Synchrony Financial SYF

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75.18 USD -1.64 (-2.13%)

At closeNov 3, 2026, 4:00 PM EST

75.20 +0.02 +0.03%

After hours · Nov 3, 4:00 PM ET

74.88 Day range 77.07
63.08 52-week range 88.77
YTD
-9.89%
1 year
+1.58%
Market cap
24.46B
Revenue (ttm)
9.78B
Profit margin
34.07%
EPS (ttm)
9.58
Shares out
325.37M
P/E ratio
7.85
Forward P/E
7.16
Dividend
1.36 (1.77%)
Ex-dividend date
Nov 4, 2026
YTD return
-9.89%
1-year return
+1.58%
Volume
4.14M
Avg volume
3.19M
Open
77.05
Previous close
76.82
Day's range
74.88 – 77.07
52-week range
63.08 – 88.77
Beta
1.40
Analysts
Buy
Price target
86.78 (+15.4%)
Earnings date
Jan 26, 2027

1Y +1.88 (+2.56%)

708090Dec 25Feb 26May 26Jul 26Sep 2675.18

Key statistics

Enterprise value
26.76B
PEG ratio
0.95
Price / sales
2.50
Price / book
1.58
Dividend yield
1.77%
Payout ratio
12.94%
Revenue growth
-4.70%
Free cash flow
0
Total cash
15.90B
Total debt
17.03B
Return on equity
19.83%
Short % of float
6.72%
50-day average
74.97
200-day average
73.60

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
Nov 2, 2026UBSmainNeutralNeutral
Oct 21, 2026JP MorganmainNeutralNeutral
Oct 21, 2026Evercore ISI GroupdownOutperformIn-Line
Oct 21, 2026BarclaysmainOverweightOverweight
Oct 12, 2026Morgan StanleymainEqual-WeightEqual-Weight
Oct 12, 2026JP MorganmainNeutralNeutral

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

News

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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%30,893,5172.32BJun 29, 2026
Vanguard Capital Management LLC7.07%22,013,9251.66BJun 29, 2026
Capital World Investors6.08%18,918,8541.42BJun 29, 2026
Vanguard Portfolio Management LLC5.81%18,090,0181.36BJun 29, 2026
State Street Corporation5.69%17,733,1981.33BJun 29, 2026
Bank of America Corporation4.74%14,766,0881.11BJun 29, 2026

Fund ownership

SYF fund ownership
Holder% heldSharesValueReported
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.43%10,694,984804.05MJun 29, 2026
AMERICAN BALANCED FUND3.01%9,376,510704.93MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard 500 Index Fund2.80%8,712,200654.98MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Mid-Cap Index Fund2.34%7,301,529548.93MJun 29, 2026
First TRT Exch-Trd Fd. VI-First TRT Rising Dividend Achievers ETF2.10%6,550,938492.50MSep 29, 2026
Income Fund of America1.95%6,080,879457.16MSep 29, 2026