Synchrony Financial (SYF) is a Financial - Credit Services company in the Financial Services sector, currently trading at $75.55. It has a SharesGrow Score of 70/100, indicating a above average investment profile with 5 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of SYF = $155.90 (+106.4% from the current price, the stock appears undervalued). Analyst consensus target is SYF = $90 (+19.2% upside).
Valuation: SYF trades at a trailing Price-to-Earnings (P/E) of 7.2 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.59.
Financials: revenue is $19.1B, +47.5%/yr average growth. Net income is $3.6B, growing at +10.7%/yr. Net profit margin is 18.6% (healthy). Gross margin is 51% (-40.4 pp trend).
Balance sheet: total debt is $15.2B against $16.8B equity (Debt-to-Equity (D/E) ratio 0.91, moderate). Current ratio is 0.21 (tight liquidity). Debt-to-assets is 12.7%. Total assets: $119.1B.
Analyst outlook: 26 / 41 analysts rate SYF as buy (63%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 76/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 69/100 (Partial), Future 67/100 (Pass), Income 70/100 (Pass).
