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Synchrony Financial (SYF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Synchrony Financial

SYFMarket cap $23BPrice $71.9

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Powers store credit cards for retailers like Amazon, Lowe's, and PayPal, financing everyday purchases most banks ignore. Nearly 70 million Americans carry a Synchrony-backed card without even knowing it.

In Bastion Portfolios?

52W Return+2%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%5

Revenue Forecast

Rev CAGR (1y)+1%3

Rev CAGR (3y)+4%3

Rev CAGR (5y)+3%2

Earnings Forecast

EPS Growth Y+1+3%4

EPS Growth Y+2-2%3

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%8

Net Income Margin36%9

Free Cash Flow Margin98%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE22%8

ROA3%5

Earnings Stability77

GEAR+AVERAGE61

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)79

P/BV1.58

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield1.9%5

Momentum

Short term

1 month return-9%3

3 month return+6%8

YTD return-13%3

Mid term

Price vs 52wHigh82%6

1 year return+3%5

Long term

3 year return+161%9

5 year return+61%6

Risk Shield

Price Risk

Beta1.52

Volatility32%6

Free Cash Flow

Free Cash Flow Margin98%10

Free Cash Flow Yield0.0%10

Quality

ROCE15%5

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SYFSynchrony Financial

Revenue FY25$15.0B

GROWTH RATING↗

WEAK17 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%5

Revenue, next 1Y+1%3

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E-2%3

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 6%/yr over the last 3 years and is set to keep growing around 4%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 4%/yr). One year dips: EPS falls 2% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 83% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE62 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return+6%8

YTD return-13%3

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+3%5

3-year return+161%9

5-year return+61%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +161% over three years and +61% over five, ahead of 70% of the market.

Strong recent results. The stock is outperforming over three months (+6%).

WATCH

It's up 3% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

WEAKNESSES

The stock is underperforming over the past month (-9%) and so far this year (-13%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on Synchrony. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

SYFSynchrony Financial

Revenue FY25$15.0B

GROWTH RATING↗

WEAK17 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%5

Revenue, next 1Y+1%3

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%4

EPS growth, FY27E-2%3

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 6%/yr over the last 3 years and is set to keep growing around 4%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 4%/yr). One year dips: EPS falls 2% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 83% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE62 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return+6%8

YTD return-13%3

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+3%5

3-year return+161%9

5-year return+61%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +161% over three years and +61% over five, ahead of 70% of the market.

Strong recent results. The stock is outperforming over three months (+6%).

WATCH

It's up 3% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

WEAKNESSES

The stock is underperforming over the past month (-9%) and so far this year (-13%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on Synchrony. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community