SYF (Synchrony Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


SYF Synchrony Financial SYF
73 GF Score
Price $76.33
GF Value $66.15
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Synchrony Financial ROC (Joel Greenblatt) %?

Synchrony Financial SYF -0.57% 73 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 73/100 and a GF Value™ of $66.15 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 413 Credit Services companies, Synchrony Financial ranks worse than 242130.51% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

SYF
73GF Score
Synchrony Financial SYF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Synchrony Financial (SYF) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Synchrony Financial and its competitors. According to the industry distribution chart, Synchrony Financial ranks #999999 out of 413 companies in the Credit Services industry.
Is Synchrony Financial's ROC (Joel Greenblatt) % too high?
Synchrony Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Synchrony Financial ranks #999999 out of 413 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Synchrony Financial has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's ROC (Joel Greenblatt) % compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #999999 out of 413 companies for ROC (Joel Greenblatt) %. This places Synchrony Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current ROC (Joel Greenblatt) % is %. 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 $66.15, compared to a current price of $76.33 — trading 15.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Synchrony Financial's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Synchrony Financial (SYF), the current ROC (Joel Greenblatt) % is % 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 $76.33 is trading 15.4% above its estimated GF Value™ of $66.15. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $66.15 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.33
Price
$66.15
GF Value