Synchrony FinancialMEX:SYF 70 PB Ratio is 1.50 as of Jun. 25, 2026, which is 4% below its 10-year median of 1.57. GuruFocus rates MEX:SYF with a GF Score™ of 70/100 and a GF Value™ of MXN1,053.86 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 523 Credit Services companies, Synchrony Financial ranks worse than 68.64% on this metric.
The historical rank and industry rank for Synchrony Financial's PB Ratio or its related term are showing as below:
MEX:SYF'
s PB Ratio Range Over the Past 10 Years
Min: 0.58 Med: 1.57 Max: 2.28
Current: 1.68
During the past 13 years, Synchrony Financial's highest PB Ratio was 2.28. The lowest was 0.58. And the median was 1.57.
MEX:SYF's PB Ratio is ranked worse than 68.64% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs MEX:SYF: 1.68
During the past 12 months, Synchrony Financial's average Book Value Per Share Growth Rate was 12.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Synchrony Financial was 39.90% per year. The lowest was 3.50% per year. And the median was 13.70% per year.
Back to Basics: PB Ratio
Synchrony Financial (MEX:SYF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Synchrony Financial PB Ratio Related Terms
Synchrony Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Synchrony Financial (MEX:SYF) has a PB Ratio of 1.50 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Synchrony Financial and its competitors. This is near median its historical median of 1.57. Over the past decade, Synchrony Financial's PB Ratio has ranged from 0.58 to 2.28. According to the industry distribution chart, Synchrony Financial ranks #359 out of 523 companies in the Credit Services industry, placing it in the top 68.6%.
Is Synchrony Financial's PB Ratio too high?
Synchrony Financial's current PB Ratio of 1.50 is near median its 10-year median of 1.57. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.28. The Credit Services industry median PB Ratio is 1.06. Synchrony Financial's value of 1.50 is 41.5% above this industry median. Based on the distribution chart, Synchrony Financial ranks #359 out of 523 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 Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's PB Ratio compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #359 out of 523 companies for PB Ratio. This places Synchrony Financial in the lower half of its industry. The industry median PB Ratio is 1.06. Synchrony Financial's value of 1.50 is 41.5% above this benchmark. Historically, Synchrony Financial's own PB Ratio has ranged from 0.58 to 2.28 over the past decade. While the company's 10-year median is 1.57 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current PB Ratio of 1.50 is 41.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current PB Ratio is 1.50, which is near median its own 10-year median of 1.57. 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 Overvalued. The stock's GF Value™ is MXN1,053.86, compared to a current price of MXN1,225.70 — trading 16.3% above its estimated fair value. The current PB Ratio is 1.50, which is near median its 10-year median of 1.57 and 41.5% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Synchrony Financial (MEX:SYF), the current PB Ratio is 1.50 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 overvalued.
The current stock price of MXN1,225.70 is trading 16.3% above its estimated GF Value™ of MXN1,053.86.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for MEX:SYF:
PB Ratio: 1.50 (near median its 10-year median of 1.57)
GF Value™: MXN1,053.86 vs. price of MXN1,225.70 (16.3% above fair value)
Industry Position: 41.5% above the Credit Services median (#359 of 523)
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
PB Ratio 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 
