Synchrony Financial
Research Synchrony Financial (SYF) on Bullrun: valuation model: 25.9% undervalued, market cap USD 23.66B, P/E 7.5, dividend yield 1.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerSYF
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal25.9% undervalued
- Market capUSD 23.66B
- P/E7.5
- Dividend yield1.7%
- Financial periodQ2 2026
- RevenueUSD 3.72B
- Net incomeUSD 885.00M
- Free cash flowUSD 2.42B
Valuation Snapshot
Bullrun's latest valuation model marks Synchrony Financial as 25.9% undervalued; latest market cap is USD 23.66B; P/E is 7.5; dividend yield is 1.7%.
Peer valuation comparison
Latest P/E is 7.47x versus a Financial Services sector median of 13.39x (44.3% below).
Latest dividend yield is 1.68% versus a Financial Services sector median of 3.67% (54.2% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 14.98B | USD 3.55B | USD 9.85B | n/a | 9.28 | USD 14.97B | USD 15.18B | USD 16.77B |
| FY2024 | USD 15.06B | USD 3.50B | USD 9.85B | n/a | 8.55 | USD 14.71B | USD 15.46B | USD 16.58B |
| FY2023 | USD 13.63B | USD 2.24B | USD 8.59B | n/a | 5.19 | USD 14.26B | USD 15.98B | USD 13.90B |
| FY2022 | USD 11.67B | USD 3.02B | USD 6.69B | n/a | 6.15 | USD 10.29B | USD 14.19B | USD 12.87B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-09 | USD 23.66B | 7.5 | 1.7% | 1.24 |
| 2025 | 2025-12-31 | USD 28.98B | 9.0 | 1.4% | 1.15 |
| 2024 | 2024-12-31 | USD 25.24B | 7.6 | 1.5% | 1 |
| 2023 | 2023-12-29 | USD 15.80B | 7.1 | 2.5% | 0.96 |
| 2022 | 2022-12-30 | USD 14.80B | 5.2 | 2.7% | 0.9 |
| 2021 | 2021-12-31 | USD 24.44B | 6.3 | 1.9% | 0.88 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.24 USD, yield 1.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.15 USD |
| FY2024 | 1 USD |
| FY2023 | 0.96 USD |
| FY2022 | 0.9 USD |
About Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products;
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Frequently asked questions
Is Synchrony Financial overvalued or undervalued?
Bullrun's valuation model currently marks Synchrony Financial as 25.9% undervalued.
What is Synchrony Financial's market cap?
Synchrony Financial's market capitalization is USD 23.66B.
What is Synchrony Financial's P/E ratio?
Synchrony Financial's price-to-earnings (P/E) ratio is 7.5.
Does Synchrony Financial pay a dividend?
Synchrony Financial has a dividend yield of 1.7%.
What does Synchrony Financial do?
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.