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SYF Stock Chart & Stats
$78.34
-$1.17(-1.76%)
At close: 4:00 PM EST
$78.34
-$1.17(-1.76%)
Day’s Range― - ―
52-Week Range$63.08 - $88.77
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.64M
Market Cap
$24.37B
Enterprise Value$20.80B
Total Cash (Recent Filing)$20.56B
Total Debt (Recent Filing)$16.43B
Price to Earnings (P/E)7.5
Beta1.44
Next Earnings
Jul 21, 2026EPS Estimate
2.15Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)9.76
Shares Outstanding336,370,240
10 Day Avg. Volume3,460,162
30 Day Avg. Volume3,644,014
Financial Highlights & Ratios
PEG Ratio1.09
Price to Book (P/B)1.78
Price to Sales (P/S)1.56
P/FCF Ratio3.03
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue1.04
Enterprise Value/Gross Profit1.71
Enterprise Value/Ebitda4.09
Forecast
1Y Price Target
$86.92Price Target Upside10.95% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering14
EPS Forecast (FY)9.29
Revenue Forecast (FY)$15.32B
Bulls Say, Bears Say
Bulls Say
Partner & Co‑brand PlatformA large, growing partner and co‑brand base drives durable customer acquisition, higher card spend, and recurring interchange and promotional financing revenue. Scale across retailers and verticals creates distribution stickiness and lowers customer acquisition costs, supporting long‑term revenue stability.
Strong Margin & ProfitabilitySustained high net interest margins and above‑average ROE reflect persistent interest spread economics and efficient capital use. Margin expansion driven by product mix and lower funding costs supports the company's ability to absorb credit volatility and fund investments without eroding core profitability.
Funding & Capital FlexibilityGrowing low‑cost deposits and reduced reliance on brokered funding strengthen funding durability and lower costs. Robust cash generation plus a large buyback authorization signals capital flexibility to return capital or support growth, enhancing long‑term financial optionality and shareholder discipline.
Bears Say
Flat Receivables GrowthA stagnant loan receivables base limits the principal driver of net interest income over time. Higher payment rates and modest account reactivation mean growth depends on new partner programs and reengagement, so sustained receivables stagnation would cap NII expansion and earnings leverage.
Elevated Credit VolatilitySynchrony retains credit risk on a large consumer loan book; NCOs in the mid‑5% range and seasonal peaks create earnings and capital volatility. Higher charge‑offs or reserve builds would materially compress earnings and strain capital ratios during downturns, given the business model's cyclical sensitivity.
Rising Expenses & Weaker Liquidity/CapitalSustained expense growth and a worsening efficiency ratio reduce operating leverage and margin resilience. Concurrent declines in liquid assets and modest capital ratio compression shrink cushions against credit stress, potentially forcing tradeoffs between growth, buybacks, and capital conservation.
Synchrony Financial News
SYF FAQ
What was Synchrony Financial’s price range in the past 12 months?
Synchrony Financial lowest stock price was $63.08 and its highest was $88.77 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $24.37B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Jul 21, 2026 which is in 7 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Apr 21, 2026. The company reported $2.27 earnings per share for the quarter, beating the consensus estimate of $2.199 by $0.071.
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 1.34%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 2.15.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 336,370,240 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.27 in its last earnings report, beating expectations of $2.199. Following the earnings report the stock price went down -1.209%.
Which hedge fund is a major shareholder of Synchrony Financial?
Currently, no hedge funds are holding shares in SYF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Synchrony Financial Stock Smart Score
Neutral
1
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5
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$86.92 (10.95% Upside)
$86.92 (10.95% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 183.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.4%
Last 30 Days ▼ 1.0%
Last 30 Days ▼ 1.0%
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.41%
12-Months-Change
Fundamentals
Return on Equity
21.41%
Trailing 12-Months
Asset Growth
-0.43%
Trailing 12-Months
Company Description
Synchrony Financial
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
SYF Stock 12 Month Forecast
Average Price Target
$86.92
▲(10.95% Upside)
Technical Analysis
Ownership Overview
0.51% Insiders
32.36% Mutual Funds
0.57% Other Institutional Investors
34.98% Public Companies and
Individual Investors