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Synchrony Financial (SYF)
NYSE:SYF
SYF Stock Chart & Stats
$83.23
-$1.17(-1.76%)
At close: 4:00 PM EST
$83.23
-$1.17(-1.76%)
Day’s Range― - ―
52-Week Range$40.55 - $86.22
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.40M
Market Cap
$30.03B
Enterprise Value$25.69B
Total Cash (Recent Filing)$18.96B
Total Debt (Recent Filing)$14.43B
Price to Earnings (P/E)9.1
Beta1.37
Next Earnings
Jan 23, 2026EPS Estimate
2.04Next Dividend Ex-DateN/A
Dividend Yield1.38%
Share Statistics
EPS (TTM)2.86
Shares Outstanding360,171,100
10 Day Avg. Volume3,321,766
30 Day Avg. Volume3,395,246
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 Cap0.86
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit2.66
Enterprise Value/Ebitda5.00
Forecast
1Y Price Target
$86.56Price Target Upside4.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering17
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Financial PerformanceSYF reported 3Q EPS of $2.86, above our estimate of $2.37 and consensus of $2.23.
Loan And Account GrowthNew accounts grew 10% year-over-year in the third quarter of 2025, and frequency and average ticket sizes continue to climb, driven by Synchrony's push towards higher-end credit customers.
Partnership GrowthThe Walmart program is noted as the fastest growing program in Synchrony Financial's history, contributing positively to the company's growth outlook.
Bears Say
Loan Growth ConcernsNovember ending loan balances were down 1.2% year-over-year, reflecting a slight decline in comparison to the previous year.
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 ConcernsSynchrony'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 $86.22 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $30.03B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Jan 23, 2026 which is in 35 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 1.38%. 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
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:
$86.56 (4.00% Upside)
$86.56 (4.00% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 60%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Increased
By 236.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.2%
Last 30 Days ▼ 1.5%
Last 30 Days ▼ 1.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.07%
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, 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
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
$86.56
▲(4.00% Upside)
Technical Analysis
Ownership Overview
0.45% Insiders
32.19% Mutual Funds
27.81% Other Institutional Investors
11.16% Public Companies and Individual Investors