Symbols / SYF
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 | 26.04B |
| Enterprise Value | 26.24B | Income | 3.47B | Sales | 9.76B |
| Book/sh | 44.74 | Cash/sh | 43.08 | Dividend Yield | 168.00% |
| Payout | 12.39% | Employees | 20000 | IPO | — |
| P/E | 7.79 | Forward P/E | 6.92 | PEG | — |
| P/S | 2.67 | P/B | 1.62 | P/C | — |
| EV/EBITDA | — | EV/Sales | 2.69 | Quick Ratio | — |
| Current Ratio | — | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | 9.28 | EPS next Y | 10.45 | 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 | 345.11M | Short Float | 5.28% | Short Ratio | 2.69 |
| Short Interest | — | 52W High | 88.77 | 52W Low | 40.55 |
| Beta | 1.40 | Avg Volume | 4.25M | Volume | 4.12M |
| Target Price | $90.26 | Recom | Buy | Prev Close | $71.38 |
| Price | $72.31 | Change | 1.30% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$90.26
Mean price target
2. Current target
$72.31
Latest analyst target
3. DCF / Fair value
$139.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$72.31
Low
$71.00
High
$103.00
Mean
$90.26
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- Survey finds drivers underestimate yearly car costs by $4,565 on average - Stock Titan ue, 17 Feb 2026 14
- A Look At Synchrony Financial’s (SYF) Valuation After Recent Share Price Volatility - simplywall.st Mon, 16 Feb 2026 05
- Baird Upgrades Synchrony Financial (SYF) - Nasdaq Mon, 16 Feb 2026 04
- New Analyst Forecast: $SYF Given $83 Price Target - Quiver Quantitative Fri, 13 Feb 2026 12
- Analyst Favorites With Strong Buyback Activity: Synchrony Financial Ranks As a Top Pick - Nasdaq ue, 17 Feb 2026 18
- Short Interest in Synchrony Financial (NYSE:SYF) Declines By 27.1% - MarketBeat Sat, 14 Feb 2026 13
- Cibc World Market Inc. Acquires 36,852 Shares of Synchrony Financial $SYF - MarketBeat Sun, 15 Feb 2026 09
- Synchrony Financial Stock Could Rally Back Near Record Peak - Schaeffer's Investment Research hu, 29 Jan 2026 08
- Rhumbline Advisers Sells 30,730 Shares of Synchrony Financial $SYF - MarketBeat Sat, 14 Feb 2026 10
- Assetmark Inc. Purchases 1,416,909 Shares of Synchrony Financial $SYF - MarketBeat Fri, 13 Feb 2026 08
- COF vs. SYF: Which Credit Card Lender Offers More Upside? - The Globe and Mail Fri, 13 Feb 2026 09
- Are Wall Street Analysts Predicting Synchrony Financial Stock Will Climb or Sink? - Yahoo Finance Wed, 04 Feb 2026 08
- Synchrony Financial Stock: Is SYF Outperforming the Financial Sector? - Yahoo Finance Fri, 12 Dec 2025 08
- LSV Asset Management Increases Position in Synchrony Financial $SYF - MarketBeat hu, 12 Feb 2026 13
- Baird Upgrades SYF to Outperform with Stable $83 Price Target | - GuruFocus Fri, 13 Feb 2026 12
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 4000 | 289280 | — | Sale at price 72.32 per share. | COVIELLO ARTHUR W JR | Director | — | 2026-02-02 00:00:00 | D |
| 1 | 52556 | 3800850 | — | Sale at price 72.32 per share. | HOWSE CURTIS | Officer | — | 2026-02-02 00:00:00 | D |
| 2 | 390751 | 30138625 | — | Stock Award(Grant) at price 77.13 per share. | DOUBLES BRIAN D | Chief Executive Officer | — | 2026-01-21 00:00:00 | D |
| 3 | 63444 | 4893436 | — | Stock Award(Grant) at price 77.13 per share. | MOTHNER JONATHAN S | Officer | — | 2026-01-21 00:00:00 | D |
| 4 | 67590 | 5213217 | — | Stock Award(Grant) at price 77.13 per share. | CASELLAS ALBERTO B | Officer | — | 2026-01-21 00:00:00 | D |
| 5 | 87957 | 6784123 | — | Stock Award(Grant) at price 77.13 per share. | WENZEL BRIAN J SR. | Chief Financial Officer | — | 2026-01-21 00:00:00 | D |
| 6 | 67590 | 5213217 | — | Stock Award(Grant) at price 77.13 per share. | HOWSE CURTIS | Officer | — | 2026-01-21 00:00:00 | D |
| 7 | 79305 | 6116795 | — | Stock Award(Grant) at price 77.13 per share. | JUEL CAROL D | Chief Operating Officer | — | 2026-01-21 00:00:00 | D |
| 8 | 58939 | 4545965 | — | Stock Award(Grant) at price 77.13 per share. | SCHALLER BARTON W | Officer | — | 2026-01-21 00:00:00 | D |
| 9 | 15213 | 1173379 | — | Stock Award(Grant) at price 77.13 per share. | OWENS DARRELL | Officer | — | 2026-01-21 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 | 487.28M | 445.72M | 427.11M | 395.77M |
| PreferredSharesNumber | 50.00M | 30.00M | 30.00M | 30.00M |
| OrdinarySharesNumber | 346.70M | 388.26M | 406.88M | 438.22M |
| ShareIssued | 833.98M | 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 | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|