SYF (Synchrony Financial) Quality Rank


SYF Synchrony Financial SYF
73 GF Score
Price $76.33
GF Value $66.14
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Synchrony Financial Quality Rank Related Terms

SYF
73GF Score
Synchrony Financial SYF
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Synchrony Financial (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $76.33 is trading 15.4% above its estimated GF Value™ of $66.14. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Quality Rank:
  • GF Value™: $66.14 vs. price of $76.33 (15.4% above fair value)
  • GF Score™: 73/100 with 2 warning signs

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 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).
73GF Score

Get the complete analysis for SYF

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.33
Price
$66.14
GF Value