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Synchrony Financial (SYF)
NYSE:SYF
SYF Stock Chart & Stats
Day’s Range― - ―
52-Week Range$40.55 - $73.76
Previous CloseN/A
Volume744.82K
Average Volume (3M)3.44M
Market Cap
$25.13B
Enterprise ValueN/A
Total Cash (Recent Filing)N/A
Total Debt (Recent Filing)N/A
Price to Earnings (P/E)8.2
Beta1.37
Next Earnings
Oct 28, 2025EPS Estimate
2.17Next Dividend Ex-Date
Aug 05, 2025Dividend Yield1.55%
Share Statistics
EPS (TTM)2.50
Shares Outstanding372,057,560
10 Day Avg. Volume4,006,724
30 Day Avg. Volume3,438,943
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.00
P/FCF RatioN/A
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$79.11Price Target Upside17.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering18
Bulls Say, Bears Say
Bulls Say
Credit PerformanceCredit discipline was highlighted by better credit metrics that are now better than pre-pandemic levels.
Net Interest MarginNet interest margin was strong at 14.78%, exceeding consensus expectations.
PartnershipsSynchrony is expected to continue winning large merchant partnerships, such as the Buy Now Pay Later product with Amazon and the credit card partnership with Walmart.
Bears Say
Asset Growth ForecastSYF lowered its forecasted asset growth due to higher payment rates.
GuidanceGuidance was lowered primarily due to tighter underwriting, which will temper some of the bull case benefits.
Operating ExpensesOpEx was above consensus expectations, which, along with higher RSAs, drove PPNR below consensus estimates.
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 $73.76 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $25.13B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Oct 28, 2025 which is in 87 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Jul 22, 2025. The company reported $2.5 earnings per share for the quarter, beating the consensus estimate of $1.817 by $0.683.
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 1.55%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 2.17.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 372,057,560 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.5 in its last earnings report, beating expectations of $1.817. Following the earnings report the stock price went up 1.757%.
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:
$79.11 (17.15% Upside)
$79.11 (17.15% Upside)
Blogger Sentiment
Bullish
SYF Sentiment 63%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 34.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▲ 0.8%
Last 30 Days ▼ 0.9%
Last 30 Days ▼ 0.9%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
41.77%
12-Months-Change
Fundamentals
Return on Equity
20.23%
Trailing 12-Months
Asset Growth
0.01%
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
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call presented a mixed outlook. While Synchrony displayed strong financial performance, notable partnerships, and positive credit trends, it faced challenges with decreased purchase volumes, lower net revenue, and increased efficiency ratio. Moving forward, the company is optimistic about growth opportunities through new product launches and partnerships.Read More>SYF Stock 12 Month Forecast
Average Price Target
$79.11
▲(17.15%Upside)
Technical Analysis
Ownership Overview
0.44% Insiders
31.25% Mutual Funds
0.70% Other Institutional Investors
39.00% Public Companies and Individual Investors