Synchrony Financial
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Synchrony Financial's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$16Sales grew 28% in 3 years; of every extra $100 of sales, $16 became extra profit.
Lower than 60% of Financial Services companies in United States.
Asset Productivity Ratio
+28% / +14%In 3 years sales changed by +28% while total assets changed by +14%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 51% of Financial Services companies in United States.
Tangible Net Worth Ratio
84%Of every $100 of net worth, $84 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 51% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Synchrony Financial owes $0.86 for every $1 it owns. Net profit rose 2% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
7.7Investors pay $7.7 for every $1 of Synchrony Financial's yearly profit, lower than 88% of Financial Services companies in United States.
P/B ratio
1.42The share price is 1.42 times Synchrony Financial's book value per share, higher than 63% of Financial Services companies in United States.
Market cap
$24.0 BThe total market value of all of Synchrony Financial's shares at today's price (share price × number of shares), larger than 92% of Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$16.9 BWhat Synchrony Financial would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$51.93Net worth divided by the number of shares. The share price of $73.64 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
19.8%Synchrony Financial earned 19.8% on its shareholders' money over the last year, higher than 86% of Financial Services companies in United States.
Owes vs Owns
0.86×Synchrony Financial owes $0.86 for every $1 it owns (high), higher than 56% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.81%Synchrony Financial pays 1.81% of its share price as dividends a year, lower than 75% of dividend-paying Financial Services companies in United States.
Revenue growth
-0%Revenue fell 0% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Profit growth
+2%Net profit rose 2% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
23.7%Synchrony Financial keeps $24 of every $100 of revenue as net profit.
Questions
What is Synchrony Financial's P/E ratio?
Investors pay $7.7 for every $1 of Synchrony Financial's yearly profit, lower than 88% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Synchrony Financial: $24.0 B ÷ $16.9 B (30 Jun 2026) = 1.4.
What is Synchrony Financial's return on equity?
Synchrony Financial earned 19.8% on its shareholders' money over the last year, higher than 86% of Financial Services companies in United States.
How much does Synchrony Financial owe compared with what it owns?
Synchrony Financial owes $0.86 for every $1 it owns (high), higher than 56% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Synchrony Financial pay a dividend?
Yes. Synchrony Financial pays 1.81% of its share price as dividends a year, lower than 75% of dividend-paying Financial Services companies in United States.
Is Synchrony Financial's revenue growing?
Revenue fell 0% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.