SYF
Synchrony Financial
Set alert
- YTD
- -9.68%
- 1 year
- +2.39%
- Open
- 76.81
- Prev close
- 76.97
- Mkt cap
- 24.52B
- Vol
- 2.92M
- Avg vol
- 3.14M
- EPS
- 9.58
- P/E
- 7.87
- Div yield
- 1.77%
More statistics
- Low
- 74.87
- High
- 76.67
- Forward P/E
- 7.15
- Beta
- 1.34
- Short ratio
- 5.38
- Inst. own
- 113.87%
- Dividend
- 1.36
- Ex-div date
- Nov 4, 2026
- Earnings
- Jan 26, 2027
- 50-d avg
- 75.05
- 200-d avg
- 73.62
- 1y target
- 86.83
Key statistics
- Market cap
- 24.41B
- Enterprise value
- 26.81B
- Trailing P/E
- 7.83
- Forward P/E
- 7.15
- PEG ratio
- 0.95
- Price / sales
- 2.50
- Price / book
- 1.57
- EPS (TTM)
- 9.58
- Beta
- 1.34
- Dividend yield
- 1.77%
- Payout ratio
- 12.94%
- Profit margin
- 34.07%
- Revenue (TTM)
- 9.78B
- Revenue growth
- -4.70%
- Free cash flow
- 0
- Total cash
- 15.90B
- Total debt
- 17.03B
- Return on equity
- 19.83%
- Shares outstanding
- 325.37M
- Short % of float
- 6.72%
- 50-day average
- 75.05
- 200-day average
- 73.62
Analyst view
Consensus: buy
- Target (low)
- 73.00
- Target (mean)
- 86.83
- Target (high)
- 103.00
- Strong buy4
- Buy10
- Hold9
- Sell0
- Strong sell0
Next earnings
Jan 26, 2027
Expected Jan 26, 2027. Consensus EPS estimate 1.98.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 26, 2027 | Dec 30, 2026 | 2.00 | — | — | — |
| Oct 20, 2026 | Sep 30, 2026 | 2.42 | 2.68 | +0.26 | +10.74% |
| Jul 21, 2026 | Jun 30, 2026 | 2.14 | 2.59 | +0.45 | +21.03% |
| Apr 21, 2026 | Mar 31, 2026 | 2.20 | 2.27 | +0.07 | +3.18% |
| Jan 27, 2026 | Dec 31, 2025 | 2.05 | 2.07 | +0.02 | +0.98% |
| Oct 15, 2025 | Sep 30, 2025 | 2.26 | 2.86 | +0.60 | +26.55% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 21, 2026 | JP Morgan | main | Neutral | Neutral |
| Oct 21, 2026 | Evercore ISI Group | down | Outperform | In-Line |
| Oct 21, 2026 | Barclays | main | Overweight | Overweight |
| Oct 12, 2026 | Morgan Stanley | main | Equal-Weight | Equal-Weight |
| Oct 12, 2026 | JP Morgan | main | Neutral | Neutral |
| Oct 9, 2026 | BMO Capital | init | — | Market Perform |
About Synchrony Financial
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.
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Website
- synchrony.com
News
- CareCredit and Clarus Make Checkout Simpler for Veterinary Practices with Real-Time Eligibility Insights for Insurance and Financing Options
- Macro Concerns Grow, But Synchrony's Earnings Remain Resilient
- JP Morgan Maintains Neutral on Synchrony Financial, Raises Price Target to $77
- These Analysts Revise Their Forecasts On Synchrony Financial After Q3 Results
- Evercore ISI Group Downgrades Synchrony Financial to In-Line, Lowers Price Target to $78
- Barclays Maintains Overweight on Synchrony Financial, Raises Price Target to $94
- Synchrony Financial Q3 2026 Earnings Call Transcript
- SpaceX, GE Aerospace On Deck Tuesday As Growth, Aerospace Demand Face Test
- Synchrony Financial Likely To Report Lower Q3 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
- Morgan Stanley Maintains Equal-Weight on Synchrony Financial, Lowers Price Target to $83
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| ALVES PAGET LEONARD | Director | Stock Award(Grant) | Sep 29, 2026 | 53,380 |
| CASELLAS ALBERTO B | Officer | Conversion of Exercise of derivative security | Aug 12, 2026 | 50,512 |
| DOUBLES BRIAN D | Chief Executive Officer | Conversion of Exercise of derivative security | Mar 1, 2026 | 829,222 |
| GUTHRIE ROY A | Director | Stock Award(Grant) | Sep 29, 2026 | 75,807 |
| HOWSE CURTIS | Officer | Sale | Apr 30, 2026 | 86,437 |
| JUEL CAROL D | Chief Technology Officer | Sale | Mar 1, 2026 | 51,446 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 9.92% | 30,893,517 | 2.32B | Jun 29, 2026 |
| Vanguard Capital Management LLC | 7.07% | 22,013,925 | 1.65B | Jun 29, 2026 |
| Capital World Investors | 6.08% | 18,918,854 | 1.42B | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 5.81% | 18,090,018 | 1.36B | Jun 29, 2026 |
| State Street Corporation | 5.69% | 17,733,198 | 1.33B | Jun 29, 2026 |
| Bank of America Corporation | 4.74% | 14,766,088 | 1.11B | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.43% | 10,694,984 | 802.34M | Jun 29, 2026 |
| AMERICAN BALANCED FUND | 3.01% | 9,376,510 | 703.43M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard 500 Index Fund | 2.80% | 8,712,200 | 653.59M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Mid-Cap Index Fund | 2.34% | 7,301,529 | 547.76M | Jun 29, 2026 |
| First TRT Exch-Trd Fd. VI-First TRT Rising Dividend Achievers ETF | 2.10% | 6,550,938 | 491.45M | Sep 29, 2026 |
| Income Fund of America | 1.95% | 6,080,879 | 456.19M | Sep 29, 2026 |