SYFPB.PFD (Synchrony Financial) Moat Score: 6/10 (As of Jun. 25, 2026)


SYFPB.PFD Synchrony Financial SYFPB.PFD
75 GF Score
Price $25.77
! 2 Warning Signs
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What is Synchrony Financial Moat Score?

Synchrony Financial SYFPB.PFD +0.16% 75 Moat Score is 6 as of Jun. 25, 2026. GuruFocus rates SYFPB.PFD with a GF Score™ of 75/100. The stock has 2 warning signs investors should review. Among 567 Credit Services companies, Synchrony Financial ranks better than 98.94% on this metric.

Synchrony Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Synchrony Financial has Narrow Moat: Synchrony Financial has a strong narrow moat due to its significant market share in consumer financial services, strong brand, and customer loyalty. It benefits from economies of scale and some pricing power, but lacks the regulatory barriers or network effects needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Synchrony Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Synchrony Financial  (NYSE:SYFpB.PFD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Synchrony Financial Moat Score Related Terms

SYFPB.PFD vs AFRM, SOFI, ALLY: Moat Score Comparison

For the Credit Services subindustry, Synchrony Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Synchrony Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Synchrony Financial's Moat Score falls into.


SYFPB.PFD
75GF Score
Synchrony Financial SYFPB.PFD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Synchrony Financial (SYFPB.PFD) has a Moat Score of 6 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Synchrony Financial ranks #6 out of 567 companies in the Credit Services industry, placing it in the top 1.1%.
Is Synchrony Financial's Moat Score too high?
Synchrony Financial's current Moat Score is 6. Based on the distribution chart, Synchrony Financial ranks #6 out of 567 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, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Moat Score compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #6 out of 567 companies for Moat Score. This places Synchrony Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Synchrony Financial's current Moat Score is 6. 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?
Synchrony Financial (SYFPB.PFD) has a current Moat Score of 6. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Synchrony Financial (SYFPB.PFD), the current Moat Score is 6 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.

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).
75GF Score

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