Synchrony Financial
SYFFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeSynchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The $24.03B market capitalization puts SYF squarely in large-cap range for its industry. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Market Cap
$24.03B
Beta
1.36
P/E (TTM)
7.40
P/E (Fwd)
6.82
EPS (TTM)
$9.66
EPS (Fwd)
$10.48
ROE
21.8%
ROA
3.0%
Cash
$20.56B
Total Debt
$16.43B
Free CF
—
52W Change
22.9%
Annual Financials
Cash vs Debt
Synchrony Financial holds $20.56B in cash against $16.43B in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 21.8%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 3.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $11.67B (2022) to $14.98B (2025), reflecting a 28% increase over the period.
As with any equity investment, SYF carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing SYF.