Synchrony Financial (SYF) Stock AnalysisSYFStock AnalysisSynchrony Financial

Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits. It operates in the Financials sector (FINANCE SERVICES industry).

Synchrony Financial is a good buy right now due to its strong fundamentals and positive growth outlook. The current price is $78.05, and the company has achieved a remarkable 35.5% annual compounded EPS growth over the past two years. Additionally, the forward P/E ratio is 8.569, indicating it is undervalued compared to its growth potential. However, the main risk is the delinquency rate at 4.16%, which is higher than Capital One's 3.13%, suggesting some credit risk.

21 analysts cover SYF: 15 rate it Buy, 6 Hold and 0 Sell. The average price target is 94.60.