Synchrony Financial SYF

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76.82 USD +1.47 +1.95%

At close · Nov 2

76.82 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
76.81 × 400
Ask
76.85 × 200
76.00 Day range 77.16
63.08 52-week range 88.77
YTD
-7.92%
1 year
+3.28%
Open
76.39
Prev close
75.35
Mkt cap
24.99B
Vol
5.66M
Avg vol
3.14M
EPS
9.58
P/E
8.02
Div yield
1.80%
More statistics
Low
76.00
High
77.16
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

5Y chart

Chart tools
Interval

Events in this range
  • Feb 9, 2022Dividend: 0.22
  • Apr 29, 2022Dividend: 0.22
  • Jul 29, 2022Dividend: 0.23
  • Oct 31, 2022Dividend: 0.23
  • Nov 10, 2022Dividend: 0.23
  • Feb 3, 2023Dividend: 0.23
  • May 1, 2023Dividend: 0.23
  • Jul 28, 2023Dividend: 0.25
  • Oct 31, 2023Dividend: 0.25
  • Feb 2, 2024Dividend: 0.25
  • May 3, 2024Dividend: 0.25
  • Aug 5, 2024Dividend: 0.25
  • Nov 4, 2024Dividend: 0.25
  • Feb 3, 2025Dividend: 0.25
  • May 5, 2025Dividend: 0.3
  • Aug 5, 2025Dividend: 0.3
  • Oct 15, 2025Earnings: 2.86; estimate 2.26; surprise 26.55%
  • Nov 5, 2025Dividend: 0.3
  • Jan 27, 2026Earnings: 2.07; estimate 2.05; surprise 0.98%
  • Feb 6, 2026Dividend: 0.3
  • Apr 21, 2026Earnings: 2.27; estimate 2.2; surprise 3.18%
  • May 5, 2026Dividend: 0.3
  • Jul 21, 2026Earnings: 2.59; estimate 2.14; surprise 21.03%
  • Aug 5, 2026Dividend: 0.34
  • Oct 9, 2026Rating: BMO Capital · — → Market Perform
  • Oct 12, 2026Rating: JP Morgan · Neutral → Neutral
  • Oct 12, 2026Rating: Morgan Stanley · Equal-Weight → Equal-Weight
  • Oct 20, 2026Earnings: 2.68; estimate 2.42; surprise 10.74%
  • Oct 21, 2026Rating: Barclays · Overweight → Overweight
  • Oct 21, 2026Downgrade: Evercore ISI Group · Outperform → In-Line
  • Oct 21, 2026Rating: JP Morgan · Neutral → Neutral
  • Nov 5, 2026Dividend: 0.34
Signals (103)
NameDateAgo
SMA: BullishOct 26, 20261 week ago
SMA: BullishOct 26, 20261 week ago
SMA: BearishSep 21, 20261 month ago
MACD: Sell SignalSep 21, 20261 month ago
SMA: BearishSep 7, 20261 month ago
SMA: BullishJul 27, 20263 months ago
SMA: BullishJul 27, 20263 months ago
SMA: BearishJul 20, 20263 months ago
SMA: BullishJul 13, 20263 months ago
SMA: BearishJul 6, 20263 months ago
SMA: BearishJul 6, 20263 months ago
SMA: BullishJun 15, 20264 months ago
SMA: BullishJun 15, 20264 months ago
MACD: Buy SignalJun 8, 20264 months ago
MACD: Sell SignalMay 25, 20265 months ago
SMA: BearishMay 18, 20265 months ago
SMA: BearishMay 4, 20266 months ago
MACD: Buy SignalApr 20, 20266 months ago
SMA: BullishApr 13, 20266 months ago
SMA: BullishApr 6, 20267 months ago
SMA: BearishJan 26, 20269 months ago
MACD: Sell SignalJan 19, 20269 months ago
SMA: BearishJan 12, 20269 months ago
RSI: OverboughtJan 5, 202610 months ago
RSI: OverboughtDec 8, 202510 months ago
MACD: Buy SignalDec 1, 202511 months ago
SMA: BullishNov 17, 202511 months ago
SMA: BearishNov 3, 202512 months ago
SMA: BullishOct 20, 20251 year ago
MACD: Sell SignalOct 6, 20251 year ago
SMA: BearishSep 29, 20251 year ago
SMA: BullishJun 16, 20251 year ago
MACD: Buy SignalMay 26, 20251 year ago
SMA: BearishMay 19, 20251 year ago
SMA: BullishMay 12, 20251 year ago
SMA: BullishApr 28, 20251 year ago
RSI: OversoldMar 31, 20251 year ago
SMA: BearishMar 3, 20251 year ago
SMA: BearishFeb 10, 20251 year ago
MACD: Sell SignalFeb 3, 20251 year ago
SMA: BullishJan 13, 20251 year ago
RSI: OverboughtJan 13, 20251 year ago
SMA: BearishJan 6, 20251 year ago
RSI: OverboughtNov 4, 20241 year ago
RSI: OverboughtOct 14, 20242 years ago
MACD: Buy SignalSep 30, 20242 years ago
SMA: BullishSep 16, 20242 years ago
SMA: BearishSep 2, 20242 years ago
SMA: BullishAug 19, 20242 years ago
SMA: BearishAug 12, 20242 years ago
SMA: BullishAug 5, 20242 years ago
MACD: Sell SignalAug 5, 20242 years ago
SMA: BearishJul 29, 20242 years ago
RSI: OverboughtJul 8, 20242 years ago
MACD: Buy SignalJul 1, 20242 years ago
SMA: BullishJun 17, 20242 years ago
SMA: BearishJun 10, 20242 years ago
MACD: Sell SignalMay 27, 20242 years ago
RSI: OverboughtApr 29, 20242 years ago
MACD: Buy SignalApr 22, 20242 years ago
SMA: BullishApr 15, 20242 years ago
MACD: Sell SignalApr 15, 20242 years ago
SMA: BearishApr 8, 20242 years ago
RSI: OverboughtMar 25, 20242 years ago
RSI: OverboughtMar 4, 20242 years ago
RSI: OverboughtJan 1, 20242 years ago
SMA: BullishNov 27, 20232 years ago
MACD: Buy SignalNov 27, 20232 years ago
SMA: BullishNov 13, 20232 years ago
SMA: BearishSep 18, 20233 years ago
SMA: BullishSep 11, 20233 years ago
SMA: BearishSep 4, 20233 years ago
MACD: Sell SignalSep 4, 20233 years ago
SMA: BullishAug 28, 20233 years ago
SMA: BearishAug 21, 20233 years ago
SMA: BearishAug 14, 20233 years ago
SMA: BullishMay 29, 20233 years ago
MACD: Buy SignalMay 29, 20233 years ago
SMA: BullishMay 15, 20233 years ago
SMA: BearishMar 6, 20233 years ago
SMA: BearishMar 6, 20233 years ago
MACD: Sell SignalMar 6, 20233 years ago
SMA: BullishJan 16, 20233 years ago
SMA: BullishJan 9, 20233 years ago
SMA: BearishDec 19, 20223 years ago
SMA: BearishDec 12, 20223 years ago
SMA: BullishOct 24, 20224 years ago
SMA: BullishOct 17, 20224 years ago
SMA: BearishSep 12, 20224 years ago
SMA: BullishSep 5, 20224 years ago
SMA: BearishAug 29, 20224 years ago
SMA: BearishAug 15, 20224 years ago
SMA: BullishAug 8, 20224 years ago
SMA: BullishJul 18, 20224 years ago
MACD: Buy SignalJul 11, 20224 years ago
RSI: OversoldJun 27, 20224 years ago
SMA: BearishMay 30, 20224 years ago
SMA: BullishMay 23, 20224 years ago
SMA: BearishMay 9, 20224 years ago
SMA: BullishMay 2, 20224 years ago
RSI: OversoldMar 28, 20224 years ago
RSI: OversoldFeb 28, 20224 years ago
SMA: BearishJan 17, 20224 years 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

Analyst view

Consensus: buy

Buy
Price target (mean) 86.78 +13.0% upside
Target (low)
73.00
Target (mean)
86.78
Target (high)
103.00
Ratings (0m) 23 14 buy · 9 hold · 0 sell
  • Strong buy4
  • Buy10
  • Hold9
  • Sell0
  • Strong sell0

Next earnings

Jan 26, 2027

Expected Jan 26, 2027. Consensus EPS estimate 1.97.

Earnings history

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

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%30,893,5172.37BJun 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