Synchrony Financial's ROE % for the quarter that ended in Mar. 2026 was 19.37%. Synchrony Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.50.
Synchrony Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.91%.
Synchrony Financial ROE % Adjusted to Book Value Related Terms
Synchrony Financial ROE % Adjusted to Book Value Historical Data
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The historical data trend for Synchrony Financial's ROE % Adjusted to Book Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Synchrony Financial ROE % Adjusted to Book Value Chart
SYF vs AFRM, SOFI, ALLY: ROE % Adjusted to Book Value Comparison
For the Credit Services subindustry, Synchrony Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's ROE % Adjusted to Book Value falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a ROE % Adjusted to Book Value of 12.91% mean?
Synchrony Financial (SYF) has a ROE % Adjusted to Book Value of 12.91% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's ROE % Adjusted to Book Value too high?
Synchrony Financial's current ROE % Adjusted to Book Value is 12.91%. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's ROE % Adjusted to Book Value compare to AFRM and SOFI?
Synchrony Financial's ROE % Adjusted to Book Value of 12.91% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current ROE % Adjusted to Book Value is 12.91%. 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 $65.56, compared to a current price of $76.32 — trading 16.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 12.91%. Synchrony Financial's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Synchrony Financial (SYF), the current ROE % Adjusted to Book Value is 12.91% 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 $76.32 is trading 16.4% above its estimated GF Value™ of $65.56.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for SYF:
ROE % Adjusted to Book Value: 12.91%
GF Value™: $65.56 vs. price of $76.32 (16.4% above fair value)
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, 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).
75GF Score
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