Synchrony Financial SYF

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76.19 USD -0.63 -0.82%

As of Nov 3, 10:36 AM ET

Bid
76.14 × 3
Ask
76.18 × 1
75.69 Day range 77.07
63.78 52-week range 88.47
YTD
-8.68%
1 year
+2.95%
Open
77.05
Prev close
76.82
Mkt cap
24.80B
Vol
590.88K
Avg vol
3.19M
EPS
9.58
P/E
7.96
Div yield
1.77%
More statistics
Low
75.69
High
77.07
Forward P/E
7.32
Beta
1.40
Short ratio
5.38
Inst. own
113.75%
Dividend
1.36
Ex-div date
Nov 4, 2026
Earnings
Jan 26, 2027
50-d avg
75.02
200-d avg
73.61
1y target
86.78

1m chart

Chart tools
Interval

Built from the cached one-day intraday bars.

Signals (17)
NameTimeAgo
SMA: BullishNov 3, 10:33 AM3 minutes ago
MACD: Buy SignalNov 3, 10:33 AM3 minutes ago
SMA: BullishNov 3, 10:32 AM4 minutes ago
SMA: BearishNov 3, 10:27 AM9 minutes ago
SMA: BearishNov 3, 10:27 AM9 minutes ago
SMA: BullishNov 3, 10:26 AM10 minutes ago
SMA: BullishNov 3, 10:26 AM10 minutes ago
MACD: Sell SignalNov 3, 10:20 AM16 minutes ago
SMA: BearishNov 3, 10:18 AM18 minutes ago
SMA: BearishNov 3, 10:18 AM18 minutes ago
MACD: Buy SignalNov 3, 10:10 AM26 minutes ago
SMA: BullishNov 3, 10:09 AM27 minutes ago
SMA: BullishNov 3, 10:09 AM27 minutes ago
MACD: Sell SignalNov 3, 10:05 AM31 minutes ago
SMA: BearishNov 3, 10:00 AM36 minutes ago
SMA: BearishNov 3, 9:59 AM37 minutes ago
SMA: BullishNov 3, 9:50 AM46 minutes ago

Key statistics

Market cap
25.00B
Enterprise value
26.30B
Trailing P/E
8.02
Forward P/E
7.32
PEG ratio
0.93
Price / sales
2.56
Price / book
1.61
EPS (TTM)
9.58
Beta
1.40
Dividend yield
1.80%
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
75.02
200-day average
73.61

Financials — quick view

All financials
SYF Revenue — quarterly 2.55B
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
SYF Net income — quarterly 864.00M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
SYF EPS — quarterly 2.71
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026

Earnings

SYF recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 26, 2027Dec 30, 20262.00———
Oct 20, 2026Sep 30, 20262.422.68+0.26+10.74%
Jul 21, 2026Jun 30, 20262.142.59+0.45+21.03%
Apr 21, 2026Mar 31, 20262.202.27+0.07+3.18%
Jan 27, 2026Dec 31, 20252.052.07+0.02+0.98%
Oct 15, 2025Sep 30, 20252.262.86+0.60+26.55%

Upgrades / downgrades

SYF analyst upgrades and downgrades
DateFirmActionFromTo
Oct 21, 2026JP MorganmainNeutralNeutral
Oct 21, 2026Evercore ISI GroupdownOutperformIn-Line
Oct 21, 2026BarclaysmainOverweightOverweight
Oct 12, 2026Morgan StanleymainEqual-WeightEqual-Weight
Oct 12, 2026JP MorganmainNeutralNeutral
Oct 9, 2026BMO Capitalinit—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

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Insider holders

SYF insider holders
InsiderRelationLatest transactionDateShares held
ALVES PAGET LEONARDDirectorStock Award(Grant)Sep 29, 202653,380
CASELLAS ALBERTO BOfficerConversion of Exercise of derivative securityAug 12, 202650,512
DOUBLES BRIAN DChief Executive OfficerConversion of Exercise of derivative securityMar 1, 2026829,222
GUTHRIE ROY ADirectorStock Award(Grant)Sep 29, 202675,807
HOWSE CURTISOfficerSaleApr 30, 202686,437
JUEL CAROL DChief Technology OfficerSaleMar 1, 202651,446

Institution ownership

SYF institution ownership
Holder% heldSharesValueReported
Blackrock Inc.9.92%30,893,5172.37BJun 29, 2026
Vanguard Capital Management LLC7.07%22,013,9251.69BJun 29, 2026
Capital World Investors6.08%18,918,8541.45BJun 29, 2026
Vanguard Portfolio Management LLC5.81%18,090,0181.39BJun 29, 2026
State Street Corporation5.69%17,733,1981.36BJun 29, 2026
Bank of America Corporation4.74%14,766,0881.13BJun 29, 2026

Fund ownership

SYF fund ownership
Holder% heldSharesValueReported
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.43%10,694,984821.70MJun 29, 2026
AMERICAN BALANCED FUND3.01%9,376,510720.40MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard 500 Index Fund2.80%8,712,200669.36MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Mid-Cap Index Fund2.34%7,301,529560.98MJun 29, 2026
First TRT Exch-Trd Fd. VI-First TRT Rising Dividend Achievers ETF2.10%6,550,938503.31MSep 29, 2026
Income Fund of America1.95%6,080,879467.19MSep 29, 2026