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EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Synchrony Financial's enterprise value is R$134,780 Mil.
Synchrony Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was R$30,723 Mil. Therefore, Synchrony Financial's EV-to-EBITDA for today is 4.39.
The historical rank and industry rank for Synchrony Financial's EV-to-EBITDA or its related term are showing as below:
BSP:S1YF34's EV-to-EBITDA is not ranked *
in the Credit Services industry.
Industry Median: 16.95 * Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Synchrony Financial's PE Ratio (TTM) for today is calculated as:
Synchrony Financial's share price for today is R$63.91.
Synchrony Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$0.009.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Synchrony Financial's EV-to-EBITDA 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.
BSP:S1YF34 vs AFRM, SOFI, ALLY: EV-to-EBITDA Comparison
For the Credit Services subindustry, Synchrony Financial's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's EV-to-EBITDA falls into.
Synchrony Financial's current Enterprise Value is R$134,780 Mil.
Synchrony Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$30,723 Mil.
* 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 (BSP:S1YF34) has a EV-to-EBITDA of 4.39 as of Sep. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Synchrony Financial. According to the industry distribution chart, Synchrony Financial ranks #39 out of 361 companies in the Credit Services industry, placing it in the top 10.8%.
Is Synchrony Financial's EV-to-EBITDA too high?
Synchrony Financial's current EV-to-EBITDA is 4.39. The Credit Services industry median EV-to-EBITDA is 16.95. Synchrony Financial's value of 4.39 is 74.1% below this industry median. Based on the distribution chart, Synchrony Financial ranks #39 out of 361 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Synchrony Financial has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's EV-to-EBITDA compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #39 out of 361 companies for EV-to-EBITDA. This places Synchrony Financial in the top 11% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 16.95. Synchrony Financial's value of 4.39 is 74.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 16.95, based on 361 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current EV-to-EBITDA of 4.39 is 74.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Synchrony Financial. For the Credit Services industry, the median EV-to-EBITDA is 16.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current EV-to-EBITDA is 4.39. 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 (BSP:S1YF34) is currently considered Modestly Overvalued. The stock's GF Value™ is R$55.03, compared to a current price of R$63.91 — trading 16.1% above its estimated fair value. The current EV-to-EBITDA is 4.39 and 74.1% below the Credit Services industry median of 16.95. Synchrony Financial's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Synchrony Financial (BSP:S1YF34), the current EV-to-EBITDA is 4.39 as of Sep. 22, 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 (BSP:S1YF34) Overvalued in 2026?
Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued.
The current stock price of R$63.91 is trading 16.1% above its estimated GF Value™ of R$55.03.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for BSP:S1YF34:
EV-to-EBITDA: 4.39
GF Value™: R$55.03 vs. price of R$63.91 (16.1% above fair value)
Industry Position: 74.1% below the Credit Services median (#39 of 361)
No single metric tells the full story. See the BSP:S1YF34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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).
76GF Score
Get the complete analysis for BSP:S1YF34
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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