SYF
Synchrony Financial·NYSE
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5.99 / 10
Netural
SYF's fundamentals score 6.0/10, reflecting a balanced but not outstanding profile. Key strengths include a high gross profit margin of 48.17% and favorable Asset-MV (-0.5033) and Profit-MV (1.8361) differentials, which rank in top groups and historically yield positive returns. However, a negative net profit margin (-1256.29%) and low total assets turnover ratio (0.9278) are notable weaknesses. The Total profit (YoY) growth is minimal (1.49%), and EBIT efficiency is poor (-512.37%), tempering overall fundamental appeal. Investors should appreciate the liquidity and margin strength but remain cautious about profitability and asset utilization.
Analysis Checks(7/10)
Gross profit margin (%)
Value48.17
Score2/3
Weight1.84%
1M Return1.27%
Value48.17
Score2/3
Weight1.84%
1M Return1.27%
Total profit (YoY growth rate %)
Value1.49
Score0/3
Weight-3.40%
1M Return-3.00%
Value1.49
Score0/3
Weight-3.40%
1M Return-3.00%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight4.67%
1M Return3.12%
Value100.00
Score2/3
Weight4.67%
1M Return3.12%
Total assets turnover ratio
Value0.93
Score1/3
Weight4.92%
1M Return3.38%
Value0.93
Score1/3
Weight4.92%
1M Return3.38%
Asset-MV
Value-0.50
Score3/3
Weight46.25%
1M Return16.94%
Value-0.50
Score3/3
Weight46.25%
1M Return16.94%
Profit-MV
Value1.84
Score3/3
Weight16.71%
1M Return9.34%
Value1.84
Score3/3
Weight16.71%
1M Return9.34%
Net profit margin (%)
Value-1256.29
Score2/3
Weight3.99%
1M Return2.69%
Value-1256.29
Score2/3
Weight3.99%
1M Return2.69%
Operating revenue (YoY growth rate %)
Value64.40
Score1/3
Weight5.19%
1M Return3.29%
Value64.40
Score1/3
Weight5.19%
1M Return3.29%
EBIT / Total operating revenue (%)
Value-512.37
Score2/3
Weight3.94%
1M Return2.61%
Value-512.37
Score2/3
Weight3.94%
1M Return2.61%
Cash-MV
Value0.14
Score2/3
Weight15.90%
1M Return7.48%
Value0.14
Score2/3
Weight15.90%
1M Return7.48%
Gross profit margin (%)
Value48.17
Score2/3
Weight1.84%
1M Return1.27%
Value48.17
Score2/3
Weight1.84%
1M Return1.27%
Profit-MV
Value1.84
Score3/3
Weight16.71%
1M Return9.34%
Value1.84
Score3/3
Weight16.71%
1M Return9.34%
Total profit (YoY growth rate %)
Value1.49
Score0/3
Weight-3.40%
1M Return-3.00%
Value1.49
Score0/3
Weight-3.40%
1M Return-3.00%
Net profit margin (%)
Value-1256.29
Score2/3
Weight3.99%
1M Return2.69%
Value-1256.29
Score2/3
Weight3.99%
1M Return2.69%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight4.67%
1M Return3.12%
Value100.00
Score2/3
Weight4.67%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value64.40
Score1/3
Weight5.19%
1M Return3.29%
Value64.40
Score1/3
Weight5.19%
1M Return3.29%
Total assets turnover ratio
Value0.93
Score1/3
Weight4.92%
1M Return3.38%
Value0.93
Score1/3
Weight4.92%
1M Return3.38%
EBIT / Total operating revenue (%)
Value-512.37
Score2/3
Weight3.94%
1M Return2.61%
Value-512.37
Score2/3
Weight3.94%
1M Return2.61%
Asset-MV
Value-0.50
Score3/3
Weight46.25%
1M Return16.94%
Value-0.50
Score3/3
Weight46.25%
1M Return16.94%
Cash-MV
Value0.14
Score2/3
Weight15.90%
1M Return7.48%
Value0.14
Score2/3
Weight15.90%
1M Return7.48%
Is SYF undervalued or overvalued?
- SYF scores 5.99/10 on fundamentals and holds a Fair valuation at present. Backed by its 20.81% ROE, 23.71% net margin, 7.53 P/E ratio, 1.56 P/B ratio, and 8.56% earnings growth, these metrics solidify its Netural investment rating.
