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Synchrony Financial (SYF)
NYSE:SYF
SYF Stock Chart & Stats
$76.95
-$1.17(-1.76%)
At close: 4:00 PM EST
$76.95
-$1.17(-1.76%)
Day’s Range― - ―
52-Week Range$40.55 - $77.55
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.75M
Market Cap
$27.72B
Enterprise Value$25.69B
Total Cash (Recent Filing)$18.96B
Total Debt (Recent Filing)$14.43B
Price to Earnings (P/E)8.4
Beta1.41
Next Earnings
Jan 23, 2026EPS Estimate
2.04Last Dividend Ex-Date
Nov 05, 2025Dividend Yield1.49%
Share Statistics
EPS (TTM)2.86
Shares Outstanding360,171,100
10 Day Avg. Volume4,351,125
30 Day Avg. Volume3,754,000
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)1.55
Price to Sales (P/S)1.07
P/FCF Ratio2.62
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit2.66
Enterprise Value/Ebitda5.00
Forecast
1Y Price Target
$85.08Price Target Upside10.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering15
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Capital ReturnCapital return was also strong and SYF increased its buyback authorization by $1B.
Customer Credit MixSynchrony's improving customer credit mix is causing lower interest income and less late fees, but it should allow Synchrony to accelerate growth in 2026 by opening up the credit box.
Merchant WinsThe large merchant wins of Walmart and Amazon should drive mid-single digit year-over-year growth in 2026, even if the credit box isn't loosened.
Bears Say
Loan GrowthLoan growth remains sluggish, with a slight decrease in loan balances compared to the previous year.
Net Revenue GuidanceThe lower net revenue guidance for 2025 was a disappointment and caused consternation that 2026 may miss consensus expectations for mid-single digit year-over-year loan and spending growth.
Share Repurchase AuthorizationSynchrony's share repurchase authorization through the second quarter of 2026 appears overly light, especially given its target of 11% CET1.
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 $77.55 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $27.72B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Jan 23, 2026 which is in 55 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Oct 16, 2025. The company reported $2.86 earnings per share for the quarter, beating the consensus estimate of $2.263 by $0.597.
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 1.49%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 2.04.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 360,171,100 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.86 in its last earnings report, beating expectations of $2.263. Following the earnings report the stock price went down -2.86%.
Which hedge fund is a major shareholder of Synchrony Financial?
Currently, no hedge funds are holding shares in SYF
Synchrony Financial Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$85.08 (10.57% Upside)
$85.08 (10.57% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 66%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 236.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.3%
Last 30 Days <0.1%
Last 30 Days <0.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.44%
12-Months-Change
Fundamentals
Return on Equity
21.64%
Trailing 12-Months
Asset Growth
-1.88%
Trailing 12-Months
Company Description
Synchrony Financial
Synchrony Financial (SYF) is a premier consumer financial services company headquartered in Stamford, Connecticut. It specializes in providing a range of financial products and services, primarily through its private label credit cards, promotional financing, and installment loans. The company operates across various sectors, including retail, healthcare, and automotive, partnering with numerous brands to offer tailored financing solutions that enhance customer purchasing power and drive sales for its partners.
SYF Company Deck
SYF Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call reflected a balance between strong financial performance and strategic partnerships alongside challenges such as flat net revenue and declines in certain segments. The company showcased resilience through effective risk management and capital returns, but faced headwinds in revenue growth and specific market segments.View all SYF earnings summariesSYF Stock 12 Month Forecast
Average Price Target
$85.08
▲(10.57% Upside)
Technical Analysis
Ownership Overview
0.46% Insiders
33.13% Mutual Funds
7.72% Other Institutional Investors
30.10% Public Companies and Individual Investors