Synchrony Financial (SYF) — Stock Score Summary

Synchrony Financial (SYF) has a MoatMap StockRank of 37/100 based on Quality (56/100), Value (40/100), and Momentum (28/100) factor scores. The current signal is HOLD. Synchrony Financial is a consumer credit card issuer facing cyclical headwinds from rising consumer delinquency rates and regulatory caps on late fees. It lacks a structural macro tailwind from our core themes and carries significant credit risk, failing our quality and moat criteria.

Synchrony Financial is one of the largest providers of private label credit cards in the United States, offering customized financing programs, installment loans, and consumer financing. The company partners with major retailers and healthcare providers, embedding its financing solutions directly into their customer journeys. Synchrony benefits from deep industry relationships, robust data analytics, and strong risk management capabilities in the consumer finance sector.

Key Financial Metrics

Price$70.46
Market Cap$24.0B
P/E (TTM)7.33
P/E (Forward)6.75
Price/Book1.56
Return on Equity21.8%
Gross Margin0.0%
Operating Margin48.0%
Revenue Growth6.1%
Dividend Yield1.7%

Synchrony Financial operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Synchrony Financial’s (SYF) StockRank?
MoatMap’s StockRank for Synchrony Financial (SYF) is 37/100, with a Hold signal. It is a composite of Quality (56), Value (40), and Momentum (28) factor ranks across MoatMap’s 19,000+ stock universe.
Does Synchrony Financial have an economic moat?
Synchrony Financial (SYF) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Synchrony Financial a buy, hold, or sell?
MoatMap’s current signal for Synchrony Financial (SYF) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Synchrony Financial in?
Synchrony Financial (SYF) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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