Stock

Synchrony Financial

SYF

Financial - Credit Services · Financial Services

Also trades as: 0LC3.L GBP 0.74 (+1.16%)

Price

$75.09

+0.98 (+1.32%)

Market Cap

$24.43B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Oct 23, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality

Good

19/30

Growth

Mixed

9/20

Cash Flow

Exceptional

10/10

Stability

Mixed

3/10

Valuation

Strong

7/10

Ownership

Weak

2/15

Dividends

Good

3/5

53 of 100 counted points = Winston Score 53.

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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.

Politician Trades

16 trades / 12mo

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

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Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

53.2%

Healthy — 53.2% gross margin

Profit after running costs

Operating Margin

24.6%

Excellent — 24.6% operating margin

Return on the money invested

ROCE

13.0%

Good — 13.0% 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

-1.8%

Shrinking sales (-1.8% YoY)

Profit growth

EPS YoY

+4.8%

Modest earnings growth (+4.8% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

287%

Turns 287% of profit into real cash

Spare cash per sale

FCF Margin

50.5%

Converts sales into free cash efficiently (50.5%)

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

1.03

Elevated debt (1.03)

Covers its interest

Interest Cover

1.12x

Dangerous — barely covers interest (1.1x)

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)

7.8x

Attractive valuation — P/E 7.8

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

Cheaper or dearer next year

P/E vs Forward

+0.2

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.87%

Small dividend — 1.87% 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)

Payout Ratio

13%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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