Synchrony Financial SYF
Set alert
At close · Oct 30
After hours · Oct 30, 6:20 PM ET
- 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
2Y chart
Events in this range
- 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
Signals (109)
| Name | Date | Ago |
|---|---|---|
| SMA: Bullish | Oct 28, 2026 | 3 days ago |
| SMA: Bullish | Oct 26, 2026 | 5 days ago |
| SMA: Bearish | Oct 23, 2026 | 1 week ago |
| SMA: Bullish | Oct 21, 2026 | 1 week ago |
| SMA: Bearish | Oct 20, 2026 | 1 week ago |
| SMA: Bullish | Oct 19, 2026 | 1 week ago |
| MACD: Buy Signal | Oct 7, 2026 | 3 weeks ago |
| RSI: Oversold | Sep 23, 2026 | 1 month ago |
| SMA: Bearish | Sep 16, 2026 | 1 month ago |
| SMA: Bearish | Sep 10, 2026 | 1 month ago |
| SMA: Bullish | Sep 2, 2026 | 1 month ago |
| SMA: Bearish | Sep 1, 2026 | 2 months ago |
| MACD: Sell Signal | Aug 20, 2026 | 2 months ago |
| MACD: Buy Signal | Jul 28, 2026 | 3 months ago |
| SMA: Bullish | Jul 27, 2026 | 3 months ago |
| SMA: Bullish | Jul 27, 2026 | 3 months ago |
| SMA: Bearish | Jul 21, 2026 | 3 months ago |
| SMA: Bearish | Jul 17, 2026 | 3 months ago |
| SMA: Bullish | Jul 16, 2026 | 3 months ago |
| SMA: Bullish | Jul 13, 2026 | 3 months ago |
| SMA: Bearish | Jul 8, 2026 | 3 months ago |
| SMA: Bearish | Jul 8, 2026 | 3 months ago |
| MACD: Sell Signal | Jul 7, 2026 | 3 months ago |
| SMA: Bullish | Jun 18, 2026 | 4 months ago |
| SMA: Bearish | Jun 17, 2026 | 4 months ago |
| SMA: Bullish | Jun 15, 2026 | 4 months ago |
| SMA: Bullish | Jun 12, 2026 | 4 months ago |
| MACD: Buy Signal | Jun 11, 2026 | 4 months ago |
| MACD: Sell Signal | Jun 10, 2026 | 4 months ago |
| MACD: Buy Signal | Jun 9, 2026 | 4 months ago |
| SMA: Bearish | May 28, 2026 | 5 months ago |
| SMA: Bullish | May 20, 2026 | 5 months ago |
| SMA: Bullish | May 14, 2026 | 5 months ago |
| SMA: Bearish | May 11, 2026 | 5 months ago |
| SMA: Bearish | May 7, 2026 | 5 months ago |
| SMA: Bullish | May 6, 2026 | 5 months ago |
| SMA: Bearish | May 5, 2026 | 5 months ago |
| MACD: Sell Signal | Apr 29, 2026 | 6 months ago |
| RSI: Overbought | Apr 17, 2026 | 6 months ago |
| RSI: Overbought | Apr 14, 2026 | 6 months ago |
| SMA: Bullish | Apr 13, 2026 | 6 months ago |
| SMA: Bullish | Apr 8, 2026 | 6 months ago |
| MACD: Buy Signal | Mar 19, 2026 | 7 months ago |
| RSI: Oversold | Mar 13, 2026 | 7 months ago |
| MACD: Sell Signal | Mar 2, 2026 | 8 months ago |
| SMA: Bearish | Feb 27, 2026 | 8 months ago |
| SMA: Bullish | Feb 25, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 25, 2026 | 8 months ago |
| SMA: Bearish | Feb 23, 2026 | 8 months ago |
| MACD: Sell Signal | Feb 23, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 18, 2026 | 8 months ago |
| SMA: Bullish | Feb 17, 2026 | 8 months ago |
| SMA: Bearish | Feb 12, 2026 | 8 months ago |
| MACD: Sell Signal | Feb 12, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 10, 2026 | 8 months ago |
| SMA: Bearish | Jan 20, 2026 | 9 months ago |
| SMA: Bullish | Jan 16, 2026 | 9 months ago |
| SMA: Bearish | Jan 12, 2026 | 9 months ago |
| RSI: Overbought | Jan 6, 2026 | 9 months ago |
| MACD: Sell Signal | Dec 29, 2025 | 10 months ago |
| RSI: Overbought | Dec 19, 2025 | 10 months ago |
| RSI: Overbought | Dec 9, 2025 | 10 months ago |
| RSI: Overbought | Dec 4, 2025 | 11 months ago |
| MACD: Buy Signal | Nov 24, 2025 | 11 months ago |
| SMA: Bullish | Nov 21, 2025 | 11 months ago |
| SMA: Bearish | Nov 14, 2025 | 11 months ago |
| MACD: Sell Signal | Nov 14, 2025 | 11 months ago |
| SMA: Bullish | Nov 10, 2025 | 11 months ago |
| SMA: Bearish | Nov 6, 2025 | 11 months ago |
| SMA: Bullish | Nov 5, 2025 | 12 months ago |
| SMA: Bearish | Nov 4, 2025 | 12 months ago |
| SMA: Bullish | Oct 31, 2025 | 1 year ago |
| SMA: Bearish | Oct 29, 2025 | 1 year ago |
| SMA: Bullish | Oct 24, 2025 | 1 year ago |
| SMA: Bearish | Oct 22, 2025 | 1 year ago |
| SMA: Bullish | Oct 21, 2025 | 1 year ago |
| MACD: Buy Signal | Oct 17, 2025 | 1 year ago |
| SMA: Bearish | Sep 30, 2025 | 1 year ago |
| MACD: Sell Signal | Sep 10, 2025 | 1 year ago |
| RSI: Overbought | Aug 28, 2025 | 1 year ago |
| MACD: Buy Signal | Aug 25, 2025 | 1 year ago |
| MACD: Sell Signal | Aug 15, 2025 | 1 year ago |
| MACD: Buy Signal | Aug 14, 2025 | 1 year ago |
| RSI: Overbought | Jul 25, 2025 | 1 year ago |
| MACD: Sell Signal | Jul 15, 2025 | 1 year ago |
| RSI: Overbought | Jun 26, 2025 | 1 year ago |
| MACD: Buy Signal | Jun 20, 2025 | 1 year ago |
| MACD: Sell Signal | Jun 17, 2025 | 1 year ago |
| MACD: Buy Signal | Jun 11, 2025 | 1 year ago |
| MACD: Sell Signal | May 23, 2025 | 1 year ago |
| RSI: Overbought | May 16, 2025 | 1 year ago |
| RSI: Overbought | May 12, 2025 | 1 year ago |
| SMA: Bullish | May 2, 2025 | 1 year ago |
| MACD: Buy Signal | Apr 16, 2025 | 1 year ago |
| MACD: Sell Signal | Apr 3, 2025 | 1 year ago |
| RSI: Oversold | Apr 3, 2025 | 1 year ago |
| MACD: Buy Signal | Mar 19, 2025 | 1 year ago |
| RSI: Oversold | Mar 4, 2025 | 1 year ago |
| RSI: Oversold | Feb 27, 2025 | 1 year ago |
| RSI: Oversold | Feb 25, 2025 | 1 year ago |
| SMA: Bearish | Feb 10, 2025 | 1 year ago |
| SMA: Bullish | Feb 5, 2025 | 1 year ago |
| SMA: Bearish | Feb 4, 2025 | 1 year ago |
| MACD: Sell Signal | Feb 3, 2025 | 1 year ago |
| SMA: Bullish | Jan 29, 2025 | 1 year ago |
| SMA: Bearish | Jan 28, 2025 | 1 year ago |
| MACD: Buy Signal | Jan 16, 2025 | 1 year ago |
| RSI: Overbought | Dec 16, 2024 | 1 year ago |
| RSI: Overbought | Dec 11, 2024 | 1 year ago |
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
- 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
- These Analysts Revise Their Forecasts On Synchrony Financial After Q3 Results
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 |