Synchrony Financial (MIL:1SYF) ROC %: % (As of Mar. 2026)


MIL:1SYF Synchrony Financial MIL:1SYF
55 GF Score
Price €61.52
GF Value €73.88
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Synchrony Financial ROC %?

Synchrony Financial MIL:1SYF 55 ROC % is % as of Mar. 2026. GuruFocus rates MIL:1SYF with a GF Score™ of 55/100 and a GF Value™ of €73.88 (Modestly Undervalued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

MIL:1SYF
55GF Score
Synchrony Financial MIL:1SYF
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 (MIL:1SYF) has a ROC % of % as of Mar. 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 55/100 and is considered Modestly Undervalued, 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 417 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 (MIL:1SYF) is currently considered Modestly Undervalued. The stock's GF Value™ is €73.88, compared to a current price of €61.52 — trading 16.7% below its estimated fair value. The current ROC % is %. Synchrony Financial's overall GF Score™ is 55/100 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 (MIL:1SYF), the current ROC % 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 (MIL:1SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be undervalued. The current stock price of €61.52 is trading 16.7% below its estimated GF Value™ of €73.88. GuruFocus considers Synchrony Financial to be Modestly Undervalued.

Key valuation signals for MIL:1SYF:

  • ROC %: %
  • GF Value™: €73.88 vs. price of €61.52 (16.7% below fair value)
  • GF Score™: 55/100 with 2 warning signs

No single metric tells the full story. See the MIL:1SYF 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).
55GF Score

Get the complete analysis for MIL:1SYF

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

€61.52
Price
€73.88
GF Value