Synchrony Financial (SYF-PB) P/E Ratio History
Historical price-to-earnings valuation from 2024 to 2026
Loading P/E history...
SYF-PB Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Synchrony Financial (SYF-PB) trades at a price-to-earnings ratio of 2.8x, with a stock price of $26.04 and trailing twelve-month earnings per share of $10.40.
The current P/E is 11% below its 5-year average of 3.1x. Over the past five years, SYF-PB's P/E has ranged from a low of 2.6x to a high of 3.6x, placing the current valuation at the 11th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, SYF-PB trades at a 79% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 0.09 (P/E divided by 9% 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 25.1x. 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.
SYF-PB P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $119B | 47.8 | - | -65% | |
| $4B | 7.9 | 0.40Best | +99%Best | |
| $14B | 18.5 | - | +32% | |
| $4B | 6.5Lowest | 0.73 | +29% | |
| $7B | 8.5 | 2.16 | +55% | |
| $4B | 14.9 | - | +56% | |
| $5B | 13.9 | 1.41 | +89% | |
| $616B | 31.5 | 1.99 | +5% | |
| $443B | 30.3 | 1.44 | +19% | |
| $24B | 63.0 | 2.58 | -47% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
SYF-PB Historical P/E Data (2024–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | $25.18 | $9.67 | 2.6x | -17% | |
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $26.29 | $9.29 | 2.8x | -10% |
| FY2025 Q3 | $25.88 | $9.16 | 2.8x | -10% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $24.84 | $8.24 | 3.0x | -4% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $25.02 | $7.29 | 3.4x | +9% |
| FY2024 Q4 | $26.30 | $8.54 | 3.1x | -2% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $25.62 | $7.66 | 3.3x | +7% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $25.51 | $7.20 | 3.5x | +13% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $25.01 | $6.97 | 3.6x | +14% |
Average P/E for displayed period: 3.1x
See SYF-PB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs SYF-PB Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare SYF-PB vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonSYF-PB — Frequently Asked Questions
Quick answers to the most common questions about buying SYF-PB stock.
Is SYF-PB stock overvalued or undervalued?
SYF-PB trades at 2.8x P/E, near its 5-year average of 3.1x. The 11th percentile ranking places valuation within normal historical bounds.
How does SYF-PB's valuation compare to peers?
Synchrony Financial P/E of 2.8x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is SYF-PB's PEG ratio?
SYF-PB PEG ratio is 0.09. Below 1.0 indicates valuation is supported by earnings growth rate. Historical P/E data spans 2024-2026.