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Friday 6 November 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.

Revenue
+0.60%
EPS
−6.23%
Free cash flow
−5.27%
Total debt
+18.0%

Quarter to September 2026, against a year earlier

74.45 0.58 −0.77%
Market cap
$23.1B
P/E
7.7×
Fwd P/E
7.9×
Dividend yield
1.72%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Synchrony Financial (SYF) P/B ratio

Alert me on P/B ratio

As of 5 November 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 42% of that period. That is above the Credit Services industry median of 1.2× and above the Financial sector median of 1.3×.

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
Sep 2026 1.5× (8.04%)
Jun 2026 1.7× 8.71%
Mar 2026 1.5× (23.10%)
Dec 2025 2.0× 20.99%
43 more quarters

Against its own ten years

Low 0.6× High 2.6×
Ten-year median 1.6×
Current reading's percentile 46

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 1.8×
KLAR Klarna Group plc compare 1.9×
OMF OneMain Holdings, Inc. compare 1.9×
PYPL PayPal Holdings, Inc. compare 2.6×
FCFS FirstCash Holdings, Inc. compare 3.6×
CACC Credit Acceptance Corporation compare 3.9×
AFRM Affirm Holdings, Inc. compare 4.2×
Credit Services industry median 1.2×
Financial sector median 1.3×
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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