Synchrony Financial (MIL:1SYF) Cyclically Adjusted Revenue per Share: €31.12 (As of Mar. 2026)

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MIL:1SYF Synchrony Financial MIL:1SYF
51 GF Score
Price €61.52
GF Value €55.94
Valuation Fairly Valued
! 2 Warning Signs
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What is Synchrony Financial Cyclically Adjusted Revenue per Share?

Synchrony Financial MIL:1SYF 51 Cyclically Adjusted Revenue per Share is €31.12 as of Mar. 2026. GuruFocus rates MIL:1SYF with a GF Score™ of 51/100 and a GF Value™ of €55.94 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Synchrony Financial's adjusted revenue per share for the three months ended in Mar. 2026 was €9.245. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €31.12 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Synchrony Financial's average Cyclically Adjusted Revenue Growth Rate was 13.50% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 12.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Synchrony Financial was 12.90% per year. The lowest was 12.90% per year. And the median was 12.90% per year.

As of today (2026-07-17), Synchrony Financial's current stock price is €61.52. Synchrony Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €31.12. Synchrony Financial's Cyclically Adjusted PS Ratio of today is 1.98.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Synchrony Financial was 3.28. The lowest was 1.36. And the median was 2.09.


Synchrony Financial  (MIL:1SYF) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Synchrony Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=61.52/31.12
=1.98

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Synchrony Financial was 3.28. The lowest was 1.36. And the median was 2.09.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Synchrony Financial Cyclically Adjusted Revenue per Share Related Terms


Synchrony Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Synchrony Financial's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Synchrony Financial Cyclically Adjusted Revenue per Share Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 20.62

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 20.24 22.98 20.62 31.12

MIL:1SYF vs AFRM, SOFI, ALLY: Cyclically Adjusted Revenue per Share Comparison

For the Credit Services subindustry, Synchrony Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Synchrony Financial Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Synchrony Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Synchrony Financial's Cyclically Adjusted PS Ratio falls into.


MIL:1SYF
51GF Score
Synchrony Financial MIL:1SYF
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Synchrony Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Synchrony Financial's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=9.245/330.2130*330.2130
=9.245

Current CPI (Mar. 2026) = 330.2130.

Synchrony Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.800 241.018 3.836
201609 3.012 241.428 4.120
201612 3.340 241.432 4.568
201703 3.428 243.801 4.643
201706 3.334 244.955 4.494
201709 3.338 246.819 4.466
201712 3.449 246.524 4.620
201803 3.366 249.554 4.454
201806 3.552 251.989 4.655
201809 3.942 252.439 5.156
201812 4.321 251.233 5.679
201903 4.200 254.202 5.456
201906 4.365 256.143 5.627
201909 4.745 256.759 6.102
201912 4.384 256.974 5.633
202003 4.561 258.115 5.835
202006 4.130 257.797 5.290
202009 3.904 260.280 4.953
202012 3.775 260.474 4.786
202103 3.690 264.877 4.600
202106 3.417 271.696 4.153
202109 3.736 274.310 4.497
202112 4.453 278.802 5.274
202203 4.882 287.504 5.607
202206 5.487 296.311 6.115
202209 6.255 296.808 6.959
202212 6.509 296.797 7.242
202303 6.834 301.836 7.476
202306 7.167 305.109 7.757
202309 7.782 307.789 8.349
202312 8.095 306.746 8.714
202403 8.404 312.332 8.885
202406 8.565 314.175 9.002
202409 8.667 315.301 9.077
202412 6.602 315.605 6.908
202503 8.832 319.799 9.120
202506 8.341 322.561 8.539
202509 8.806 324.800 8.953
202512 9.063 324.054 9.235
202603 9.245 330.213 9.245

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €31.12 mean?
Synchrony Financial (MIL:1SYF) has a Cyclically Adjusted Revenue per Share of €31.12 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Cyclically Adjusted Revenue per Share too high?
Synchrony Financial's current Cyclically Adjusted Revenue per Share is €31.12. Overall, Synchrony Financial has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Cyclically Adjusted Revenue per Share compare to AFRM and SOFI?
Synchrony Financial's Cyclically Adjusted Revenue per Share of €31.12 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Credit Services company?
A good Cyclically Adjusted Revenue per Share depends on the Credit Services industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Cyclically Adjusted Revenue per Share is €31.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (MIL:1SYF) is currently considered Fairly Valued. The stock's GF Value™ is €55.94, compared to a current price of €61.52 — trading 10% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is €31.12. Synchrony Financial's overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Synchrony Financial (MIL:1SYF), the current Cyclically Adjusted Revenue per Share is €31.12 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Synchrony Financial (MIL:1SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of €61.52 is trading 10% above its estimated GF Value™ of €55.94. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for MIL:1SYF:

  • Cyclically Adjusted Revenue per Share: €31.12
  • GF Value™: €55.94 vs. price of €61.52 (10% above fair value)
  • GF Score™: 51/100 with 2 warning signs

No single metric tells the full story. See the MIL:1SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
51GF Score

Get the complete analysis for MIL:1SYF

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€61.52
Price
€55.94
GF Value