Synchrony Financial (MEX:SYF) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MEX:SYF Synchrony Financial MEX:SYF
68 GF Score
Price MXN1,283.00
GF Value MXN1,176.80
Valuation Fairly Valued
! 2 Warning Signs
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What is Synchrony Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Synchrony Financial is: High Risk: High uncertainty with risk-return tradeoff.

Synchrony Financial  (MEX:SYF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Synchrony Financial Risk Assessment Related Terms

MEX:SYF vs AFRM, SOFI, ALLY: Risk Assessment Comparison

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

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

* The bar in red indicates where Synchrony Financial's Risk Assessment falls into.


MEX:SYF
68GF Score
Synchrony Financial MEX:SYF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Synchrony Financial (MEX:SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of MXN1,283.00 is trading 9% above its estimated GF Value™ of MXN1,176.80. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for MEX:SYF:

  • Risk Assessment:
  • GF Value™: MXN1,176.80 vs. price of MXN1,283.00 (9% above fair value)
  • GF Score™: 68/100 with 2 warning signs

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 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).
68GF Score

Get the complete analysis for MEX:SYF

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

MXN1,283.00
Price
MXN1,176.80
GF Value