SYF (Synchrony Financial) Cyclically Adjusted Revenue per Share: $27.97 (As of Mar. 2026)


SYF Synchrony Financial SYF
73 GF Score
Price $76.33
GF Value $66.26
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Cyclically Adjusted Revenue per Share?

Synchrony Financial SYF -0.57% 73 Cyclically Adjusted Revenue per Share is $27.97 as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 73/100 and a GF Value™ of $66.26 (Modestly Overvalued). 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 $10.688. 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 $27.97 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 (2026-07-06), Synchrony Financial's current stock price is $76.33. Synchrony Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $27.97. Synchrony Financial's Cyclically Adjusted PS Ratio of today is 2.73.

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 2.08.


Synchrony Financial  (NYSE:SYF) 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
=76.33/27.97
=2.73

* 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 2.08.


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 18.66 21.14 23.75 26.82

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 24.65 25.43 26.24 26.82 27.97

SYF 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.


SYF
73GF Score
Synchrony Financial SYF
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)
=10.688/330.2130*330.2130
=10.688

Current CPI (Mar. 2026) = 330.2130.

Synchrony Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 3.146 241.018 4.310
201609 3.381 241.428 4.624
201612 3.523 241.432 4.819
201703 3.667 243.801 4.967
201706 3.747 244.955 5.051
201709 3.979 246.819 5.323
201712 4.081 246.524 5.466
201803 4.150 249.554 5.491
201806 4.150 251.989 5.438
201809 4.599 252.439 6.016
201812 4.916 251.233 6.461
201903 4.745 254.202 6.164
201906 4.932 256.143 6.358
201909 5.226 256.759 6.721
201912 4.871 256.974 6.259
202003 5.040 258.115 6.448
202006 4.651 257.797 5.957
202009 4.598 260.280 5.833
202012 4.593 260.474 5.823
202103 4.393 264.877 5.477
202106 4.117 271.696 5.004
202109 4.395 274.310 5.291
202112 5.031 278.802 5.959
202203 5.376 287.504 6.175
202206 5.801 296.311 6.465
202209 6.193 296.808 6.890
202212 6.895 296.797 7.671
202303 7.317 301.836 8.005
202306 7.765 305.109 8.404
202309 8.305 307.789 8.910
202312 8.828 306.746 9.503
202403 9.135 312.332 9.658
202406 9.220 314.175 9.691
202409 9.619 315.301 10.074
202412 6.913 315.605 7.233
202503 9.548 319.799 9.859
202506 9.620 322.561 9.848
202509 10.335 324.800 10.507
202512 10.613 324.054 10.815
202603 10.688 330.213 10.688

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 $27.97 mean?
Synchrony Financial (SYF) has a Cyclically Adjusted Revenue per Share of $27.97 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 $27.97. Overall, Synchrony Financial has a GF Score™ of 73/100 and is considered Modestly Overvalued, 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 $27.97 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 $27.97. 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 (SYF) is currently considered Modestly Overvalued. The stock's GF Value™ is $66.26, compared to a current price of $76.33 — trading 15.2% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $27.97. Synchrony Financial's overall GF Score™ is 73/100 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 (SYF), the current Cyclically Adjusted Revenue per Share is $27.97 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 (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $76.33 is trading 15.2% above its estimated GF Value™ of $66.26. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Cyclically Adjusted Revenue per Share: $27.97
  • GF Value™: $66.26 vs. price of $76.33 (15.2% above fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the SYF 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).
73GF Score

Get the complete analysis for SYF

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

$76.33
Price
$66.26
GF Value