Synchrony Financial (SYF) Stock Analysis
Verdict: HOLD
Deep valuation discount (7x P/E) vs historical peers suggests a floor despite near-term credit tightening and impending Q2 earnings risk.
Investment score: 64/100
Analysis as of
Is Synchrony Financial stock worth reviewing? AI model thesis
Synchrony Financial (SYF) is currently penalized by macro fears despite robust fundamental growth and high margins. The stock is a 'Hold' heading into earnings.
7-factor investment score
- Valuation: 78/100 (weight 20%)
- Financial Health: 65/100 (weight 15%)
- Technical Momentum: 40/100 (weight 15%)
- Earnings Quality: 72/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 75/100 (weight 10%)
- Risk-Adjusted Return: 60/100 (weight 15%)
Synchrony Financial opportunities and risks
What speaks for SYF
- Significant Valuation Gap
What speaks against SYF
- Impending Earnings Catalyst Risk
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| SYF | 7.1x | 1.2x | 3.7x | 61.1% | 18.1% | 42.5% |
| AXP | 21.0x | 2.8x | 12.5x | 83.5% | 13.6% | 6.2% |
| COF | 67.7x | 1.6x | 10.1x | 48.3% | 4.3% | 24.3% |
| SOFI | 36.7x | 4.4x | 23.5x | 76.0% | 11.2% | -11.3% |
| ALLY | 10.6x | 0.9x | 8.1x | 48.9% | 8.9% | 0.1% |
| FCFS | 27.0x | 2.4x | 11.5x | 49.7% | 9.1% | 5.8% |
| Peer median | 27.0x | 2.4x | 11.5x | 49.7% | 9.1% | 5.8% |
Frequently asked questions about Synchrony Financial (SYF)
Is SYF stock a good investment?
The cached TradeMates AI model rates Synchrony Financial as HOLD with an investment score of 64/100. Synchrony Financial (SYF) is currently penalized by macro fears despite robust fundamental growth and high margins. The stock is a 'Hold' heading into earnings. This is algorithmic model output, not personal investment advice.
Is SYF stock a buy?
The TradeMates model verdict for SYF is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.