Synchrony FinancialMEX:SYF 70 Median PS Value is MXN1,252.81 as of Jun. 25, 2026, which is 100% below its 10-year median of 0.89. 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. Among 288 Credit Services companies, Synchrony Financial ranks worse than 57.29% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Synchrony Financial's Median PS Value or its related term are showing as below:
MEX:SYF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.62 Med: 0.89 Max: 1.11
Current: 0.98
During the past 13 years, the highest Price to Median PS Value of Synchrony Financial was 1.11. The lowest was 0.62. And the median was 0.89.
MEX:SYF's Price-to-Median-PS-Value is ranked worse than 57.29% of 288
companies
in the Credit Services industry
Industry Median: 0.895
vs MEX:SYF: 0.98
Synchrony Financial (MEX:SYF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Synchrony Financial's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1225.70
/
1,252.81
=
0.98
* 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 Median PS Value Related Terms
Synchrony Financial Median PS Value Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's Median PS Value 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.
MEX:SYF vs AFRM, SOFI, ALLY: Median PS Value Comparison
For the Credit Services subindustry, Synchrony Financial's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.6603.
Synchrony Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN754.552.
* 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 (MEX:SYF) has a Median PS Value of MXN1,252.81 as of Jun. 25, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Synchrony Financial and its competitors. This is 140665% above median its historical median of 0.89. Over the past decade, Synchrony Financial's Median PS Value has ranged from 0.62 to 1.11. According to the industry distribution chart, Synchrony Financial ranks #165 out of 288 companies in the Credit Services industry, placing it in the top 57.3%.
Is Synchrony Financial's Median PS Value too high?
Synchrony Financial's current Median PS Value of MXN1,252.81 is 140665% above median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.11. Based on the distribution chart, Synchrony Financial ranks #165 out of 288 companies in the Credit Services industry, which is below the industry midpoint. 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 Median PS Value compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #165 out of 288 companies for Median PS Value. This places Synchrony Financial in the lower half of its industry. The industry median Median PS Value is 0.90. Historically, Synchrony Financial's own Median PS Value has ranged from 0.62 to 1.11 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current Median PS Value is MXN1,252.81, which is 140665% above median its own 10-year median of 0.89. 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 Median PS Value is MXN1,252.81, which is 140665% above median its 10-year median of 0.89. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Synchrony Financial (MEX:SYF), the current Median PS Value is MXN1,252.81 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 (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:
Median PS Value: MXN1,252.81 (140665% above median its 10-year median of 0.89)
GF Value™: MXN1,374.58 vs. price of MXN1,225.70 (10.8% below fair value)
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, 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
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:SYF has been successfully added to your 
