Synchrony Financial (SYF) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Synchrony Financial (SYF) scores 5.0 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on profitability, and predictability is what holds it back.
2 pillars, solvency and efficiency, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Synchrony Financial’s returns on capital beat their cost in most measured years: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, Synchrony Financial earns 5.0 out of 10 for business quality as of October 16, 2026. That is mixed quality on our scale. A mixed reading means the strengths and weaknesses roughly cancel out, and the case for the business depends on which pillars you care about most. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Among the 261 Financials companies with a published score, that ranks at the 28th percentile, just below the middle of the group. The median across the group is 5.9, and the top quarter begins at 6.8, so Synchrony Financial is below the typical company here.
Profitability scores 6.9 out of 10, which reads as average. The median across 255 Financials companies is 6.8, so Synchrony Financial is in line with its peers on this pillar and ranks at the 53rd percentile. Profitability in the middle of the range is neither a moat nor a warning: margins and returns look like those of an ordinary business in this line of work.
There is no solvency score for Synchrony Financial: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 140 Financials companies the median for this pillar is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
On growth, Synchrony Financial scores 5.0, an average reading. Its peers have a median of 4.6 across 241 Financials companies, which places it in line with them, at the 59th percentile. A middling growth reading is typical of a mature company whose next step depends on reinvestment rather than on its market growing for it.
There is no efficiency score for Synchrony Financial: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 211 Financials companies the median for this pillar is 5.8. Without it the overall cannot say how well reported profit turns into cash.
Synchrony Financial’s predictability score is 2.7 out of 10 (weak). Against a median of 4.9 among 256 Financials companies, that is well below the group and the 17th percentile. Weak predictability means revenue or earnings have swung widely from year to year, so any single year’s figures are a less reliable guide.
This is a lopsided profile. Profitability scores 6.9 but predictability only 2.7, a gap of 4.2 points, so the overall hides a business that is excellent in one respect and weak in another. Leading with profitability is the most valuable kind of strength, because margins and returns are what the other pillars ultimately feed. A predictability shortfall means the record is volatile, so the averages behind the other pillars move more than they appear to.
Closing the gap on predictability would do the most for the overall. At the median of Financials companies, 4.9, Synchrony Financial would score about 5.7 instead of 5.0. Only three of the five pillars could be scored. Together they carry 65 of the 100 weight points (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and the overall is the weighted average of those alone.
These are the Financials companies closest to Synchrony Financial in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Synchrony Financial scores 5.0 out of 10, which reads as mixed quality. Its strongest pillar is profitability, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Synchrony Financial ranks at the 28th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Synchrony Financial’s 5.0.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for SYF are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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