Synchrony Financial (SYF-PB) P/E Ratio History
Historical price-to-earnings valuation from 2024 to 2025
Loading P/E history...
Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 2, 2026, Synchrony Financial (SYF-PB) trades at a price-to-earnings ratio of 3.1x, with a stock price of $26.12 and trailing twelve-month earnings per share of $9.42.
The current P/E is roughly in line with its 5-year average of 3.3x. Over the past five years, SYF-PB's P/E has ranged from a low of 2.8x to a high of 3.6x, placing the current valuation at the 29th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, SYF-PB trades at a 78% discount to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
The PEG ratio of 0.34 (P/E divided by 65% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, SYF-PB trades at a notable discount to the S&P 500 median P/E of 26.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SYF-PB DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
Peer Comparison
P/E metrics vs. Consumer Credit Issuers and Installment Lenders peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
COFCapital One Financial Corporation | $124B | 16.9 | - | -3% |
SYFSynchrony Financial | $25B | 8.1 | 0.90 | +65%Best |
SYF-PBSynchrony Financial | $9B | 3.1 | 0.34 | +65%Best |
OMFOneMain Holdings, Inc. | $7B | 8.4 | 2.13 | +55% |
ENVAEnova International, Inc. | $3B | 12.0 | - | +56% |
FINVFinVolution Group | $3B | 4.3 | 1.25 | +8% |
BFHBread Financial Holdings, Inc. | $3B | 12.9 | - | -62% |
LULufax Holding Ltd | $2B | 5.8 | - | -90% |
XYFX Financial | $1B | 0.2Lowest | 0.00Best | +29% |
ATLCAtlanticus Holdings Corporation | $791M | 11.0 | 0.47 | +13% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $25.88 | $9.16 | 2.8x | -13% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $24.84 | $8.24 | 3.0x | -8% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $25.02 | $7.29 | 3.4x | +5% |
| FY2024 Q4 | $26.30 | $8.54 | 3.1x | -6% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $25.62 | $7.66 | 3.3x | +3% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $25.51 | $7.20 | 3.5x | +9% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $25.01 | $6.97 | 3.6x | +10% |
Average P/E for displayed period: 3.3x
See SYF-PB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs SYF-PB Undervalued?
See our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare SYF-PB vs JPM
See how SYF-PB stacks up against sector leader JPMorgan Chase & Co..
Start ComparisonFrequently Asked Questions
Is SYF-PB stock overvalued or undervalued?
SYF-PB trades at 3.1x P/E, near its 5-year average of 3.3x. The 29th percentile ranking places valuation within normal historical bounds.
How does SYF-PB's valuation compare to peers?
Synchrony Financial P/E of 3.1x compares to sector median of 13.8x. The discount suggests lower growth expectations or higher risk.
What is SYF-PB's PEG ratio?
SYF-PB PEG ratio is 0.34. Below 1.0 indicates valuation is supported by earnings growth rate. Historical P/E data spans 2024-2025.