Synchrony Financial

SYF

Financial - Credit Services · Financial Services

Also trades as: 0LC3.L

Price

$79.47

+2.76 (+3.60%)

Market Cap

$25.86B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Strong

Cash Flow

Exceptional

Stability

Mixed

Valuation

Strong

Dividends

Good

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Share count falling — buybacks

−37.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 569.3M (2021) → 357.8M (2025)

Winston Score History

The full picture

Synchrony Financial is a consumer lending company that issues store credit cards and other financing products. It partners with retailers, healthcare providers, and auto dealers to offer customers a way to pay for purchases over time. Some of its well-known partners include Amazon, Lowe's, and PayPal, making it one of the largest private-label credit card issuers in the United States.

Synchrony makes money by charging interest and fees on the credit balances its cardholders carry. It operates almost entirely in the United States and manages roughly 70 million active accounts. Its main competitive advantage is its deep network of retail and healthcare partnerships, which are often locked in through multi-year contracts. The biggest risk the company faces is a rise in loan defaults — when consumers struggle to pay their bills, Synchrony absorbs those losses directly, which can quickly pressure earnings during economic downturns.

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10 Congressional buys and 5 sells on SYF in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+4.0% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$116.8B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Synchrony Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

83.7%

Premium pricing power — 83.7% gross margin

Profit after running costs

Operating Margin

29.7%

Excellent — 29.7% operating margin

Return on the money invested

ROCE

12.4%

Good — 12.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+2.4%

Nearly flat sales (+2.4% YoY)

Profit growth

EPS YoY

+18.7%

Earnings growing fast (+18.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

276%

Turns 276% of profit into real cash

Spare cash per sale

FCF Margin

48.7%

Converts sales into free cash efficiently (48.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

1.23

Elevated debt (1.23)

Covers its interest

Interest Cover

1.48x

Dangerous — barely covers interest (1.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

8.1x

Attractive valuation — P/E 8.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+0.5

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.58%

Small dividend — 1.58% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+12.7%

Dividend growing fast (12.7% YoY)

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