SYF
Synchrony Financial
PEG ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: SYF
- PEG Ratio
As of Jul 2, 2026, SYF's PE to growth ratio of 0.24 reflects its valuation relative to its growth rate. This result reflects a P/E ratio of 7.8 measured against EPS growth of 32.9%. When compared to the trailing 4-quarter average of 0.55, SYF's PEG ratio reflects a 56% decrease.
SYF PEG ratio history
Synchrony Financial's ten years historical PEG ratio has a mean of 1.76. Compared to historical data, SYF's 0.24 PEG ratio represents a drop of 86%. SYF hit its maximum PEG ratio of 14.01 during the Jun 2017 quarter over the last ten years. The Sep 2021 quarter marked the lowest reading at 0.03, indicating the most favorable growth-adjusted valuation.
Synchrony Financial PEG ratio by year
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| 2025 | 1.03 | 8.89 | 8.6% |
| 2024 | 0.11 | 7.52 | 65.8% |
| 2023 | N/A | 7.33 | -15.8% |
| 2022 | N/A | 5.31 | -16.4% |
| 2021 | 0.03 | 6.27 | 224.6% |
| 2020 | N/A | 15.22 | -59.2% |
| 2019 | 0.13 | 6.44 | 48.7% |
| 2018 | 0.11 | 6.24 | 54.7% |
| 2017 | N/A | 15.89 | -10.3% |
| 2016 | 7.04 | 13.38 | 1.9% |
| 2015 | N/A | 11.43 | -4.3% |
| 2014 | N/A | 10.7 | -1.1% |
| 2013 | N/A | N/A | -6.3% |
| 2012 | N/A | N/A | N/A |
| 2011 | N/A | N/A | N/A |
Synchrony Financial PEG ratio by quarter (TTM)
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| Mar 2026 | 0.21 | 6.96 | 32.9% |
| Dec 2025 | 1.03 | 8.89 | 8.6% |
| Sep 2025 | 0.4 | 7.69 | 19.4% |
| Jun 2025 | 0.56 | 8.03 | 14.3% |
| Mar 2025 | 1.53 | 7.19 | 4.7% |
| Dec 2024 | 0.11 | 7.52 | 65.8% |
| Sep 2024 | 0.16 | 6.44 | 41.5% |
| Jun 2024 | 0.2 | 6.49 | 33.2% |
| Mar 2024 | 0.27 | 6.13 | 22.3% |
| Dec 2023 | N/A | 7.33 | -15.8% |
| Sep 2023 | N/A | 5.59 | -14.4% |
| Jun 2023 | N/A | 6.21 | -21.2% |
| Mar 2023 | N/A | 5.06 | -22.8% |
| Dec 2022 | N/A | 5.31 | -16.4% |
| Sep 2022 | N/A | 4.41 | -10.4% |
SYF average PEG ratio chart
Measured against past performance, SYF's PEG ratio is lower than the 3, 5 and 10-year averages.
PEG comparison
Synchrony Financial's PEG of 0.24 is lower than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 0.48, Synchrony Financial's PEG is 50% lower.
SYF EPS growth
SYF Price vs fair value
SYF PEG vs peers
SYF reports a PEG ratio lower than that of peer stocks V and MA.
| Stock name | PEG ratio | Market cap |
|---|---|---|
| SYF Synchrony Financial | 0.24 | $25.72B |
| MA Mastercard Inc | 1.48 | $476.6B |
| V Visa Inc | 2.03 | $659.32B |
| URI United Rentals Inc | 19.99 | $68.82B |
Frequently asked questions
What is Synchrony Financial's PEG ratio?
According to Jul 2, 2026 figures, SYF's PEG ratio stands at 0.24.
What is the 3-year average PEG ratio for Synchrony Financial (SYF)?
Historical data over a 3-year period puts SYF's average PEG ratio at 0.5.
What is the 5-year average PEG ratio for Synchrony Financial (SYF)?
Historical data over a 5-year period puts SYF's average PEG ratio at 0.36.
What is the highest PEG ratio for SYF?
SYF's PEG ratio topped out at 14.01 during the Jun 2017 quarter - the highest in ten years.
How does the current PEG ratio for SYF compare to its historical average?
At present, SYF's PEG ratio is 86% lower than its 10-year historical average.
Why is Synchrony Financial's PEG ratio so low?
The 0.24 PEG ratio for SYF reflects robust earnings growth outpacing the current valuation.
How is SYF's PEG ratio calculated (Synchrony Financial PEG ratio formula)?
Computing the PEG ratio involves dividing the PE ratio by the company's earnings per share growth (YoY TTM). As of Jul 2, 2026, Synchrony Financial has a PE ratio of 7.8. Earnings grew at 32.9% over the TTM period ending Mar 2026. Applying the formula, this gives a PEG ratio of 0.24. PEG RATIO(0.24) = PE RATIO(7.8) / EPS GROWTH(32.9%)
All PEG ratio stats are based on quarterly TTM periods, unless otherwise specified.