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Synchrony FinancialSYF -1.79%77 EV-to-OCF is 2.75 as of Aug. 01, 2026, which is 12% below its 10-year median of 3.13. GuruFocus rates SYF with a GF Score™ of 77/100 and a GF Value™ of $72.82 (Fairly Valued). The stock has 2 warning signs investors should review. Among 544 Credit Services companies, Synchrony Financial ranks worse than 56.25% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Synchrony Financial's Enterprise Value is $26,615 Mil.
Synchrony Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $9,694 Mil. Therefore, Synchrony Financial's EV-to-OCF for today is 2.75.
The historical rank and industry rank for Synchrony Financial's EV-to-OCF or its related term are showing as below:
SYF'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.39 Med: 3.13 Max: 6.36
Current: 2.75
During the past 13 years, the highest EV-to-OCF of Synchrony Financial was 6.36. The lowest was 1.39. And the median was 3.13.
SYF's EV-to-OCF is ranked worse than 56.25% of 544
companies
in the Credit Services industry
Industry Median: -0.815
vs SYF: 2.75
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $75.79.
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 $9.760.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Synchrony Financial EV-to-OCF Related Terms
Synchrony Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's EV-to-OCF 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.
For the Credit Services subindustry, Synchrony Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's EV-to-OCF falls into.
Synchrony Financial's current Enterprise Value is $26,615 Mil.
Synchrony Financial's Cash Flow from Operations 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 $9,694 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 (SYF) has a EV-to-OCF of 2.75 as of Aug. 01, 2026. This is 12% below median its historical median of 3.13. Over the past decade, Synchrony Financial's EV-to-OCF has ranged from 1.39 to 6.36. According to the industry distribution chart, Synchrony Financial ranks #306 out of 544 companies in the Credit Services industry, placing it in the top 56.2%.
Is Synchrony Financial's EV-to-OCF too high?
Synchrony Financial's current EV-to-OCF of 2.75 is 12% below median its 10-year median of 3.13. Over the past 10 years, this metric has ranged from a low of 1.39 to a high of 6.36. Based on the distribution chart, Synchrony Financial ranks #306 out of 544 companies in the Credit Services industry, which is below the industry midpoint. Overall, Synchrony Financial has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's EV-to-OCF compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #306 out of 544 companies for EV-to-OCF. This places Synchrony Financial in the lower half of its industry. Historically, Synchrony Financial's own EV-to-OCF has ranged from 1.39 to 6.36 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Synchrony Financial's current EV-to-OCF is 2.75, which is 12% below median its own 10-year median of 3.13. 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 Fairly Valued. The stock's GF Value™ is $72.82, compared to a current price of $75.79 — trading 4.1% above its estimated fair value. The current EV-to-OCF is 2.75, which is 12% below median its 10-year median of 3.13. Synchrony Financial's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Synchrony Financial (SYF), the current EV-to-OCF is 2.75 as of Aug. 01, 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 $75.79 is trading 4.1% above its estimated GF Value™ of $72.82.
GuruFocus considers Synchrony Financial to be Fairly Valued.
Key valuation signals for SYF:
EV-to-OCF: 2.75 (12% below median its 10-year median of 3.13)
GF Value™: $72.82 vs. price of $75.79 (4.1% above fair value)
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, 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).
77GF Score
Get the complete analysis for SYF
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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