Synchrony Financial (MEX:SYF) E10: MXN134.74 (As of Mar. 2026)


MEX:SYF Synchrony Financial MEX:SYF
70 GF Score
Price MXN1,225.70
GF Value MXN1,374.58
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Synchrony Financial E10?

Synchrony Financial MEX:SYF 70 E10 is MXN134.74 as of Mar. 2026. GuruFocus rates MEX:SYF with a GF Score™ of 70/100 and a GF Value™ of MXN1,374.58 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Synchrony Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was MXN40.934. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN134.74 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Synchrony Financial's average E10 Growth Rate was 14.30% per year. During the past 3 years, the average E10 Growth Rate was 11.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Synchrony Financial was 11.80% per year. The lowest was 11.80% per year. And the median was 11.80% per year.

As of today (2026-06-25), Synchrony Financial's current stock price is MXN1225.70. Synchrony Financial's E10 for the quarter that ended in Mar. 2026 was MXN134.74. Synchrony Financial's Shiller PE Ratio of today is 9.10.

During the past 13 years, the highest Shiller PE Ratio of Synchrony Financial was 14.43. The lowest was 6.00. And the median was 9.24.


Synchrony Financial  (MEX:SYF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Synchrony Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1225.70/134.74
=9.10

* 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 Shiller P/E Ratio of Synchrony Financial was 14.43. The lowest was 6.00. And the median was 9.24.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Synchrony Financial E10 Related Terms


Synchrony Financial E10 Historical Data

* Premium members only.

The historical data trend for Synchrony Financial's E10 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 E10 Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 82.67 61.43 108.73 97.91

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 144.93 100.45 108.21 97.91 134.74

MEX:SYF vs AFRM, SOFI, ALLY: E10 Comparison

For the Credit Services subindustry, Synchrony Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where Synchrony Financial's Shiller PE Ratio falls into.


MEX:SYF
70GF Score
Synchrony Financial MEX:SYF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Synchrony Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=40.934/330.2130*330.2130
=40.934

Current CPI (Mar. 2026) = 330.2130.

Synchrony Financial Quarterly Data

per share eps CPI Adj_EPS
201606 10.726 241.018 14.695
201609 14.115 241.428 19.306
201612 14.432 241.432 19.739
201703 11.486 243.801 15.557
201706 11.026 244.955 14.864
201709 12.704 246.819 16.996
201712 9.623 246.524 12.890
201803 15.079 249.554 19.953
201806 18.078 251.989 23.690
201809 17.022 252.439 22.266
201812 21.402 251.233 28.130
201903 30.261 254.202 39.310
201906 23.819 256.143 30.707
201909 31.587 256.759 40.623
201912 21.689 256.974 27.870
202003 10.552 258.115 13.499
202006 1.385 257.797 1.774
202009 11.487 260.280 14.573
202012 24.666 260.474 31.270
202103 35.363 264.877 44.086
202106 42.201 271.696 51.290
202109 41.124 274.310 49.505
202112 30.361 278.802 35.960
202203 35.242 287.504 40.477
202206 32.189 296.311 35.872
202209 29.569 296.808 32.897
202212 24.565 296.797 27.331
202303 24.334 301.836 26.622
202306 22.630 305.109 24.492
202309 25.780 307.789 27.658
202312 17.483 306.746 18.821
202403 52.112 312.332 55.095
202406 28.396 314.175 29.846
202409 38.199 315.301 40.006
202412 39.834 315.605 41.678
202503 38.666 319.799 39.925
202506 47.073 322.561 48.190
202509 52.464 324.800 53.338
202512 36.732 324.054 37.430
202603 40.934 330.213 40.934

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of MXN134.74 mean?
Synchrony Financial (MEX:SYF) has a E10 of MXN134.74 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's E10 too high?
Synchrony Financial's current E10 is MXN134.74. Overall, Synchrony Financial has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's E10 compare to AFRM and SOFI?
Synchrony Financial's E10 of MXN134.74 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current E10 is MXN134.74. 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 (MEX:SYF) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN1,374.58, compared to a current price of MXN1,225.70 — trading 10.8% below its estimated fair value. The current E10 is MXN134.74. Synchrony Financial's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Synchrony Financial (MEX:SYF), the current E10 is MXN134.74 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 (MEX:SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be undervalued. The current stock price of MXN1,225.70 is trading 10.8% below its estimated GF Value™ of MXN1,374.58. GuruFocus considers Synchrony Financial to be Modestly Undervalued.

Key valuation signals for MEX:SYF:

  • E10: MXN134.74
  • GF Value™: MXN1,374.58 vs. price of MXN1,225.70 (10.8% below fair value)
  • GF Score™: 70/100 with 2 warning signs

No single metric tells the full story. See the MEX: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).
70GF Score

Get the complete analysis for MEX:SYF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,225.70
Price
MXN1,374.58
GF Value