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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

74.49 0.42 +0.57%
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/E ratio

Alert me on P/E ratio

As of 5 November 2026, Synchrony Financial (SYF) trades at a P/E ratio of 7.7×. Over the past ten years it has ranged from 2.3× (March 2020) to 18.9× (March 2021); the current reading is higher than 44% of that period. That is below the Credit Services industry median of 9.0× and below the Financial sector median of 12.2×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 8.9× 17.95%
FY2024 7.5× 3.49%
FY2023 7.3× 38.34%
FY2022 5.3× (16.21%)
FY2021 6.3× (58.71%)
FY2020 15.2× 135.48%
FY2019 6.5× 3.89%
FY2018 6.2× (61.25%)
FY2017 16.1× 17.86%
FY2016 13.6× 19.18%

Quarterly newest first

Period P/E ratio Change
Sep 2026 7.3× (4.94%)
Jun 2026 7.7× 10.67%
Mar 2026 7.0× (21.64%)
Dec 2025 8.9× 15.67%
43 more quarters

Against its own ten years

Low 2.3× High 18.9×
Ten-year median 8.0×
Current reading's percentile 48

P/E ratio against peers

Company P/E ratio
KLAR Klarna Group plc compare n/m
SYF Synchrony Financial 7.7×
OMF OneMain Holdings, Inc. compare 8.7×
ALLY Ally Financial Inc. compare 8.8×
PYPL PayPal Holdings, Inc. compare 11.2×
AFRM Affirm Holdings, Inc. compare 11.8×
CACC Credit Acceptance Corporation compare 16.7×
FCFS FirstCash Holdings, Inc. compare 20.4×
SOFI SoFi Technologies, Inc. compare 27.8×
Credit Services industry median 9.0×
Financial sector median 12.2×
Market median 17.9×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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