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Synchrony Financial (SYF)
NYSE:SYF
SYF Stock Chart & Stats
$68.64
-$1.17(-1.76%)
At close: 4:00 PM EST
$68.64
-$1.17(-1.76%)
Day’s Range― - ―
52-Week Range$40.55 - $88.77
Previous CloseN/A
Volume744.82K
Average Volume (3M)5.20M
Market Cap
$23.86B
Enterprise Value$24.94B
Total Cash (Recent Filing)$17.32B
Total Debt (Recent Filing)$15.18B
Price to Earnings (P/E)7.4
Beta1.47
Next Earnings
Apr 28, 2026EPS Estimate
2.11Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)2.04
Shares Outstanding347,596,280
10 Day Avg. Volume4,453,169
30 Day Avg. Volume5,203,007
Financial Highlights & Ratios
PEG Ratio1.02
Price to Book (P/B)1.78
Price to Sales (P/S)1.56
P/FCF Ratio3.03
Enterprise Value/Market Cap1.05
Enterprise Value/Revenue1.30
Enterprise Value/Gross Profit2.56
Enterprise Value/Ebitda4.86
Forecast
1Y Price Target
$91.60Price Target Upside33.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering17
EPS Forecast (FY)9.24
Revenue Forecast (FY)$15.56B
Bulls Say, Bears Say
Bulls Say
Capital ReturnsAnalyst points to a sizeable excess capital position and material share repurchases that support earnings per share and enhance shareholder returns.
Net Interest MarginAnalyst expects net interest margin expansion driven by favorable liability repricing and improved funding flow-through, which could lift revenue per loan.
Strategic PartnershipsAnalyst highlights Walmart and Amazon partnerships as primary drivers of new accounts and balance growth, noting the Walmart program as the fastest-growing retail program in the company's history.
Bears Say
Loan Growth Risk And Pricing DilutionAnalyst lowered expectations due to slowing loan growth and notes that a larger proportion of new accounts could soften pricing benefits, leaving estimates vulnerable if growth lags.
Operating ExpensesAnalyst warns that investments required to scale new partnerships will raise operating expenses and necessitate a return to prior efficiency levels to protect margins.
Reserve BuildsAnalyst cautions that planned loan growth will require additional reserve builds, which can increase provisions and weigh on reported earnings.
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 $88.77 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $23.86B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Apr 28, 2026 which is in 55 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Jan 27, 2026. The company reported $2.04 earnings per share for the quarter, missing the consensus estimate of $2.048 by -$0.008.
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 2.11.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 347,596,280 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.04 in its last earnings report, missing expectations of $2.048. Following the earnings report the stock price went down -5.818%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$91.60 (33.45% Upside)
$91.60 (33.45% Upside)
Blogger Sentiment
Neutral
SYF Sentiment 57%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.5M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days >0.1%
Last 30 Days ▲ 0.5%
Last 30 Days ▲ 0.5%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Negative
20 days / 200 days
Momentum
15.17%
12-Months-Change
Fundamentals
Return on Equity
21.30%
Trailing 12-Months
Asset Growth
-0.31%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple operational and financial strengths: record fourth-quarter purchase volume, margin expansion, improved credit metrics, broad partner wins, and strong digital/product adoption. Management provided a constructive 2026 outlook (mid-single-digit receivables growth, NII growth, EPS guidance $9.10–$9.50) while acknowledging near-term headwinds — elevated payment rates, higher RSAs and expenses, a modest decline in ending receivables, and regulatory risk. On balance, the positives (revenue and margin gains, credit improvement, partnership momentum, product traction and shareholder returns) outweigh the near-term challenges and investments.View all SYF earnings summariesSYF Stock 12 Month Forecast
Average Price Target
$91.60
▲(33.45% Upside)
Technical Analysis
Ownership Overview
0.59% Insiders
33.21% Mutual Funds
18.32% Other Institutional Investors
19.13% Public Companies and Individual Investors