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Saturday 17 October 2026 Export SYF’s income statement to Excel — free account

Synchrony Financial

SYF Financial Credit Services

Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 3.98%, free cash flow fell 5.47% and total debt rose 2.64%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, operating cash flow growth for three.

73.68 0.36 −0.49%
Market cap
$24.1B
P/E
7.5×
Fwd P/E
7.6×
Dividend yield
1.68%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Synchrony Financial (SYF) P/B ratio

Alert me on P/B ratio

As of 16 October 2026, Synchrony Financial (SYF) trades at a P/B ratio of 1.6×. Over the past ten years it has ranged from 0.6× (March 2020) to 2.6× (July 2015); the current reading is higher than 43% of that period. That is above the Credit Services industry median of 1.2× and above the Financial sector median of 1.2×.

P/B ratio, daily

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Annual newest first

Period P/B ratio Change
FY2025 2.0× 18.31%
FY2024 1.7× 38.22%
FY2023 1.2× (5.28%)
FY2022 1.3× (36.77%)
FY2021 2.0× 18.65%
FY2020 1.7× 1.61%
FY2019 1.7× 41.71%
FY2018 1.2× (45.38%)
FY2017 2.2× 0.34%
FY2016 2.2× 7.61%

Quarterly newest first

Period P/B ratio Change
Jun 2026 1.7× 8.71%
Mar 2026 1.5× (23.10%)
Dec 2025 2.0× 20.99%
Sep 2025 1.6× 2.80%
42 more quarters

Against its own ten years

Low 0.6× High 2.6×
Ten-year median 1.6×
Current reading's percentile 47

P/B ratio against peers

Company P/B ratio
ALLY Ally Financial Inc. compare 0.9×
SYF Synchrony Financial 1.6×
SOFI SoFi Technologies, Inc. compare 1.7×
KLAR Klarna Group plc compare 1.8×
OMF OneMain Holdings, Inc. compare 1.9×
PYPL PayPal Holdings, Inc. compare 2.5×
CACC Credit Acceptance Corporation compare 3.6×
FCFS FirstCash Holdings, Inc. compare 4.1×
AFRM Affirm Holdings, Inc. compare 4.5×
Credit Services industry median 1.2×
Financial sector median 1.2×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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