Synchrony FinancialSYF +1.60%75 OCF Margin % is 59.03% as of Mar. 2026, which is 11% below its 10-year median of 66.42. 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 531 Credit Services companies, Synchrony Financial ranks better than 82.11% on this metric.
The historical rank and industry rank for Synchrony Financial's OCF Margin % or its related term are showing as below:
SYF'
s OCF Margin % Range Over the Past 10 Years
Min: 57.34 Med: 66.42 Max: 70.33
Current: 65.73
During the past 13 years, the highest OCF Margin % of Synchrony Financial was 70.33%. The lowest was 57.34%. And the median was 66.42%.
SYF's OCF Margin % is ranked better than 82.11% of 531
companies
in the Credit Services industry
Industry Median: 2.61
vs SYF: 65.73
Synchrony Financial OCF Margin % Related Terms
Synchrony Financial OCF Margin % Historical Data
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The historical data trend for Synchrony Financial's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's OCF Margin % 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 OCF Margin % of 59.03% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Synchrony Financial and its competitors. This is 11% below median its historical median of 66.42. Over the past decade, Synchrony Financial's OCF Margin % has ranged from 57.34 to 70.33. According to the industry distribution chart, Synchrony Financial ranks #95 out of 531 companies in the Credit Services industry, placing it in the top 17.9%.
Is Synchrony Financial's OCF Margin % too high?
Synchrony Financial's current OCF Margin % of 59.03% is 11% below median its 10-year median of 66.42. Over the past 10 years, this metric has ranged from a low of 57.34 to a high of 70.33. The Credit Services industry median OCF Margin % is 2.61. Synchrony Financial's value of 59.03% is 2161.7% above this industry median. Based on the distribution chart, Synchrony Financial ranks #95 out of 531 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 OCF Margin % compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #95 out of 531 companies for OCF Margin %. This places Synchrony Financial in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.61. Synchrony Financial's value of 59.03% is 2161.7% above this benchmark. Historically, Synchrony Financial's own OCF Margin % has ranged from 57.34 to 70.33 over the past decade. While the company's 10-year median is 66.42 vs. the industry median of 2.61, Synchrony Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.61, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current OCF Margin % of 59.03% is 2161.7% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current OCF Margin % is 59.03%, which is 11% below median its own 10-year median of 66.42. 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 $76.24 — trading 16.3% above its estimated fair value. The current OCF Margin % is 59.03%, which is 11% below median its 10-year median of 66.42 and 2161.7% above the Credit Services industry median of 2.61. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Synchrony Financial (SYF), the current OCF Margin % is 59.03% as of Mar. 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 $76.24 is trading 16.3% above its estimated GF Value™ of $65.56.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for SYF:
OCF Margin %: 59.03% (11% below median its 10-year median of 66.42)
GF Value™: $65.56 vs. price of $76.24 (16.3% above fair value)
Industry Position: 2161.7% above the Credit Services median (#95 of 531)
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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