Synchrony Financial SYF
Set alert
At close · Nov 2
After hours · Nov 2, 4:00 PM ET
- 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
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)
| Name | Date | Ago |
|---|---|---|
| SMA: Bullish | Oct 26, 2026 | 1 week ago |
| SMA: Bullish | Oct 26, 2026 | 1 week ago |
| SMA: Bearish | Sep 21, 2026 | 1 month ago |
| MACD: Sell Signal | Sep 21, 2026 | 1 month ago |
| SMA: Bearish | Sep 7, 2026 | 1 month ago |
| SMA: Bullish | Jul 27, 2026 | 3 months ago |
| SMA: Bullish | Jul 27, 2026 | 3 months ago |
| SMA: Bearish | Jul 20, 2026 | 3 months ago |
| SMA: Bullish | Jul 13, 2026 | 3 months ago |
| SMA: Bearish | Jul 6, 2026 | 3 months ago |
| SMA: Bearish | Jul 6, 2026 | 3 months ago |
| SMA: Bullish | Jun 15, 2026 | 4 months ago |
| SMA: Bullish | Jun 15, 2026 | 4 months ago |
| MACD: Buy Signal | Jun 8, 2026 | 4 months ago |
| MACD: Sell Signal | May 25, 2026 | 5 months ago |
| SMA: Bearish | May 18, 2026 | 5 months ago |
| SMA: Bearish | May 4, 2026 | 6 months ago |
| MACD: Buy Signal | Apr 20, 2026 | 6 months ago |
| SMA: Bullish | Apr 13, 2026 | 6 months ago |
| SMA: Bullish | Apr 6, 2026 | 7 months ago |
| SMA: Bearish | Jan 26, 2026 | 9 months ago |
| MACD: Sell Signal | Jan 19, 2026 | 9 months ago |
| SMA: Bearish | Jan 12, 2026 | 9 months ago |
| RSI: Overbought | Jan 5, 2026 | 10 months ago |
| RSI: Overbought | Dec 8, 2025 | 10 months ago |
| MACD: Buy Signal | Dec 1, 2025 | 11 months ago |
| SMA: Bullish | Nov 17, 2025 | 11 months ago |
| SMA: Bearish | Nov 3, 2025 | 12 months ago |
| SMA: Bullish | Oct 20, 2025 | 1 year ago |
| MACD: Sell Signal | Oct 6, 2025 | 1 year ago |
| SMA: Bearish | Sep 29, 2025 | 1 year ago |
| SMA: Bullish | Jun 16, 2025 | 1 year ago |
| MACD: Buy Signal | May 26, 2025 | 1 year ago |
| SMA: Bearish | May 19, 2025 | 1 year ago |
| SMA: Bullish | May 12, 2025 | 1 year ago |
| SMA: Bullish | Apr 28, 2025 | 1 year ago |
| RSI: Oversold | Mar 31, 2025 | 1 year ago |
| SMA: Bearish | Mar 3, 2025 | 1 year ago |
| SMA: Bearish | Feb 10, 2025 | 1 year ago |
| MACD: Sell Signal | Feb 3, 2025 | 1 year ago |
| SMA: Bullish | Jan 13, 2025 | 1 year ago |
| RSI: Overbought | Jan 13, 2025 | 1 year ago |
| SMA: Bearish | Jan 6, 2025 | 1 year ago |
| RSI: Overbought | Nov 4, 2024 | 1 year ago |
| RSI: Overbought | Oct 14, 2024 | 2 years ago |
| MACD: Buy Signal | Sep 30, 2024 | 2 years ago |
| SMA: Bullish | Sep 16, 2024 | 2 years ago |
| SMA: Bearish | Sep 2, 2024 | 2 years ago |
| SMA: Bullish | Aug 19, 2024 | 2 years ago |
| SMA: Bearish | Aug 12, 2024 | 2 years ago |
| SMA: Bullish | Aug 5, 2024 | 2 years ago |
| MACD: Sell Signal | Aug 5, 2024 | 2 years ago |
| SMA: Bearish | Jul 29, 2024 | 2 years ago |
| RSI: Overbought | Jul 8, 2024 | 2 years ago |
| MACD: Buy Signal | Jul 1, 2024 | 2 years ago |
| SMA: Bullish | Jun 17, 2024 | 2 years ago |
| SMA: Bearish | Jun 10, 2024 | 2 years ago |
| MACD: Sell Signal | May 27, 2024 | 2 years ago |
| RSI: Overbought | Apr 29, 2024 | 2 years ago |
| MACD: Buy Signal | Apr 22, 2024 | 2 years ago |
| SMA: Bullish | Apr 15, 2024 | 2 years ago |
| MACD: Sell Signal | Apr 15, 2024 | 2 years ago |
| SMA: Bearish | Apr 8, 2024 | 2 years ago |
| RSI: Overbought | Mar 25, 2024 | 2 years ago |
| RSI: Overbought | Mar 4, 2024 | 2 years ago |
| RSI: Overbought | Jan 1, 2024 | 2 years ago |
| SMA: Bullish | Nov 27, 2023 | 2 years ago |
| MACD: Buy Signal | Nov 27, 2023 | 2 years ago |
| SMA: Bullish | Nov 13, 2023 | 2 years ago |
| SMA: Bearish | Sep 18, 2023 | 3 years ago |
| SMA: Bullish | Sep 11, 2023 | 3 years ago |
| SMA: Bearish | Sep 4, 2023 | 3 years ago |
| MACD: Sell Signal | Sep 4, 2023 | 3 years ago |
| SMA: Bullish | Aug 28, 2023 | 3 years ago |
| SMA: Bearish | Aug 21, 2023 | 3 years ago |
| SMA: Bearish | Aug 14, 2023 | 3 years ago |
| SMA: Bullish | May 29, 2023 | 3 years ago |
| MACD: Buy Signal | May 29, 2023 | 3 years ago |
| SMA: Bullish | May 15, 2023 | 3 years ago |
| SMA: Bearish | Mar 6, 2023 | 3 years ago |
| SMA: Bearish | Mar 6, 2023 | 3 years ago |
| MACD: Sell Signal | Mar 6, 2023 | 3 years ago |
| SMA: Bullish | Jan 16, 2023 | 3 years ago |
| SMA: Bullish | Jan 9, 2023 | 3 years ago |
| SMA: Bearish | Dec 19, 2022 | 3 years ago |
| SMA: Bearish | Dec 12, 2022 | 3 years ago |
| SMA: Bullish | Oct 24, 2022 | 4 years ago |
| SMA: Bullish | Oct 17, 2022 | 4 years ago |
| SMA: Bearish | Sep 12, 2022 | 4 years ago |
| SMA: Bullish | Sep 5, 2022 | 4 years ago |
| SMA: Bearish | Aug 29, 2022 | 4 years ago |
| SMA: Bearish | Aug 15, 2022 | 4 years ago |
| SMA: Bullish | Aug 8, 2022 | 4 years ago |
| SMA: Bullish | Jul 18, 2022 | 4 years ago |
| MACD: Buy Signal | Jul 11, 2022 | 4 years ago |
| RSI: Oversold | Jun 27, 2022 | 4 years ago |
| SMA: Bearish | May 30, 2022 | 4 years ago |
| SMA: Bullish | May 23, 2022 | 4 years ago |
| SMA: Bearish | May 9, 2022 | 4 years ago |
| SMA: Bullish | May 2, 2022 | 4 years ago |
| RSI: Oversold | Mar 28, 2022 | 4 years ago |
| RSI: Oversold | Feb 28, 2022 | 4 years ago |
| SMA: Bearish | Jan 17, 2022 | 4 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
- Target (low)
- 73.00
- Target (mean)
- 86.78
- Target (high)
- 103.00
- Strong buy4
- Buy10
- Hold9
- Sell0
- Strong sell0
Next earnings
Jan 26, 2027
Expected Jan 26, 2027. Consensus EPS estimate 1.97.
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
- UBS Maintains Neutral on Synchrony Financial, Lowers Price Target to $80
- I Am Buying The Historic Discount In These Preferred Stocks; Yields 8%
- 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
- Why Synchrony (SYF) is a Top Value Stock for the Long-Term
- Synchrony (SYF) Upgraded to Buy: What Does It Mean for the Stock?
- SYF or FUTU: Which Is the Better Value Stock Right Now?
- Should Value Investors Buy Synchrony Financial (SYF) Stock?
- Synchrony Aces The Quarter As Credit Fears Fade
- JP Morgan Maintains Neutral on Synchrony Financial, Raises Price Target to $77
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 | 2.37B | Jun 29, 2026 |
| Vanguard Capital Management LLC | 7.07% | 22,013,925 | 1.69B | Jun 29, 2026 |
| Capital World Investors | 6.08% | 18,918,854 | 1.45B | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 5.81% | 18,090,018 | 1.39B | Jun 29, 2026 |
| State Street Corporation | 5.69% | 17,733,198 | 1.36B | Jun 29, 2026 |
| Bank of America Corporation | 4.74% | 14,766,088 | 1.13B | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.43% | 10,694,984 | 821.70M | Jun 29, 2026 |
| AMERICAN BALANCED FUND | 3.01% | 9,376,510 | 720.40M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard 500 Index Fund | 2.80% | 8,712,200 | 669.36M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Mid-Cap Index Fund | 2.34% | 7,301,529 | 560.98M | Jun 29, 2026 |
| First TRT Exch-Trd Fd. VI-First TRT Rising Dividend Achievers ETF | 2.10% | 6,550,938 | 503.31M | Sep 29, 2026 |
| Income Fund of America | 1.95% | 6,080,879 | 467.19M | Sep 29, 2026 |