Synchrony Financial (SYF)
NYSE:SYF
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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$61.48 - $88.77
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.87M
Market Cap
$25.32B
Enterprise Value$20.80B
Total Cash (Recent Filing)$20.56B
Total Debt (Recent Filing)$16.43B
Price to Earnings (P/E)7.2
Beta1.49
Next Earnings
Jul 21, 2026EPS Estimate
2.1Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)9.76
Shares Outstanding336,370,240
10 Day Avg. Volume3,634,980
30 Day Avg. Volume3,868,197
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 Cap0.82
Enterprise Value/Revenue1.04
Enterprise Value/Gross Profit1.71
Enterprise Value/Ebitda4.09
Forecast
1Y Price Target
$85.10Price Target Upside8.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)9.29
Revenue Forecast (FY)$15.32B
Bulls Say, Bears Say
Bulls Say
High ROE & ProfitabilityConsistent high ROE (~21.4%) and healthy net margins indicate durable earnings power for a card issuer. Strong profitability supports internal capital generation, funds technology and underwriting investments, and underpins share repurchases and dividends, helping absorb credit-cycle volatility.
Partner & Co‑brand ScaleLarge, growing co‑brand volumes (51% of purchases, +20% YoY) reflect durable merchant distribution and sticky customer engagement. Partner-driven acquisition lowers customer acquisition costs, enhances cross‑sell and supports predictable originations, making revenue less reliant on mass consumer marketing.
Stronger Funding Mix & NIIA heavier deposit funding mix and a meaningful NIM improvement reduce funding volatility and cost. Cheaper, sticky deposits support sustainable net interest income, improve margin resiliency as receivables grow, and lower reliance on brokered funding during stress periods.
Bears Say
Stagnant Receivable GrowthFlat ending receivables despite record purchase volume suggests higher payment rates and slower balance build. Persistent stagnation in receivables limits the bank's primary net interest income lever and constrains scalable loan growth, making earnings reliant on spreads and fee expansion.
Elevated Charge‑offs & SeasonalityNCOs in the mid‑5% range and a seasonal Q2 peak elevate earnings volatility and require higher provisions. Sustained elevated losses can erode capital cushions, force tighter underwriting or pricing, and limit long‑term return stability versus lower‑loss cycles.
Declining Liquidity & Capital ActionsA drop in liquid assets and modest capital ratio declines reduce the balance sheet cushion against shocks. The Series C preferred issuance bolsters capital but creates fixed payout priority and potential dividend restrictions, which can limit future common capital returns and strategic flexibility.
Synchrony Financial News
SYF FAQ
What was Synchrony Financial’s price range in the past 12 months?
Synchrony Financial lowest stock price was $61.48 and its highest was $88.77 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $25.32B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Jul 21, 2026 which is in 30 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 2.1.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$85.10 (8.63% Upside)
$85.10 (8.63% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 183.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.5%
Last 30 Days ▼ 5.7%
Last 30 Days ▼ 5.7%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
24.51%
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 Company Deck
SYF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and financial picture: record purchase volumes, strong co-brand performance, improving credit metrics (notably a 96-basis-point reduction in net charge-offs), margin expansion, solid profitability and meaningful shareholder returns. Offsetting items include flat year-over-year receivables, modest declines in liquidity and capital ratios, higher operating expenses and a seasonal expectation of Q2 net charge-off peaking. Management provided an optimistic outlook for mid-single-digit receivables growth by year-end, NII growth, and an EPS guide of $9.10–$9.50, signaling confidence in continued momentum despite near-term headwinds.View all SYF earnings summariesSYF Stock 12 Month Forecast
Average Price Target
$85.10
▲(8.63% Upside)
Technical Analysis
Ownership Overview
0.51% Insiders
32.19% Mutual Funds
27.06% Other Institutional Investors
8.33% Public Companies and Individual Investors