Synchrony FinancialSYF +1.71%75 FCF Yield % is 38.31 as of Jun. 25, 2026, which is 2% below its 10-year median of 39.28. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.56 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 541 Credit Services companies, Synchrony Financial ranks better than 88.54% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Synchrony Financial FCF Yield % Related Terms
Synchrony Financial FCF Yield % Historical Data
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The historical data trend for Synchrony Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's FCF Yield % falls into.
* 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 FCF Yield % of 38.31 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Synchrony Financial and its competitors. This is near median its historical median of 39.28. Over the past decade, Synchrony Financial's FCF Yield % has ranged from 21.29 to 105.21. According to the industry distribution chart, Synchrony Financial ranks #62 out of 541 companies in the Credit Services industry, placing it in the top 11.5%.
Is Synchrony Financial's FCF Yield % too high?
Synchrony Financial's current FCF Yield % of 38.31 is near median its 10-year median of 39.28. Over the past 10 years, this metric has ranged from a low of 21.29 to a high of 105.21. Based on the distribution chart, Synchrony Financial ranks #62 out of 541 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 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's FCF Yield % compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #62 out of 541 companies for FCF Yield %. This places Synchrony Financial in the top 12% of its industry — outperforming the majority of peers. Historically, Synchrony Financial's own FCF Yield % has ranged from 21.29 to 105.21 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 FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current FCF Yield % is 38.31, which is near median its own 10-year median of 39.28. 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 $65.56, compared to a current price of $76.32 — trading 16.4% above its estimated fair value. The current FCF Yield % is 38.31, which is near median its 10-year median of 39.28. Synchrony Financial's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Synchrony Financial (SYF), the current FCF Yield % is 38.31 as of Jun. 25, 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 $76.32 is trading 16.4% above its estimated GF Value™ of $65.56.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for SYF:
FCF Yield %: 38.31 (near median its 10-year median of 39.28)
GF Value™: $65.56 vs. price of $76.32 (16.4% 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).
75GF Score
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