Synchrony Financial (BSP:S1YF34) ROC %: % (As of Jun. 2026)

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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.
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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.

BSP:S1YF34 Synchrony Financial BSP:S1YF34
73 GF Score
Price R$383.77
GF Value R$364.41
Valuation Fairly Valued
! 2 Warning Signs
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What is Synchrony Financial ROC %?

Synchrony Financial BSP:S1YF34 73 ROC % is % as of Jun. 2026. GuruFocus rates BSP:S1YF34 with a GF Score™ of 73/100 and a GF Value™ of R$364.41 (Fairly Valued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

BSP:S1YF34
73GF Score
Synchrony Financial BSP:S1YF34
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Synchrony Financial (BSP:S1YF34) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's ROC % too high?
Synchrony Financial's current ROC % is %. Overall, Synchrony Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's ROC % compare to AFRM and SOFI?
Synchrony Financial's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current ROC % 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 (BSP:S1YF34) is currently considered Fairly Valued. The stock's GF Value™ is R$364.41, compared to a current price of R$383.77 — trading 5.3% above its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For Synchrony Financial (BSP:S1YF34), the current ROC % is % as of Jun. 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 (BSP:S1YF34) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of R$383.77 is trading 5.3% above its estimated GF Value™ of R$364.41. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for BSP:S1YF34:

  • ROC %: %
  • GF Value™: R$364.41 vs. price of R$383.77 (5.3% above fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the BSP:S1YF34 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 BSP:S1YF34

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

R$383.77
Price
R$364.41
GF Value