Synchrony Financial (SYF) fundamentals: P/E, valuation, undervalued?
Synchrony Financial · Financials · ref. ETF XLF · price $73.59
In short — Synchrony Financial trades at 7.5× earnings (P/E), 7.0× forward, with a net margin of 35.5 % and revenue growth of +1 %. Read: Low P/E (P/E 8 (below the ~20 market average)).
Is Synchrony Financial stock cheap or undervalued? A good time to buy? Here are its fundamentals — P/E, PEG, margin and income statement — to judge its valuation.
📈 1-year price
$73.59+1.0% over range
Oct 14, 25low $63.78 · high $88.47Oct 13, 26
📏 Click 2 points (left → right) to measure the change · click again to clear.
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Hold
47% recommend buying · 15 analysts
Valuation : Low P/E — P/E 8 (below the ~20 market average)
Valuation
7.5
P/E (price/earnings)
7.0
Forward P/E
2.09
PEG
1.6
Price/book (P/B)
$23.9B
Market cap
9.77
EPS
Profitability & growth
35.5 %
Net margin
+1 %
Revenue growth
+4 %
Earnings growth
$16.4B
Total debt
Synchrony Financial income statement
| Fiscal year | Revenue | Net income | Margin |
|---|---|---|---|
| 2022 | $11.7B | $3.0B | 25.5 % |
| 2023 | $13.6B | $2.2B | 16.1 % |
| 2024 | $16.1B | $3.4B | 21.3 % |
| 2025 | $15.0B | $3.5B | 23.2 % |
⚠️ Indicative financial data (Yahoo Finance), not investment advice. Amounts in $.
Frequently asked questions
What is Synchrony Financial's P/E and is the stock undervalued? What's a good P/E?
Synchrony Financial's P/E is 7.5 (forward 7.0). Below ~15 = fairly cheap, above ~30 = expensive. Our valuation verdict: "Low P/E".
Is Synchrony Financial profitable?
Synchrony Financial has a net margin of 35.5 % (EPS 9.77). The company is profitable.
Is SYF stock expensive?
Our read: "Low P/E" — P/E 8 (below the ~20 market average). Cross-check with growth and sector.
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