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Synchrony Valuation Multiples
Discover revenue and EBITDA valuation multiples for Synchrony and similar public comparables like Shriram Finance, Bajaj Finserv, Eurobank, Jio Financial Services and more.
Synchrony Overview
About Synchrony
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).
Founded
2003
HQ
Employees
20.0K
Website
Sectors
Financials (LTM)
EV
$44B
Synchrony Financials
Synchrony reported last 12-month revenue of $15B.
In the same LTM period, Synchrony generated $3B in net income.
Revenue (LTM)
Synchrony P&L
In the most recent fiscal year, Synchrony reported revenue of $15B and net income of $4B.
Synchrony expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $15B | XXX | $15B | XXX | XXX | XXX |
| EBIT Margin | 65% | XXX | 65% | XXX | XXX | XXX |
| Net Profit | $3B | XXX | $4B | XXX | XXX | XXX |
| Net Margin | 22% | XXX | 24% | XXX | XXX | XXX |
| Net Debt | — | — | $209M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Synchrony Stock Performance
Synchrony has current market cap of $27B, and enterprise value of $44B.
Market Cap Evolution
Synchrony's stock price is $78.34.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $44B | $27B | 0.0% | XXX | XXX | XXX | $10.22 |
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Start Free TrialSynchrony Valuation Multiples
Synchrony trades at 2.9x EV/Revenue multiple.
EV / Revenue (LTM)
Synchrony Financial Valuation Multiples
As of April 19, 2026, Synchrony has market cap of $27B and EV of $44B.
Equity research analysts estimate Synchrony's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Synchrony has a P/E ratio of 8.1x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $27B | XXX | $27B | XXX | XXX | XXX |
| EV (current) | $44B | XXX | $44B | XXX | XXX | XXX |
| EV/Revenue | 2.9x | XXX | 2.9x | XXX | XXX | XXX |
| EV/EBIT | 4.4x | XXX | 4.5x | XXX | XXX | XXX |
| P/E | 8.1x | XXX | 7.7x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 4.4x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Synchrony Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Synchrony Margins & Growth Rates
Synchrony's revenue in the last 12 month grew by 4%.
Synchrony's revenue per employee in the last FY averaged $0.7M, while opex per employee averaged $0.3M for the same period.
Synchrony Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 4% | XXX | 3% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.7M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 6% | XXX | 6% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 14% | XXX | XXX | XXX |
| R&D Expenses to Revenue | 3% | XXX | 3% | XXX | XXX | XXX |
| Opex to Revenue | 34% | XXX | 34% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Synchrony Public Comps
See public comps and valuation multiples for other Consumer Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Synchrony | XXX | XXX | XXX | XXX | XXX | XXX |
| Shriram Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| Bajaj Finserv | XXX | XXX | XXX | XXX | XXX | XXX |
| Eurobank | XXX | XXX | XXX | XXX | XXX | XXX |
| Jio Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| Muthoot Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Synchrony M&A Activity
Synchrony acquired XXX companies to date.
Last acquisition by Synchrony was on XXXXXXXX, XXXXX. Synchrony acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Synchrony
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialSynchrony Investment Activity
Synchrony invested in XXX companies to date.
Synchrony made its latest investment on XXXXXXXX, XXXXX. Synchrony invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Synchrony
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Synchrony
| When was Synchrony founded? | Synchrony was founded in 2003. |
| Where is Synchrony headquartered? | Synchrony is headquartered in United States. |
| How many employees does Synchrony have? | As of today, Synchrony has over 20K employees. |
| Who is the CEO of Synchrony? | Synchrony's CEO is Brian D. Doubles. |
| Is Synchrony publicly listed? | Yes, Synchrony is a public company listed on NYSE. |
| What is the stock symbol of Synchrony? | Synchrony trades under SYF ticker. |
| When did Synchrony go public? | Synchrony went public in 2014. |
| Who are competitors of Synchrony? | Synchrony main competitors are Shriram Finance, Bajaj Finserv, Eurobank, Jio Financial Services. |
| What is the current market cap of Synchrony? | Synchrony's current market cap is $27B. |
| What is the current revenue of Synchrony? | Synchrony's last 12 months revenue is $15B. |
| What is the current revenue growth of Synchrony? | Synchrony revenue growth (NTM/LTM) is 4%. |
| What is the current EV/Revenue multiple of Synchrony? | Current revenue multiple of Synchrony is 2.9x. |
| Is Synchrony profitable? | Yes, Synchrony is net-income-positive (as of the last 12 months). |
| What is the current net income of Synchrony? | Synchrony's last 12 months net income is $3B. |
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