Synchrony Financial (SYF) Fundamental Analysis: Revenue, Earnings & Valuation

5.58 / 10

Netural

Fundamental analysis rates the stock neutral (5.6/10). Strengths include gross profit margin, EBIT‑to‑revenue, Asset‑MV and Cash‑MV, all scoring high. Weaknesses are low total‑assets turnover, minimal profit‑YoY growth and a negative net‑profit margin, yielding a moderate overall profile.

Analysis Checks(6/10)

Gross profit margin (%)

Value48.34

Score2/3

Weight1.66%

1M Return0.94%

Total profit (YoY growth rate %)

Value1.49

Score0/3

Weight-2.99%

1M Return-2.00%

Net cash flow from operating activities (YoY growth rate %)

Value0.03

Score3/3

Weight18.37%

1M Return8.49%

Net profit margin (%)

Value-1161.70

Score0/3

Weight3.75%

1M Return2.13%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight6.16%

1M Return3.38%

Operating revenue (YoY growth rate %)

Value178.81

Score1/3

Weight5.76%

1M Return3.12%

Total assets turnover ratio

Value0.82

Score1/3

Weight5.61%

1M Return3.15%

EBIT / Total operating revenue (%)

Value-934.44

Score2/3

Weight4.42%

1M Return2.48%

Asset-MV

Value-0.55

Score3/3

Weight48.76%

1M Return16.13%

Cash-MV

Value1.37

Score2/3

Weight8.50%

1M Return4.28%

Is SYF undervalued or overvalued?

SYF scores 5.58/10 on fundamentals and holds a Fair valuation at present. Backed by its 20.81% ROE, 23.71% net margin, 6.69 P/E ratio, 1.38 P/B ratio, and 8.56% earnings growth, these metrics solidify its Netural investment rating.