May 08, 2026 a 11:43 am
SYF: Fundamental Ratio Analysis - Synchrony Financial
Synchrony Financial, a leader in consumer financial services, exhibits strong fundamentals supported by its diverse credit products and banking solutions. While its robust offerings in the retail and healthcare sectors make it a competitive player, monitoring credit policies and market adaptability is essential. The stock reflects a balance of opportunity against economic fluctuations.
Fundamental Rating
Synchrony Financial maintains a solid "A" rating with an impressive overall score, driven by strong returns and a moderate debt load.
| Category | Score | Score Visualization |
|---|---|---|
| Discounted Cash Flow (DCF) | 5 | |
| Return on Equity (ROE) | 5 | |
| Return on Assets (ROA) | 5 | |
| Debt to Equity | 2 | |
| Price to Earnings (P/E) | 4 | |
| Price to Book (P/B) | 2 |
Historical Rating
The scores indicate consistency over the recent period, reflecting the company’s stable financial performance.
| Date | Overall | DCF | ROE | ROA | Debt to Equity | P/E | P/B |
|---|---|---|---|---|---|---|---|
| 2026-05-07 | 4 | 5 | 5 | 5 | 2 | 4 | 2 |
| Previous | 0 | 5 | 5 | 5 | 2 | 4 | 2 |
Analyst Price Targets
Analyst projections suggest a positive outlook, with a consensus target indicating potential growth.
| High | Low | Median | Consensus |
|---|---|---|---|
| 100 | 82 | 93 | 90.55 |
Analyst Sentiment
The stock garners strong buy recommendations, reinforcing its favorable standing among analysts.
| Recommendation | Count | Visualization |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 25 | |
| Hold | 15 | |
| Sell | 0 | |
| Strong Sell | 1 |
Conclusion
Synchrony Financial demonstrates strong potential with favorable analyst ratings and consistent financial fundamentals. Its diverse product offerings and strategic partnerships strengthen its market position. However, economic variability and regulatory changes pose inherent risks. Investors should weigh these aspects considering the attractive elements of the stock’s valuation and growth forecasts.
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