SYF
SYNCHRONY FINANCIALData updated: 2026-06-05 · Current price: $70.84
Composite Score: 78
BUY
Score: 78 / 100
Strong fundamentals and attractive valuation — consider buying opportunities
Profitability
73
Growth
62
Valuation
83
Moat
36
Stability
80
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
21.2%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
0.0%
Quality threshold: > 5%
5-Year ROE: 21.2% → 21.1% → 16.1% → 23.4% → 30.9%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
6.1
Quality threshold: < 0.5
FCF (5yr avg)
8.4B $
Quality threshold: > 0
Current Ratio
1.16x
Quality threshold: > 1.5
FCF Trend (B USD)
$9.9B2022
$9.8B2023
$8.6B2024
$6.7B2025
$7.1B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$4.1B
Net Income + D&A - CapEx
Current Price
$70.84
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett