Synchrony Financial
SYFSynchrony Financial's three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it.
Biggest watch item: the P/BV sits at the 67th percentile of its own range — the multiple has already done part of the work.
The price is building a base (1 weeks in) while the P/BV sits at the 67th percentile of its own 5-year range. Underneath, the last four quarters read deteriorating — profit −9.5% year on year, with the the net margin at 34.1%. What settles it: the next one or two quarters of delivery.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Synchrony Financial trades at $74.9, building a base and 1 weeks into that stage. That is −0.4% against its own 200-day average. It sits at 48% of a 52-week range of $64 to $87. On relative strength it is currently behind the S&P 500 on a trailing-13-week view (1 week and counting).
Today the stock is building a base — week 1 of stage 1. At $74.9 it trades −0.4% versus its 200-day average and sits at 48% of its 52-week range ($64–$87).
Against the market, two honest reads. Cumulative: over the last 10.2 years the stock moved +174% while the S&P 500 moved +255% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (1 week and counting; last ahead the week of 2026-09-11) — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Synchrony Financial trades at 1.6× P/BV, mid-range by its own standards (67th percentile). Its long-run median P/BV is 1.4×, measured across 5.2 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 1.6× is mid-range by its own standards (67th percentile), against a long-run median of 1.4× measured over 5.2 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
Why the multiple sits where it does: over the past year book value grew while the price moved −2.2% — the price ran ahead of the book, pushing the multiple up its own range.
The price move, decomposed: over 5y, of the +9.1%/yr price move, ~+13.9%/yr came from book-value growth and ~−4.8 pp from the multiple (compressing). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is full against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Consistent Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Synchrony Financial reads as consistent on its fundamental arc. Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 20.3% and holding. The read is built from 12 quarters across 4 curves, on full evidence.
Why it matters: steady curves with healthy returns are the compounding setup — the risk is the price, not the business.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +3.9% | +5.5% | — | — |
| Profit | +1.2% | +5.3% | — | — |
| EPS | +8.5% | +14.7% | — | — |
| Stock price | −2.2% | +32.1% | +9.1% | +10.8% |
4-Factor Sector Score
56.3/100 — rank 7 of 28 in Credit Services · 80% evidence confidence
Synchrony Financial scores 56.3 out of 100 against the 28 companies it is compared with in Credit Services, ranking 7. Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity.
The four contributions add to the total exactly: 14.1 + 18.1 + 16.3 + 7.8 = 56.3. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
Synchrony Financial reported $2.5 B of income in the Jun 26 quarter, +0.8% year on year. That is the 5th straight quarter of year-on-year growth. Over 4 years it has compounded at 0.8% a year. The last full year, FY25, came in at $9.8 B. The last four reported quarters add to $9.9 B.
FY25 revenue came in at $9.8 B (+3.9% on the year), capping 4 years at 0.8% compound. The latest quarter (Jun 26) printed $2.5 B, +0.8% year on year — the 5th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +8.1% growth against the decade's 0.8% — the current year is running faster than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +7.8% over the last 4 quarters against +6.3%/yr over the last 8 — stabilising; TTM profit +6.9% vs +7.8%/yr — stabilising.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
Synchrony Financial's net margin is 34.1% in the Jun 26 quarter, −3.9 percentage points against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 28.7% to 44.1%. The current quarter sits inside that band.
The latest quarter's net margin is 34.1%, −3.9 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 28.7%–44.1%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Synchrony Financial earned $0.9 B of net profit in the Jun 26 quarter, −9.5% year on year. Full-year FY25 profit was $3.5 B. The 4-year compound rate is −4.5%. That is 34.1% of the quarter's revenue. The same quarter a year earlier earned $0.9 B.
Jun 26 profit was $0.9 B, −9.5% year on year. On the full year, FY25 printed $3.5 B (+1.2%), and the 4-year compound rate is −4.5%.
🚨 Why profit moved: revenue contributed +0.8% and the margin −3.9 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit +7.7% vs revenue +8.1%. Profit and revenue are moving roughly in step.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Synchrony Financial, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Synchrony Financial's revenue grew +3.9% in FY25 to $9.8 B, so the book is growing. The latest quarter ran +0.8% year on year. The net margin on that income is 34.1%, −3.9 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $9.8 B, +3.9% on the year, and the latest quarter ran +0.8% year on year. The net margin on that revenue is 34.1% this quarter (−3.9 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Synchrony Financial earns a return on equity of 21% in FY25. Its trough over the ladder below was 16% in FY23. On the asset side every $100 of the balance sheet earned about $2.90, which is the return before leverage is applied.
FY25 ROE came in at 21%, recovered from a FY23 trough of 16%. On assets, the latest reading is about 2.90% — every $100 the bank deploys earns roughly $2.90 a year. That clears the bar a bank must beat for its book value to compound.
Why ROE moved: profit compounded −4.5% a year over 4 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.
Dividend A dividend is cash paid out per share. Dividend per share is the declared amount for the period; the trailing twelve-month total is the four most recent quarters added together.
Synchrony Financial paid $1.20 per share over the last four reported quarters. The most recent declaration was $0.30 for Jun 26. Against the current price of $74.9 that is a trailing yield of 1.60%, measured on dividends already paid rather than on a forecast.
Synchrony Financial paid $1.20 per share across the last four reported quarters, most recently $0.30 for Jun 26. Against the current price of $74.9 the trailing twelve months work out to 1.60% — trailing dividends measured against today's price, not a forward estimate.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
5.5% of Synchrony Financial's tradable float is currently sold short — some money is positioned against it. At typical trading volumes those positions would take about 5.6 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 5.5% of the float is sold short, and at typical trading volumes it would take about 5.6 days to buy those positions back. Some money is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Synchrony Financial: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Encore Capital Group, Inc.ECPG | 64.9/100Thin evidence · provisional53% evidence | LEADER | 21.1/35 Income 34% · PAT — 29% evidence | 13.1/25 ROA — · ROE 9.3% · GNPA — 34% evidence | 13.4/20 P/BV 1.46× · P/BV÷ROE 0.16 70% evidence | 17.3/20 RS sector 39.2% · RS bench 33.5% · 1Y 121%11 of 12 weeks ahead 100% evidence |
| Exact sum: 21.1 + 13.1 + 13.4 + 17.3 = 64.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 2Mastercard IncorporatedMA | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 24.5/35 Income 16% · PAT 19.7% 81% evidence | 20.8/25 ROA 24% · ROE 214.7% · GNPA — 68% evidence | 4.6/20 P/BV 80.95× · P/BV÷ROE 0.38 70% evidence | 14.4/20 RS sector 3.9% · RS bench -1.1% · 1Y -2.8%8 of 12 weeks ahead 100% evidence |
| Exact sum: 24.5 + 20.8 + 4.6 + 14.4 = 64.3 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 3Visa Inc.V | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 20.6/35 Income 14.4% · PAT 11.7% 81% evidence | 20.3/25 ROA 19.7% · ROE 64.7% · GNPA — 68% evidence | 7.6/20 P/BV 18.06× · P/BV÷ROE 0.28 70% evidence | 15.8/20 RS sector 8.4% · RS bench 3.2% · 1Y 8.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 20.6 + 20.3 + 7.6 + 15.8 = 64.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4EZCORP, Inc.EZPW | 60.2/100Mixed-positive evidence76% evidence | ASLEEP | 26.1/35 Income 22.9% · PAT 66.3% 71% evidence | 13.1/25 ROA 2.6% · ROE 5% · GNPA — 68% evidence | 8.3/20 P/BV 1.4× · P/BV÷ROE 0.28 70% evidence | 12.7/20 RS sector 15.4% · RS bench 10.7% · 1Y 73.5%2 of 12 weeks ahead 100% evidence |
| Exact sum: 26.1 + 13.1 + 8.3 + 12.7 = 60.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Affirm Holdings, Inc.AFRM | 59.2/100Mixed-positive evidence67% evidence | ASLEEP | 23.6/35 Income 32.1% · PAT — 45% evidence | 14.9/25 ROA 2.4% · ROE 15.1% · GNPA — 68% evidence | 8.6/20 P/BV 4.03× · P/BV÷ROE 0.27 70% evidence | 12.1/20 RS sector 5.1% · RS bench -0.4% · 1Y -22.3%8 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 14.9 + 8.6 + 12.1 = 59.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Credit Acceptance CorporationCACC | 57.2/100Mixed-positive evidence62% evidence | FADING | 23.6/35 Income 20.5% · PAT 56.2% 55% evidence | 12.7/25 ROA — · ROE 8.4% · GNPA — 34% evidence | 5.4/20 P/BV 2.92× · P/BV÷ROE 0.35 70% evidence | 15.5/20 RS sector 15.3% · RS bench 10% · 1Y 18.6%9 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 12.7 + 5.4 + 15.5 = 57.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Synchrony Financialthis pageSYF | 56.3/100Mixed-positive evidence80% evidence | ASLEEP | 14.1/35 Income 7.9% · PAT 7.2% 81% evidence | 18.1/25 ROA 2.7% · ROE 19.4% · GNPA — 68% evidence | 16.3/20 P/BV 1.51× · P/BV÷ROE 0.08 70% evidence | 7.8/20 RS sector -1.7% · RS bench -6.5% · 1Y -2.2%4 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 18.1 + 16.3 + 7.8 = 56.3 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 8Sezzle Inc.SEZL | 55.8/100Mixed-positive evidence76% evidence | FADING | 18.7/35 Income 46.5% · PAT 40.6% 71% evidence | 18.6/25 ROA 14.3% · ROE 31.8% · GNPA — 68% evidence | 5.5/20 P/BV 10.81× · P/BV÷ROE 0.34 70% evidence | 13.0/20 RS sector 24% · RS bench 18.1% · 1Y 28.1%8 of 12 weeks ahead 100% evidence |
| Exact sum: 18.7 + 18.6 + 5.5 + 13 = 55.8 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 9Atlanticus Holdings CorporationATLC | 55.1/100Mixed-positive evidence70% evidence | FADING | 20.0/35 Income 68.7% · PAT 17.4% 71% evidence | 10.2/25 ROA 0.8% · ROE 7.1% · GNPA — 68% evidence | 8.6/20 P/BV 1.22× · P/BV÷ROE 0.17 70% evidence | 16.3/20 RS sector 26.9% · RS bench 21% · 1Y 32.7%9 of 12 weeks ahead 70% evidence |
| Exact sum: 20 + 10.2 + 8.6 + 16.3 = 55.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10American Express CompanyAXP | 50.3/100Mixed-positive evidence72% evidence | ASLEEP | 17.9/35 Income — · PAT 12.9% 60% evidence | 19.0/25 ROA 3.9% · ROE 35.2% · GNPA — 68% evidence | 10.7/20 P/BV 6.73× · P/BV÷ROE 0.19 70% evidence | 2.7/20 RS sector -9.1% · RS bench -13.6% · 1Y -8.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.9 + 19 + 10.7 + 2.7 = 50.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Capital One Financial CorporationCOF | 46.4/100Thin evidence · provisional54% evidence | ASLEEP | 22.9/35 Income 100% · PAT — 33% evidence | 10.6/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.2/20 P/BV 1.08× · P/BV÷ROE 0.4 70% evidence | 7.7/20 RS sector -4.4% · RS bench -9.2% · 1Y -11%7 of 12 weeks ahead 100% evidence |
| Exact sum: 22.9 + 10.6 + 5.2 + 7.7 = 46.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 12Enova International, Inc.ENVA | 44.4/100Mixed-negative evidence60% evidence | FADING | 17.8/35 Income — · PAT — 26% evidence | 15.2/25 ROA 2.7% · ROE 7.7% · GNPA — 68% evidence | 4.1/20 P/BV 4× · P/BV÷ROE 0.52 70% evidence | 7.3/20 RS sector 0.9% · RS bench -3.8% · 1Y 36.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 17.8 + 15.2 + 4.1 + 7.3 = 44.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Jefferson Capital, Inc.JCAP | 44.0/100Mixed-negative evidence70% evidence | BREAKING OUT | 10.2/35 Income 29.9% · PAT 1.3% 71% evidence | 16.8/25 ROA 5.7% · ROE 8.6% · GNPA — 68% evidence | 8.0/20 P/BV 2.4× · P/BV÷ROE 0.28 70% evidence | 9.0/20 RS sector -0.3% · RS bench -5% · 1Y 14.1%6 of 12 weeks ahead 70% evidence |
| Exact sum: 10.2 + 16.8 + 8 + 9 = 44 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14SoFi Technologies, Inc.SOFI | 41.8/100Mixed-negative evidence72% evidence | ASLEEP | 20.1/35 Income — · PAT 13.6% 60% evidence | 10.1/25 ROA 1.3% · ROE 6.3% · GNPA — 68% evidence | 6.7/20 P/BV 2.08× · P/BV÷ROE 0.33 70% evidence | 4.9/20 RS sector -21.3% · RS bench -25.6% · 1Y -42.9%4 of 12 weeks ahead 100% evidence |
| Exact sum: 20.1 + 10.1 + 6.7 + 4.9 = 41.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 15Nelnet, Inc.NNI | 41.0/100Mixed-negative evidence62% evidence | BASING | 20.8/35 Income 18.6% · PAT 52.5% 55% evidence | 10.0/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.0/20 P/BV 1.24× · P/BV÷ROE 0.46 70% evidence | 5.2/20 RS sector -4.6% · RS bench -9.1% · 1Y 0.3%0 of 12 weeks ahead 100% evidence |
| Exact sum: 20.8 + 10 + 5 + 5.2 = 41 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16OneMain Holdings, Inc.OMF | 40.3/100Mixed-negative evidence60% evidence | FADING | 16.0/35 Income — · PAT — 26% evidence | 8.4/25 ROA 0.6% · ROE 4.5% · GNPA — 68% evidence | 4.8/20 P/BV 2.07× · P/BV÷ROE 0.46 70% evidence | 11.1/20 RS sector -0.2% · RS bench -5.1% · 1Y -0.4%7 of 12 weeks ahead 100% evidence |
| Exact sum: 16 + 8.4 + 4.8 + 11.1 = 40.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17PayPal Holdings, Inc.PYPL | 37.6/100Mixed-negative evidence80% evidence | BREAKING OUT | 9.8/35 Income 5.7% · PAT 4.8% 81% evidence | 12.0/25 ROA 1.5% · ROE 5.5% · GNPA — 68% evidence | 5.9/20 P/BV 1.88× · P/BV÷ROE 0.34 70% evidence | 9.9/20 RS sector -3.2% · RS bench -8.3% · 1Y -22.7%10 of 12 weeks ahead 100% evidence |
| Exact sum: 9.8 + 12 + 5.9 + 9.9 = 37.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 18The Western Union CompanyWU | 37.4/100Thin evidence · provisional54% evidence | BASING | 13.6/35 Income — · PAT — 26% evidence | 12.7/25 ROA 1.3% · ROE 8.5% · GNPA — 68% evidence | 7.1/20 P/BV 2.62× · P/BV÷ROE 0.31 70% evidence | 4.0/20 RS sector -25.2% · RS bench -28.7% · 1Y -19.7%0 of 12 weeks ahead 70% evidence |
| Exact sum: 13.6 + 12.7 + 7.1 + 4 = 37.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 19Navient CorporationNAVI | 36.1/100Thin evidence · provisional53% evidence | BREAKING OUT | 14.1/35 Income -63% · PAT -206.9% 29% evidence | 9.1/25 ROA — · ROE 0.7% · GNPA — 34% evidence | 4.6/20 P/BV 0.32× · P/BV÷ROE 0.46 70% evidence | 8.3/20 RS sector -4.7% · RS bench -9.8% · 1Y -26.8%6 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 9.1 + 4.6 + 8.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 20Upstart Holdings, Inc.UPST | 35.2/100Thin evidence · provisional55% evidence | ASLEEP | 18.3/35 Income 57.6% · PAT — 45% evidence | 4.0/25 ROA -0.3% · ROE -0.9% · GNPA — 68% evidence | 9.5/20 P/BV 3.35× · P/BV÷ROE — 10% evidence | 3.4/20 RS sector -31.7% · RS bench -35.6% · 1Y -63.4%2 of 12 weeks ahead 100% evidence |
| Exact sum: 18.3 + 4 + 9.5 + 3.4 = 35.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 21Federal Agricultural Mortgage CorporationAGM | 54.3/100Thin evidence · provisional46% evidence | LEADER | 17.2/35 Income — · PAT — 10% evidence | 11.3/25 ROA — · ROE 3.9% · GNPA — 34% evidence | 7.5/20 P/BV 1.17× · P/BV÷ROE 0.3 70% evidence | 18.3/20 RS sector 20.8% · RS bench 15.1% · 1Y 20.2%12 of 12 weeks ahead 100% evidence |
| Exact sum: 17.2 + 11.3 + 7.5 + 18.3 = 54.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 22Bread Financial Holdings, Inc.BFH | 51.3/100Thin evidence · provisional46% evidence | FADING | 17.0/35 Income — · PAT — 10% evidence | 11.2/25 ROA — · ROE 4.5% · GNPA — 34% evidence | 8.6/20 P/BV 1.25× · P/BV÷ROE 0.28 70% evidence | 14.5/20 RS sector 28.6% · RS bench 22.9% · 1Y 69.9%9 of 12 weeks ahead 100% evidence |
| Exact sum: 17 + 11.2 + 8.6 + 14.5 = 51.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 23World Acceptance CorporationWRLD | 47.8/100Thin evidence · provisional46% evidence | FADING | 18.1/35 Income — · PAT — 10% evidence | 9.5/25 ROA — · ROE 2% · GNPA — 34% evidence | 4.0/20 P/BV 1.79× · P/BV÷ROE 0.9 70% evidence | 16.2/20 RS sector 15.3% · RS bench 9.8% · 1Y 7.8%10 of 12 weeks ahead 100% evidence |
| Exact sum: 18.1 + 9.5 + 4 + 16.2 = 47.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 24FirstCash Holdings, Inc.FCFS | 44.2/100Thin evidence · provisional46% evidence | ASLEEP | 17.6/35 Income — · PAT — 10% evidence | 11.5/25 ROA — · ROE 4.2% · GNPA — 34% evidence | 3.3/20 P/BV 4.05× · P/BV÷ROE 0.96 70% evidence | 11.8/20 RS sector 12.6% · RS bench 7.9% · 1Y 50%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.6 + 11.5 + 3.3 + 11.8 = 44.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 25SLM CorporationSLM | 41.6/100Thin evidence · provisional46% evidence | BREAKING OUT | 16.6/35 Income — · PAT — 10% evidence | 10.0/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 4.2/20 P/BV 1.97× · P/BV÷ROE 0.82 70% evidence | 10.8/20 RS sector -0.4% · RS bench -5.4% · 1Y -11.1%10 of 12 weeks ahead 100% evidence |
| Exact sum: 16.6 + 10 + 4.2 + 10.8 = 41.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 26Lufax Holding LtdLU | 37.8/100Thin evidence · provisional29% evidence | BASING | 15.5/35 Income -11.2% · PAT — 18% evidence | 9.5/25 ROA — · ROE -0.7% · GNPA — 26% evidence | 9.8/20 P/BV 0.19× · P/BV÷ROE — 10% evidence | 3.0/20 RS sector -46.2% · RS bench -49.1% · 1Y -63.9%0 of 12 weeks ahead 70% evidence |
| Exact sum: 15.5 + 9.5 + 9.8 + 3 = 37.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 27Ally Financial Inc.ALLY | 36.7/100Thin evidence · provisional46% evidence | ASLEEP | 17.1/35 Income — · PAT — 10% evidence | 10.5/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.4/20 P/BV 0.9× · P/BV÷ROE 0.34 70% evidence | 2.7/20 RS sector -6.2% · RS bench -10.6% · 1Y -8.8%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.1 + 10.5 + 6.4 + 2.7 = 36.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 28Klarna Group plcKLAR | 36.1/100Thin evidence · provisional49% evidence | ASLEEP | 18.4/35 Income 0% · PAT — 45% evidence | 4.6/25 ROA 0% · ROE 0% · GNPA — 68% evidence | 9.8/20 P/BV 2.01× · P/BV÷ROE — 10% evidence | 3.3/20 RS sector -37.9% · RS bench -41.7% · 1Y -67.4%7 of 12 weeks ahead 70% evidence |
| Exact sum: 18.4 + 4.6 + 9.8 + 3.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Synchrony Financial's stock price today?
Synchrony Financial trades at $74.9, −2.2% over the past year. The company is valued at $24.0 B. The stock sits at 48% of its 52-week range of $64–$87, −0.4% versus its 200-day average. On the tape, the price is building a base, 1 weeks in. — as of 17 September 2026.
What were Synchrony Financial's latest quarterly results?
Synchrony Financial reported total income of $2.5 B and net profit of $0.9 B for the Jun 26 quarter. Income rose 0.8% and profit fell 9.5% year on year. Earnings per share were $2.59. The net margin was 34.1%, 3.9 pp lower than a year earlier. — as of 17 September 2026.
What is Synchrony Financial's revenue?
Synchrony Financial reported revenue of $2.5 B in the Jun 26 quarter, +0.8% year on year. For the full FY25 fiscal year, revenue was $9.8 B (+3.9%). Over the last 4 years revenue compounded at 0.8% a year. — as of 17 September 2026.
What is Synchrony Financial's profit?
Synchrony Financial earned $0.9 B of net profit in the Jun 26 quarter, −9.5% year on year. Full-year FY25 profit was $3.5 B. The net margin ran 34.1% in the latest quarter. — as of 17 September 2026.
What is Synchrony Financial's market cap?
Synchrony Financial's market capitalisation is $24.0 B at a stock price of $74.9. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 17 September 2026.
What is Synchrony Financial's P/BV ratio?
Synchrony Financial trades at a P/BV of 1.6×, at the 67th percentile of its own 5-year range, against a long-run median of 1.4×. This is a comparison with the stock's own history, not a value call — as of 17 September 2026.
Does Synchrony Financial pay a dividend?
Yes — Synchrony Financial declared $0.30 per share for Jun 26, and $1.20 per share across the last four reported quarters. — as of 17 September 2026.
What is Synchrony Financial's dividend per share?
Synchrony Financial's most recently declared dividend is $0.30 per share for Jun 26, giving $1.20 per share over the trailing twelve months. Each figure is the amount declared for that quarter as reported, added across four quarters for the trailing total. — as of 17 September 2026.
What is Synchrony Financial's dividend yield?
Synchrony Financial's trailing dividend yield is 1.60%: $1.20 declared per share across the last four reported quarters, against a share price of $74.9. Each quarter’s figure is the amount declared for that quarter as reported, added across four quarters and divided by the latest close. — as of 17 September 2026.
Is Synchrony Financial overvalued?
On its own history, Synchrony Financial looks expensive: its P/BV of 1.6× sits at the 67th percentile of its 5-year range (long-run median 1.4×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 17 September 2026.
Is Synchrony Financial growing?
Not right now — Synchrony Financial's latest numbers are shrinking: latest-quarter revenue +0.8% year on year, profit −9.5%, and the net margin −3.9 pp at 34.1%. The 4-year compound rates are 0.8% (revenue) and −4.5% (profit). The earnings engine currently reads: deteriorating — as of 17 September 2026.
How is Synchrony Financial performing?
Synchrony Financial is building a base, 1 weeks in. Its latest quarter's income rose 0.8% and profit fell 9.5% year on year. Against the S&P 500 it has been behind on a trailing-13-week view for 1 week. This describes what the data did, not a rating. — as of 17 September 2026.
What stage is Synchrony Financial in?
Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 20.3% and holding. The read comes from the last 12 quarters of growth (revenue growth +7.8% latest, profit growth +6.9% latest, eps growth +18.7% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 17 September 2026.
Is Synchrony Financial in an uptrend?
No — the price is building a base (week 1 of stage 1), trading −0.4% versus its 200-day average and at 48% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 17 September 2026.
Is Synchrony Financial beating the market?
Not lately — on a trailing-13-week view Synchrony Financial is currently behind the S&P 500 (1 week and counting; last ahead the week of 2026-09-11), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.2 years the stock moved +174% against the S&P 500's +255% — behind the index over the full window. — as of 17 September 2026.
Will Synchrony Financial's stock price go up?
This page publishes no price forecast for Synchrony Financial. What it measures instead: the stock price is $74.9, the price is building a base 1 weeks in. Its P/BV of 1.6× sits at the 67th percentile of its own 5-year range. Direction is not something this site claims to know. — as of 17 September 2026.
Is the market betting against Synchrony Financial?
Somewhat — short interest is 5.5% of Synchrony Financial's tradable float, about 5.6 days to cover at typical volumes. A moderate reading: some money is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 17 September 2026.
Where is Synchrony Financial in its business cycle?
Synchrony Financial's FY25 net margin was 35.6%, against a 5-year band of 28.7%–44.1%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 34.1%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 17 September 2026.
What could break the Synchrony Financial story?
Biggest watch item: the P/BV sits at the 67th percentile of its own range — the multiple has already done part of the work. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 17 September 2026.
Is Synchrony Financial a stock worth studying right now?
This is not investment advice. The machine read: Synchrony Financial's three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it. The sharpest open question: the next one or two quarters of delivery. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 17 September 2026.
Not SEBI Registered !! Not Investment advice !!