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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/S ratio

Alert me on P/S ratio

As of 5 November 2026, Synchrony Financial (SYF) trades at a P/S ratio of 1.0×. Over the past ten years it has ranged from 0.4× (April 2020) to 2.3× (July 2015); the current reading is higher than 30% of that period. That is in line with the Credit Services industry median of 1.0× and below the Financial sector median of 2.3×.

P/S ratio, daily

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Annual newest first

Period P/S ratio Change
FY2025 1.3× 25.16%
FY2024 1.1× 40.07%
FY2023 0.8× (14.24%)
FY2022 0.9× (46.61%)
FY2021 1.7× 33.98%
FY2020 1.2× 0.08%
FY2019 1.2× 29.98%
FY2018 1.0× (48.48%)
FY2017 1.9× (8.87%)
FY2016 2.0× 9.15%

Quarterly newest first

Period P/S ratio Change
Sep 2026 1.0× (10.27%)
Jun 2026 1.1× 8.10%
Mar 2026 1.0× (24.66%)
Dec 2025 1.3× 18.60%
43 more quarters

Against its own ten years

Low 0.4× High 2.3×
Ten-year median 1.2×
Current reading's percentile 33

P/S ratio against peers

Company P/S ratio
ALLY Ally Financial Inc. compare 0.7×
OMF OneMain Holdings, Inc. compare 1.0×
SYF Synchrony Financial 1.0×
KLAR Klarna Group plc compare 1.3×
PYPL PayPal Holdings, Inc. compare 1.5×
FCFS FirstCash Holdings, Inc. compare 1.9×
CACC Credit Acceptance Corporation compare 2.3×
SOFI SoFi Technologies, Inc. compare 3.4×
AFRM Affirm Holdings, Inc. compare 5.2×
Credit Services industry median 1.0×
Financial sector median 2.3×
Market median 1.9×

What P/S ratio is

Price to Sales Ratio shows how much investors pay for each dollar of a company’s annual sales, whether or not it is profitable.

(Stock Price × Shares (Basic, Weighted) (latest quarter)) ÷ Revenue (TTM)

The full definition of P/S ratio →

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