Symbols / SYF $64.94 -0.80%
SYF Chart
About
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.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 23.39B |
| Enterprise Value | 24.18B | Income | 3.47B | Sales | 9.76B |
| Book/sh | 44.74 | Cash/sh | 43.08 | Dividend Yield | 183.00% |
| Payout | 12.39% | Employees | 20000 | IPO | — |
| P/E | 7.00 | Forward P/E | 6.21 | PEG | — |
| P/S | 2.40 | P/B | 1.45 | P/C | — |
| EV/EBITDA | — | EV/Sales | 2.48 | Quick Ratio | — |
| Current Ratio | — | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | 9.28 | EPS next Y | 10.46 | EPS Growth | 7.80% |
| Revenue Growth | 5.00% | Earnings | 2026-04-21 | ROA | 2.98% |
| ROE | 21.30% | ROIC | — | Gross Margin | 0.00% |
| Oper. Margin | 48.53% | Profit Margin | 36.41% | Shs Outstand | 347.60M |
| Shs Float | 345.38M | Short Float | 5.92% | Short Ratio | 2.65 |
| Short Interest | — | 52W High | 88.77 | 52W Low | 40.55 |
| Beta | 1.41 | Avg Volume | 4.51M | Volume | 999.57K |
| Target Price | $90.00 | Recom | Buy | Prev Close | $65.46 |
| Price | $64.94 | Change | -0.80% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$90.00
Mean price target
2. Current target
$64.94
Latest analyst target
3. DCF / Fair value
$139.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$64.94
Low
$71.00
High
$103.00
Mean
$90.00
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-13 | up | Baird | Neutral → Outperform | $83 |
| 2026-01-29 | main | Truist Securities | Hold → Hold | $84 |
| 2026-01-28 | main | JP Morgan | Neutral → Neutral | $84 |
| 2026-01-28 | main | RBC Capital | Sector Perform → Sector Perform | $85 |
| 2026-01-28 | main | Barclays | Overweight → Overweight | $93 |
| 2026-01-28 | main | BTIG | Buy → Buy | $96 |
| 2026-01-12 | main | JP Morgan | Neutral → Neutral | $86 |
| 2026-01-08 | main | TD Cowen | Buy → Buy | $100 |
| 2026-01-06 | main | Barclays | Overweight → Overweight | $101 |
| 2026-01-05 | main | Wells Fargo | Overweight → Overweight | $100 |
| 2026-01-02 | main | Keefe, Bruyette & Woods | Outperform → Outperform | $98 |
| 2025-12-22 | main | Truist Securities | Hold → Hold | $92 |
| 2025-12-17 | main | Wells Fargo | Overweight → Overweight | $95 |
| 2025-12-05 | down | Baird | Outperform → Neutral | $82 |
| 2025-10-17 | main | Truist Securities | Hold → Hold | $78 |
| 2025-10-16 | main | Wells Fargo | Overweight → Overweight | $85 |
| 2025-10-16 | main | Barclays | Overweight → Overweight | $86 |
| 2025-10-16 | reit | BTIG | Buy → Buy | $100 |
| 2025-10-10 | up | HSBC | Hold → Buy | $81 |
| 2025-10-07 | main | UBS | Neutral → Neutral | $79 |
News
RSS: Latest SYF news- Kepler Cheuvreux Suisse SA Acquires New Holdings in Synchrony Financial $SYF - MarketBeat Wed, 11 Mar 2026 11
- Why Synchrony Financial (SYF) Shares Are Plunging Today - Yahoo Finance Mon, 12 Jan 2026 08
- Polaris Partnership Renewal Amid Soft Jobs Data Might Change The Case For Investing In Synchrony Financial (SYF) - simplywall.st ue, 10 Mar 2026 07
- Liquidity Mapping Around (SYF) Price Events - Stock Traders Daily ue, 10 Mar 2026 16
- Up 20% In Last 12 Months, Can Synchrony Financial Stock Move Higher in 2026? - TIKR.com ue, 03 Mar 2026 10
- Why Synchrony Financial (SYF) Shares Are Trading Lower Today - Finviz Fri, 27 Feb 2026 08
- Synchrony Financial $SYF Shares Bought by Vinva Investment Management Ltd - MarketBeat Sun, 08 Mar 2026 13
- Why Synchrony Financial (SYF) Shares Are Trading Lower Today - Yahoo Finance Fri, 27 Feb 2026 08
- Synchrony Financial $SYF Shares Sold by Grantham Mayo Van Otterloo & Co. LLC - MarketBeat Sun, 08 Mar 2026 12
- 3 Reasons Investors Love Synchrony Financial (SYF) - Yahoo Finance Mon, 09 Mar 2026 21
- Synchrony Financial Partnerships With Polaris And Walmart Contrast Weak Momentum - simplywall.st Sat, 07 Mar 2026 05
- Capital World Investors Trims Stock Position in Synchrony Financial $SYF - MarketBeat ue, 10 Mar 2026 11
- Synchrony Financial Stock: Is SYF Outperforming the Financial Sector? - Yahoo Finance Fri, 12 Dec 2025 08
- First Trust Advisors LP Lowers Stock Holdings in Synchrony Financial $SYF - MarketBeat Sat, 07 Mar 2026 10
- Korea Investment CORP Sells 33,133 Shares of Synchrony Financial $SYF - MarketBeat ue, 10 Mar 2026 09
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 66692 | 4489804 | — | Sale at price 67.16 - 67.71 per share. | WENZEL BRIAN J SR. | Chief Financial Officer | — | 2026-03-03 00:00:00 | D |
| 1 | 67554 | 2286991 | — | Conversion of Exercise of derivative security at price 33.53 - 34.30 per share. | DOUBLES BRIAN D | Chief Executive Officer | — | 2026-03-02 00:00:00 | D |
| 2 | 7882 | 533690 | — | Sale at price 67.71 per share. | HOWSE CURTIS | Officer | — | 2026-03-02 00:00:00 | D |
| 3 | 16859 | 1141523 | — | Sale at price 67.71 per share. | JUEL CAROL D | Chief Technology Officer | — | 2026-03-02 00:00:00 | D |
| 4 | 12980 | 878876 | — | Sale at price 67.71 per share. | SCHALLER BARTON W | Officer | — | 2026-03-02 00:00:00 | D |
| 5 | 3865 | 261699 | — | Sale at price 67.71 per share. | OWENS DARRELL | Officer | — | 2026-03-02 00:00:00 | D |
| 6 | 14399 | 974956 | — | Sale at price 67.71 per share. | CASELLAS ALBERTO B | Officer | — | 2026-03-02 00:00:00 | D |
| 7 | 4338 | 293726 | — | Sale at price 67.71 per share. | GENTLEMAN COURTNEY | Officer | — | 2026-03-02 00:00:00 | D |
| 8 | 217554 | 14941869 | — | Sale at price 67.96 - 68.86 per share. | DOUBLES BRIAN D | Chief Executive Officer | — | 2026-03-02 00:00:00 | D |
| 9 | 31255 | 2160033 | — | Stock Award(Grant) at price 69.11 per share. | WENZEL BRIAN J SR. | Chief Financial Officer | — | 2026-02-27 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.23 | 0.23 | 0.23 | 0.24 |
| TotalUnusualItems | -43.00M | -43.00M | ||
| TotalUnusualItemsExcludingGoodwill | -43.00M | -43.00M | ||
| NetIncomeFromContinuingOperationNetMinorityInterest | 3.55B | 3.50B | 2.24B | 3.02B |
| ReconciledDepreciation | 514.00M | 481.00M | 458.00M | 419.00M |
| NetInterestIncome | 18.47B | 18.01B | 17.00B | 15.62B |
| InterestExpense | 4.13B | 4.63B | 3.71B | 1.52B |
| InterestIncome | 22.60B | 22.64B | 20.71B | 17.15B |
| NormalizedIncome | 3.55B | 3.50B | 2.24B | 3.02B |
| NetIncomeFromContinuingAndDiscontinuedOperation | 3.55B | 3.50B | 2.24B | 3.02B |
| DilutedAverageShares | 373.90M | 400.60M | 423.50M | 483.40M |
| BasicAverageShares | 369.90M | 396.50M | 421.20M | 480.40M |
| DilutedEPS | 9.28 | 8.55 | 5.19 | 6.15 |
| BasicEPS | 9.38 | 8.64 | 5.21 | 6.19 |
| DilutedNIAvailtoComStockholders | 3.47B | 3.43B | 2.20B | 2.97B |
| NetIncomeCommonStockholders | 3.47B | 3.43B | 2.20B | 2.97B |
| PreferredStockDividends | 83.00M | 72.00M | 42.00M | 42.00M |
| NetIncome | 3.55B | 3.50B | 2.24B | 3.02B |
| NetIncomeIncludingNoncontrollingInterests | 3.55B | 3.50B | 2.24B | 3.02B |
| NetIncomeContinuousOperations | 3.55B | 3.50B | 2.24B | 3.02B |
| TaxProvision | 1.07B | 1.05B | 666.00M | 946.00M |
| PretaxIncome | 4.62B | 4.55B | 2.90B | 3.96B |
| SpecialIncomeCharges | -43.00M | -43.00M | ||
| RestructuringAndMergernAcquisition | 43.00M | 43.00M | ||
| SellingGeneralAndAdministration | 2.60B | 2.40B | 2.41B | 2.17B |
| SellingAndMarketingExpense | 511.00M | 524.00M | 527.00M | 487.00M |
| GeneralAndAdministrativeExpense | 2.09B | 1.87B | 1.88B | 1.68B |
| SalariesAndWages | 2.09B | 1.87B | 1.88B | 1.68B |
| TotalRevenue | 14.98B | 16.12B | 13.63B | 11.67B |
| OperatingRevenue | 14.98B | 16.12B | 13.63B | 11.67B |
| ProfessionalExpenseAndContractServicesExpense | 936.00M | 936.00M | 842.00M | 832.00M |
| OtherNonInterestExpense | 1.59B | 1.51B | 1.50B | 1.34B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 487.00M | 445.72M | 427.11M | 395.77M |
| PreferredSharesNumber | 50.00M | 30.00M | 30.00M | 30.00M |
| OrdinarySharesNumber | 347.40M | 388.26M | 406.88M | 438.22M |
| ShareIssued | 834.40M | 833.98M | 833.98M | 833.98M |
| NetDebt | 209.00M | 751.00M | 1.72B | 3.90B |
| TotalDebt | 15.18B | 15.46B | 15.98B | 14.19B |
| TangibleBookValue | 12.93B | 13.23B | 11.34B | 10.29B |
| InvestedCapital | 30.73B | 30.82B | 29.15B | 26.33B |
| NetTangibleAssets | 14.15B | 14.45B | 12.07B | 11.03B |
| CommonStockEquity | 15.54B | 15.36B | 13.17B | 12.14B |
| PreferredStockEquity | 1.22B | 1.22B | 734.00M | 734.00M |
| TotalCapitalization | 31.95B | 32.04B | 29.89B | 27.06B |
| TotalEquityGrossMinorityInterest | 16.77B | 16.58B | 13.90B | 12.87B |
| StockholdersEquity | 16.77B | 16.58B | 13.90B | 12.87B |
| GainsLossesNotAffectingRetainedEarnings | -48.00M | -59.00M | -68.00M | -125.00M |
| ForeignCurrencyTranslationAdjustments | -50.00M | -44.00M | -38.00M | -38.00M |
| MinimumPensionLiabilities | 8.00M | 8.00M | 3.00M | 6.00M |
| UnrealizedGainLoss | -6.00M | -23.00M | -33.00M | -93.00M |
| TreasuryStock | 18.91B | 16.07B | 15.20B | 14.17B |
| RetainedEarnings | 24.60B | 21.64B | 18.66B | 16.72B |
| AdditionalPaidInCapital | 9.90B | 9.85B | 9.78B | 9.72B |
| CapitalStock | 1.22B | 1.22B | 735.00M | 735.00M |
| CommonStock | 1.00M | 1.00M | 1.00M | 1.00M |
| PreferredStock | 1.22B | 1.22B | 734.00M | 734.00M |
| TotalLiabilitiesNetMinorityInterest | 102.33B | 102.88B | 103.58B | 91.69B |
| LongTermDebtAndCapitalLeaseObligation | 15.18B | 15.46B | 15.98B | 14.19B |
| LongTermDebt | 15.18B | 15.46B | 15.98B | 14.19B |
| PayablesAndAccruedExpenses | 5.76B | 5.32B | ||
| CurrentAccruedExpenses | 5.76B | 5.32B | ||
| TotalAssets | 119.09B | 119.46B | 117.48B | 104.56B |
| InvestmentsAndAdvances | 2.35B | 3.08B | 3.80B | 4.88B |
| GoodwillAndOtherIntangibleAssets | 2.62B | 2.13B | 1.83B | 1.85B |
| OtherIntangibleAssets | 1.25B | 854.00M | 815.00M | 742.00M |
| Goodwill | 1.36B | 1.27B | 1.02B | 1.10B |
| OtherShortTermInvestments | 2.35B | 3.08B | 3.80B | 4.88B |
| CashAndCashEquivalents | 14.97B | 14.71B | 14.26B | 10.29B |
| CashCashEquivalentsAndFederalFundsSold | 14.97B | 14.71B | 14.26B | 10.29B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 9.85B | 9.85B | 8.59B | 6.69B |
| RepurchaseOfCapitalStock | -2.94B | -1.01B | -1.11B | -3.32B |
| RepaymentOfDebt | -4.33B | -2.98B | -1.26B | -5.28B |
| IssuanceOfDebt | 4.03B | 2.44B | 3.03B | 4.96B |
| IssuanceOfCapitalStock | 0.00 | 488.00M | 0.00 | 0.00 |
| InterestPaidSupplementalData | 4.16B | 4.66B | 3.55B | 1.36B |
| IncomeTaxPaidSupplementalData | 1.09B | 1.12B | 1.29B | 1.11B |
| EndCashPosition | 15.02B | 14.76B | 14.42B | 10.43B |
| BeginningCashPosition | 14.76B | 14.42B | 10.43B | 8.69B |
| ChangesInCash | 262.00M | 334.00M | 3.99B | 1.74B |
| FinancingCashFlow | -4.74B | -611.00M | 9.63B | 5.28B |
| CashFlowFromContinuingFinancingActivities | -4.74B | -611.00M | 9.63B | 5.28B |
| NetOtherFinancingCharges | -63.00M | 36.00M | -22.00M | -44.00M |
| CashDividendsPaid | -510.00M | -470.00M | -448.00M | -476.00M |
| PreferredStockDividendPaid | -83.00M | -72.00M | -42.00M | -42.00M |
| CommonStockDividendPaid | -427.00M | -398.00M | -406.00M | -434.00M |
| NetPreferredStockIssuance | 0.00 | 488.00M | 0.00 | 0.00 |
| PreferredStockIssuance | 0.00 | 488.00M | 0.00 | 0.00 |
| NetCommonStockIssuance | -2.94B | -1.01B | -1.11B | -3.32B |
| CommonStockPayments | -2.94B | -1.01B | -1.11B | -3.32B |
| NetIssuancePaymentsOfDebt | -295.00M | -536.00M | 1.78B | -329.00M |
| NetLongTermDebtIssuance | -295.00M | -536.00M | 1.78B | -329.00M |
| LongTermDebtPayments | -4.33B | -2.98B | -1.26B | -5.28B |
| LongTermDebtIssuance | 4.03B | 2.44B | 3.03B | 4.96B |
| InvestingCashFlow | -4.85B | -8.90B | -14.23B | -10.23B |
| CashFlowFromContinuingInvestingActivities | -4.85B | -8.90B | -14.23B | -10.23B |
| NetOtherInvestingChanges | -852.00M | -688.00M | -722.00M | -549.00M |
| NetInvestmentPurchaseAndSale | 765.00M | 805.00M | 1.39B | 118.00M |
| SaleOfInvestment | 1.95B | 3.62B | 5.01B | 3.98B |
| PurchaseOfInvestment | -1.19B | -2.81B | -3.62B | -3.87B |
| NetBusinessPurchaseAndSale | -161.00M | -1.44B | 0.00 | 0.00 |
| SaleOfBusiness | 0.00 | 491.00M | 0.00 | 0.00 |
| PurchaseOfBusiness | -161.00M | -1.94B | 0.00 | 0.00 |
| OperatingCashFlow | 9.85B | 9.85B | 8.59B | 6.69B |
| CashFlowFromContinuingOperatingActivities | 9.85B | 9.85B | 8.59B | 6.69B |
| ChangeInWorkingCapital | -161.00M | -205.00M | -345.00M | -269.00M |
| ChangeInOtherCurrentAssets | 123.00M | -117.00M | 7.00M | 21.00M |
| ChangeInPayablesAndAccruedExpense | 314.00M | -121.00M | 293.00M | -93.00M |
| ChangeInAccruedExpense | 314.00M | -121.00M | 293.00M | -93.00M |
| ChangeInReceivables | -598.00M | 33.00M | -645.00M | -197.00M |
| ChangesInAccountReceivables | -598.00M | 33.00M | -645.00M | -197.00M |
| OtherNonCashItems | 537.00M | 507.00M | 735.00M | 574.00M |
| DeferredTax | 184.00M | -98.00M | -458.00M | -421.00M |
| DeferredIncomeTax | 184.00M | -98.00M | -458.00M | -421.00M |
| DepreciationAmortizationDepletion | 514.00M | 481.00M | 458.00M | 419.00M |
| DepreciationAndAmortization | 514.00M | 481.00M | 458.00M | 419.00M |
| OperatingGainsLosses | -1.07B | |||
| GainLossOnSaleOfBusiness | 0.00 | -1.07B | 0.00 | 0.00 |
| NetIncomeFromContinuingOperations | 3.55B | 3.50B | 2.24B | 3.02B |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for SYF
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|