SYF (Synchrony Financial) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


SYF Synchrony Financial SYF
75 GF Score
Price $76.23
GF Value $65.56
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Scaled Net Operating Assets?

Synchrony Financial SYF +1.59% 75 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.56 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Synchrony Financial's operating assets for the quarter that ended in Mar. 2026 was $97,902 Mil. Synchrony Financial's operating liabilities for the quarter that ended in Mar. 2026 was $88,596 Mil. Synchrony Financial's Total Assets for the quarter that ended in Dec. 2025 was $119,095 Mil. Therefore, Synchrony Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

SYF
75GF Score
Synchrony Financial SYF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Synchrony Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(104122-87147)/119463
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=119095 - 14973
=104122

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=102329 - 15182 - 0
=87147

Synchrony Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(97902-88596)/119095
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=121501 - 23599
=97902

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=105024 - 16428 - 0
=88596

* 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 Scaled Net Operating Assets of 0.08 mean?
Synchrony Financial (SYF) has a Scaled Net Operating Assets of 0.08 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Scaled Net Operating Assets too high?
Synchrony Financial's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets compare to AFRM and SOFI?
Synchrony Financial's Scaled Net Operating Assets of 0.08 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Scaled Net Operating Assets is 0.08. 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 $76.23 — trading 16.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Scaled Net Operating Assets is 0.08 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 $76.23 is trading 16.3% above its estimated GF Value™ of $65.56. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: $65.56 vs. price of $76.23 (16.3% above fair value)
  • GF Score™: 75/100 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).
75GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.23
Price
$65.56
GF Value