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Synchrony Financial (SYF)
:SYF
SYF Stock Chart & Stats
Day’s Range― - ―
52-Week Range$40.55 - $73.76
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.41M
Market Cap
$27.10B
Enterprise Value$23.08B
Total Cash (Recent Filing)$24.35B
Total Debt (Recent Filing)$17.01B
Price to Earnings (P/E)8.8
Beta1.38
Next Earnings
Oct 28, 2025EPS Estimate
2.16Last Dividend Ex-Date
Aug 05, 2025Dividend Yield1.51%
Share Statistics
EPS (TTM)2.50
Shares Outstanding372,057,560
10 Day Avg. Volume3,619,170
30 Day Avg. Volume3,406,637
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit2.54
Enterprise Value/Ebitda2.54
Forecast
1Y Price Target
$80.53Price Target Upside12.65% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering17
Bulls Say, Bears Say
Bulls Say
Acquisition And PartnershipsThe acquisition of Lowe's $0.8 billion commercial co-branded credit card portfolio is expected to enhance Synchrony's market position.
Financial PerformanceSynchrony's net interest margin was strong at 14.78%, exceeding consensus expectations.
Bears Say
Earnings QualityEarnings for 2025 are seen as low quality due to reliance on reserve releases, with pre-provision operating profit missing expectations.
Guidance And ForecastThe revenue guidance was lowered primarily due to tighter underwriting, tempering some of the bull case benefits.
Synchrony Financial News
SYF FAQ
What was Synchrony Financial’s price range in the past 12 months?
Synchrony Financial lowest stock price was $40.55 and its highest was $73.76 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $27.10B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Oct 28, 2025 which is in 73 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Jul 22, 2025. The company reported $2.5 earnings per share for the quarter, beating the consensus estimate of $1.817 by $0.683.
Is Synchrony Financial overvalued?
According to Wall Street analysts Synchrony Financial’s price is currently Undervalued.
Does Synchrony Financial pay dividends?
Synchrony Financial pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 1.51%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 2.16.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 372,057,560 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.5 in its last earnings report, beating expectations of $1.817. Following the earnings report the stock price went up 1.75%.
Which hedge fund is a major shareholder of Synchrony Financial?
Currently, no hedge funds are holding shares in SYF
Synchrony Financial Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$80.53 (12.65% Upside)
$80.53 (12.65% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 70%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 416.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 1.2%
Last 30 Days ▲ 1.2%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
58.62%
12-Months-Change
Fundamentals
Return on Equity
20.23%
Trailing 12-Months
Asset Growth
0.01%
Trailing 12-Months
Company Description
Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
SYF Company Deck
SYF Earnings Call
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call presented a mixed outlook. While Synchrony displayed strong financial performance, notable partnerships, and positive credit trends, it faced challenges with decreased purchase volumes, lower net revenue, and increased efficiency ratio. Moving forward, the company is optimistic about growth opportunities through new product launches and partnerships.View all SYF earnings summariesSYF Stock 12 Month Forecast
Average Price Target
$80.53
▲(12.65% Upside)
Technical Analysis
Ownership Overview
0.45% Insiders
32.07% Mutual Funds
28.05% Other Institutional Investors
10.29% Public Companies and Individual Investors