What is Synchrony Financial (SYF)'s PEG ratio?

Synchrony Financial (SYF) has a PEG ratio of 0.25 (Potentially Undervalued), based on a PE ratio of 8.3 and expected EPS growth of 32.6% (5-Year EPS CAGR).

Is SYF undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 0.25, Synchrony Financial (SYF) screens as "Potentially Undervalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/SYF.

Synchrony Financial (SYF) PEG Ratio

Potentially Undervalued

PE ratio relative to earnings growth — is the valuation justified?

0.25

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

0.25

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$80.75

TTM EPS

$9.76

P/E Ratio

8.27

Growth Rate

32.6%

5-Year EPS CAGR

Sector

Financial Services

Financial - Credit Services

Calculated

8/18/2026

6:12:16 AM

Peer Comparison

Sample Size

5 peers

Industry Median PEG

1.16

25th Percentile

0.64

75th Percentile

1.18

SYF PEG (0.25) vs Industry Median (1.16): 78% discount

Symbol	Company	PEG	P/E	Growth	vs SYF
SYF-PA	Synchrony Financial	0.06	2.0	32.6%	-76%
BFH	Bread Financial Holdings, Inc.	0.64	8.0	12.5%	+151%
MTB	M&T Bank Corporation	1.16	13.3	11.5%	+359%
BK	The Bank of New York Mellon Corporation	1.18	16.8	14.2%	+366%
CFG	Citizens Financial Group, Inc.	1.35	16.2	11.9%	+434%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Synchrony Financial (SYF) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on SYF

Compare with peers

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Synchrony Financial (SYF) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on SYF

Compare with peers

Explore