SYF: undervalued.
Figures as of the 2026-09-22 close.
Synchrony Financial carries debt worth 0.97 times its shareholders' equity, a moderate load. Its current assets cover its short-term liabilities 3.72 times.
We do not compute an Altman Z-Score for SYF: its latest annual report lacks a figure the formula needs, and we would rather say so than estimate it.
It passes 6 of the 6 Piotroski F-Score tests we could evaluate, out of nine, which checks whether profitability, leverage and efficiency improved from one annual report to the next. Which tests it passes, and the red flags in its accounts, are in the full analysis.