graham Number
√(22.5 × EPS × Book Value)
$99.19
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$16.30
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
10Y hist.10+ years of dividend history
Dividend consistency (5Y+)
10 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
21.8%Return on equity — measures how efficiently capital is used
Positive profit margin
36.4%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+6.1%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+20.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$285M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.61%Stock must distribute income to shareholders
Related Assets
Financial Services
About SYF
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Sector
Financial Services
Industry
Credit Services
Location
Stamford, United States
Employees
20,000