6 Undervalued Consumer Finance Stocks for Monday, May 18
Discover the top 6 undervalued Consumer Finance stocks for Monday, May 18 based on AAII’s Stock Grades.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Commentary & Analysis
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Learn more about whether FirstCash Holdings, Inc. or Synchrony Financial is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
What You Need to Know About Synchrony Financial's Q2 Earnings
Synchrony Financial's fiscal Q2 earnings report was released on Tuesday, April 21. Let's dive in to see if (SYF) missed or beat analyst's expectations.Tudor Pop
5 Undervalued Consumer Finance Stocks for Tuesday, April 14
Discover the top 5 undervalued Consumer Finance stocks for Tuesday, April 14 based on AAII’s Stock Grades.Tudor Pop
Why Synchrony Financial’s (SYF) Stock Is Down 5.76%
As of Friday, February 27, Synchrony Financial’s SYF share price has dipped by 5.76%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | SYF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $23,302.4 | $753.1 | 88% |
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| Shares Out (Mil) | 322.4 | 36.6 | 83% |
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| Institutional Ownership | 99.6% | 79.0% | 91% |
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| Float (Mil) | 309.1 | 32.8 | 80% |
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| Beta | 1.34 | 1.10 | 77% |
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| Avg Daily Volume (000s) | 4,033 | 347 | 90% |
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| Price Change (52-week) |
2.2% | 70.5% | 55% |
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| Growth | SYF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.8% | 10.3% | 61% |
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| Net Income (5yr) | 20.7% | 16.1% | 74% |
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| EPS (5yr) | 32.5% | 15.9% | 83 |
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| Dividends (5yr) | 5.5% | 0.0% | 83% |
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| Cash Flow (5yr) | 19.1% | (2.8%) | 78% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | 17 | na | |
| Current EPS | na | $9.546 | na | |
| Month Ago EPS | na | $9.423 | na | |
| # Rev Up | na | 0 | na | |
| # Rev Down | na | 0 | na | |
| Three Months Ago EPS | na | $9.385 | na | |
| Year/Year Chg | na | 2.9% | na | |
| Financials | SYF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $9,783 | $1,286 | 84% |
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| Net Income (TTM) (Mil) | $3,333 | $154 | 95% |
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| EPS (TTM) | $9.642 | $1.400 | 94% |
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| Operating Cash Flow (TTM) (Mil) | $9,555 | $247 | 97% |
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| Net Cash Flow (TTM) (Mil) | $410 | $2 | 89% |
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| Long-Term Debt (Q1) (Mil) | $12,525 | $1,110 | 93% |
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| Enterprise Value (Q1) (Mil) | na | $1,317 | na |
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| Valuation | SYF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.57 | 1.16 | 44% |
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| P/E | 7.8 | 9.3 | 10% |
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| Dividend Yield | 1.8% | 0.0% | 74% |
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| PEG (5yr hist) | 0.2 | 0.5 | 11% |
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| Ratios | SYF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 75.2% | na |
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| Net Margin | 34.1% | 10.6% | 92% |
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| ROA | 2.8% | 2.8% | 60% |
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| ROE | 21.7% | 13.2% | 81% |
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| Liabilities to Assets | 86.5% | 78.5% | 80% |
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| F-Score | 4 | 5 | 34% |
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Passing Stock Screens
As of 10/26/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
GURU STRATEGY
Neff Screen
Factors: Value, Growth
An approach using a stringent contrarian viewpoint—finding undervalued, out-of-favor stocks in the bargain basement that have an optimistic future.
| Performance Since Inception: | 14.4% |
| +/- S&P 500: | +6.9 |
GURU STRATEGY
Buffett: Hagstrom Screen
Factors: Value, Quality, Growth
Hagstrom identifies 12 basic principles that a company should possess to be considered for purchase.
| Performance Since Inception: | 13.6% |
| +/- S&P 500: | +6.1 |
