Synchrony Financial (SYF) Stock Analysis
Last updated Oct 27, 2026
Published Opportunity
Published 2 times (first Jul 3, 2026, latest Aug 3, 2026). Cards show equal-weight average entry, return, and QQQ across those signals; the chart starts at the first publication and averages active signals by day.
Health Check
Last analyzed Oct 23, 2026
- Financial Health 50
- Profitability 60
- Business Quality 50
- Balance Sheet 50
- Cash Flow 60
Why this rating?
Health 53/100 — Acceptable
Entry timing is weak right now. Quality may be fine; the setup is not.
Company overview
Synchrony Financial (SYF) is a Credit Services company in the Financial Services sector. Compound Radar rates Synchrony Financial 53/100 (Acceptable) due to solid business quality and attractive valuation.
Investment profile
- Quality Moderate
- Growth Soft
- Balance Sheet Unknown
- Valuation Attractive
Financial highlights
Valuation
- P/E 7.83
- Forward P/E 7.15
- PEG 0.92
- EV/Revenue 2.67
Profitability
- Revenue Growth -4.7%
- Gross Margin 0.0%
- Operating Margin 49.8%
- Net Margin 34.1%
- ROE 19.8%
Financial strength
- Cash $15.90B
- Debt $17.03B
- Net Cash $-1.12B
- Free Cash Flow $9.85B
Similar companies
Peers in Credit Services, ranked by Financial Health.
Latest quoted price for the name. Helps anchor the setup in today’s market level.
Health Entry- Sezzle Inc. Credit Services SEZL$127.36 80 Health 80 / 100
Strong business quality across profitability, growth, balance sheet, and cash flow.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- PayPal Holdings, Inc. Credit Services PYPL$56.09 69 Health 69 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- American Express Company Credit Services AXP$312.91 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Visa Inc. Credit Services V$401.86 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Mastercard Incorporated Credit Services MA$609.85 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- Affirm Holdings, Inc. Credit Services AFRM$72.68 65 Health 65 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Upstart Holdings, Inc. Credit Services UPST$23.71 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- EZCORP, Inc. Credit Services EZPW$29.55 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
FAQ
How Compound Radar scores and tracks Synchrony Financial (SYF).