Is Synchrony Financial (SYF-PA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 48.5% | |
| Net Margin | 36.4% | |
| Return on Equity (ROE) | 21.3% | |
| Return on Assets (ROA) | 3.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $9.9B |
| Free Cash Flow | $9.9B |
| Total Debt | $15.2B |
| Total Assets | $119.1B |
Price & Trading
| Last Close | $18.69 |
| 50-Day MA | $19.51 |
| 200-Day MA | $19.70 |
| Avg Volume | 49K |
| Beta | 1.4 |
|
52-Week Range
$16.19
| |
About Synchrony Financial (SYF-PA)
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.
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Frequently Asked Questions
Is Synchrony Financial (SYF-PA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Synchrony Financial is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Synchrony Financial's debt ratio?
Synchrony Financial's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Synchrony Financial's key financial metrics?
Synchrony Financial has a market capitalization of N/A, trailing P/E ratio of 2.5, and revenue of $15.0B. Return on equity stands at 21.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.