Synchrony Financial (SYF-PB) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
1.80
↓-12% vs avg
5yr avg: 2.06
30Y Low1.9·High2.2
P/FCF
↓
0.92
-9% vs avg
5yr avg: 1.01
30Y Low1.0·High1.1
P/B Ratio
↓
0.56
-7% vs avg
5yr avg: 0.60
30Y Low0.6·High0.6
ROE
↓
21.3%
-8% vs avg
5yr avg: 23.1%
30Y Low10%·High46%
Debt/EBITDA
↑
2.96
↓-10% vs avg
5yr avg: 3.30
30Y Low2.5·High8.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SYF-PB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Synchrony Financial trades at 2.8x earnings, 5% below its 5-year average of 3.0x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 79%. On a free-cash-flow basis, the stock trades at 0.9x P/FCF, 9% below the 5-year average of 1.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $9.1B | $9.4B | $10.5B | — | — | — | — | — | — | — | — |
| Enterprise Value | $9.3B | $9.6B | $11.3B | — | — | — | — | — | — | — | — |
| P/E Ratio → | 2.80 | 2.83 | 3.08 | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.47 | 0.49 | 0.51 | — | — | — | — | — | — | — | — |
| P/B Ratio | 0.56 | 0.56 | 0.64 | — | — | — | — | — | — | — | — |
| P/FCF | 0.92 | 0.95 | 1.07 | — | — | — | — | — | — | — | — |
| P/OCF | 0.92 | 0.95 | 1.07 | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
SYF-PB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Synchrony Financial's enterprise value stands at 1.8x EBITDA, 12% below its 5-year average of 2.1x. The Financial Services sector median is 11.5x, placing the stock at a 84% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.50 | 0.54 | — | — | — | — | — | — | — | — |
| EV / EBITDA | 1.80 | 1.87 | 2.24 | — | — | — | — | — | — | — | — |
| EV / EBIT | 2.00 | 2.08 | 2.48 | — | — | — | — | — | — | — | — |
| EV / FCF | — | 0.98 | 1.15 | — | — | — | — | — | — | — | — |
SYF-PB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Synchrony Financial earns an operating margin of 24.2%, above the Financial Services sector average of 21.6%. Operating margins have expanded from 16.7% to 24.2% over the past 3 years, signaling improving operational efficiency. ROE of 21.3% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 10.8% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.0% | 51.0% | 45.2% | 44.2% | 62.9% | 84.3% | 45.6% | 58.5% | 51.1% | 51.4% | 57.2% |
| Operating Margin | 24.2% | 24.2% | 21.9% | 16.7% | 30.0% | 49.0% | 14.0% | 31.3% | 24.0% | 24.2% | 29.2% |
| Net Profit Margin | 18.6% | 18.6% | 16.9% | 12.9% | 22.9% | 37.6% | 10.8% | 24.0% | 18.4% | 14.1% | 18.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.3% | 21.3% | 23.0% | 16.7% | 22.7% | 32.0% | 10.0% | 25.2% | 19.3% | 13.6% | 16.8% |
| ROA | 3.0% | 3.0% | 3.0% | 2.0% | 3.0% | 4.4% | 1.4% | 3.5% | 2.8% | 2.1% | 2.6% |
| ROIC | 10.8% | 10.8% | 11.0% | 7.6% | 10.8% | 14.6% | 4.2% | 10.0% | 7.4% | 7.2% | 7.5% |
| ROCE | 12.3% | 12.3% | 12.4% | 9.2% | 14.3% | 19.4% | 5.7% | 13.3% | 9.9% | 9.6% | 10.0% |
SYF-PB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Synchrony Financial carries a Debt/EBITDA ratio of 3.0x, which is moderately leveraged (29% below the sector average of 4.1x). Net debt stands at $209M ($15.2B total debt minus $15.0B cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.91 | 0.91 | 0.93 | 1.15 | 1.10 | 1.06 | 1.24 | 1.32 | 1.63 | 1.46 | 1.42 |
| Debt / EBITDA | 2.96 | 2.96 | 3.07 | 4.75 | 3.24 | 2.46 | 7.24 | 3.78 | 6.08 | 5.81 | 5.32 |
| Net Debt / Equity | — | 0.01 | 0.05 | 0.12 | 0.30 | 0.45 | 0.33 | 0.51 | 0.99 | 0.65 | 0.76 |
| Net Debt / EBITDA | 0.04 | 0.04 | 0.15 | 0.51 | 0.89 | 1.05 | 1.95 | 1.47 | 3.70 | 2.57 | 2.86 |
| Debt / FCF | — | 0.02 | 0.08 | 0.20 | 0.58 | 0.87 | 0.57 | 0.86 | 1.56 | 1.03 | 1.59 |
| Interest Coverage | 1.12 | 1.12 | 0.98 | 0.78 | 2.60 | 5.33 | 1.08 | 2.13 | 1.95 | 2.39 | 2.86 |
SYF-PB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.21x is below 1.0, meaning current liabilities exceed current assets — though the company's $15.0B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.21 | 0.21 | 0.22 | 0.22 | 0.20 | 0.20 | 0.28 | 0.26 | 0.23 | 0.26 | 0.26 |
| Quick Ratio | 0.21 | 0.21 | 0.22 | 0.22 | 0.20 | 0.20 | 0.28 | 0.26 | 0.23 | 0.26 | 0.26 |
| Cash Ratio | 0.18 | 0.18 | 0.18 | 0.18 | 0.13 | 0.12 | 0.17 | 0.17 | 0.14 | 0.19 | 0.17 |
| Asset Turnover | — | 0.16 | 0.17 | 0.15 | 0.13 | 0.12 | 0.13 | 0.15 | 0.14 | 0.14 | 0.14 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SYF-PB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Synchrony Financial returns 37.1% to shareholders annually — split between a 4.6% dividend yield and 32.5% buyback yield. The payout ratio of 12.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 35.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.6% | 4.5% | 3.8% | — | — | — | — | — | — | — | — |
| Payout Ratio | 12.0% | 12.0% | 11.4% | 18.1% | 14.4% | 11.8% | 37.5% | 15.5% | 19.1% | 23.0% | 9.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 35.7% | 35.3% | 32.5% | — | — | — | — | — | — | — | — |
| FCF Yield | 100.0% | 104.7% | 93.5% | — | — | — | — | — | — | — | — |
| Buyback Yield | 32.5% | 31.3% | 9.6% | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 37.1% | 35.8% | 13.3% | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $358M | $401M | $424M | $483M | $569M | $591M | $674M | $747M | $800M | $832M |
Peer Comparison
Compare SYF-PB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SYF-PBYou | $9B | 2.8 | 1.8 | 0.9 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 COF | $119B | 47.8 | 15.0 | 4.6 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 BFH | $4B | 7.9 | 6.9 | 1.9 | 63.3% | 13.1% | 16.2% | 5.6% | 6.3 |
 ALLY | $14B | 18.5 | 12.8 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 ENVA | $4B | 14.9 | 11.3 | 2.4 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 CACC | $5B | 13.9 | 10.0 | 5.2 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 V | $616B | 31.5 | 24.6 | 28.6 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $443B | 30.3 | 22.0 | 26.2 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 FIS | $24B | 63.0 | 7.7 | 10.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonSYF-PB — Frequently Asked Questions
Quick answers to the most common questions about buying SYF-PB stock.
What is Synchrony Financial's P/E ratio?
Synchrony Financial's current P/E ratio is 2.8x. The historical average is 3.0x.
What is Synchrony Financial's EV/EBITDA?
Synchrony Financial's current EV/EBITDA is 1.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 2.1x.
What is Synchrony Financial's ROE?
Synchrony Financial's return on equity (ROE) is 21.3%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 23.5%.
Is SYF-PB stock overvalued?
Based on historical data, Synchrony Financial is trading at a P/E of 2.8x. Compare with industry peers and growth rates for a complete picture.
What is Synchrony Financial's dividend yield?
Synchrony Financial's current dividend yield is 4.58% with a payout ratio of 12.0%.
What are Synchrony Financial's profit margins?
Synchrony Financial has 51.0% gross margin and 24.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Synchrony Financial have?
Synchrony Financial's Debt/EBITDA ratio is 3.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.