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Synchrony Financial (SYF)

75.35 -1.62 (-2.10%)
At close: October 30 at 4:00:03 PM EDT
75.35 0.00 (0.00%)
After hours: October 30 at 6:20:03 PM EDT
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Dividend
SYF announced a cash dividend of $0.34 with an ex-date of Nov. 5, 2026
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What's happening with SYF?

30m ago
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Synchrony’s Q3 2026 results showed a strong earnings beat, record purchase volume, improving credit performance, and higher full-year earnings guidance. The main counterweights are slower loan growth, rising expenses, margin pressure, and revenue performance that trailed some estimates. Zacks later upgraded the shares to Rank #2 (Buy)after raising earnings estimates, while the stock was down 2.10% in the regular session on October 31, 2026.

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  • Previous Close 76.97
  • Open 76.81
  • Bid 74.06 x 20000
  • Ask 75.13 x 30000
  • Day's Range 74.87 - 76.67
  • 52 Week Range 63.08 - 88.77
  • Volume 2,919,393
  • Avg. Volume 3,141,426
  • Market Cap (intraday) 24.517B
  • Beta (5Y Monthly) 1.34
  • PE Ratio (TTM) 7.87
  • EPS (TTM) 9.58
  • Earnings Date Oct 20, 2026
  • Forward Dividend & Yield 1.36 (1.80%)
  • 1y Target Est 86.83
  • Morningstar Rating Rating available with Stock Picks access

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

www.synchrony.com

20,000

Full Time Employees

December 31

Fiscal Year Ends

Credit Services

Industry

Recent News

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Performance Overview

Trailing total returns as of 10/30/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

SYF
8.56%
S&P 500 (^GSPC)
10.73%

1-Year Return

SYF
4.10%
S&P 500 (^GSPC)
11.11%

3-Year Return

SYF
182.72%
S&P 500 (^GSPC)
81.91%

5-Year Return

SYF
80.44%
S&P 500 (^GSPC)
64.59%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 3.82B
Earnings 864M
Profit Margin 22.63%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
1B
2B
3B
20.0%
21.0%
22.0%
23.0%

Analyst Insights

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Analyst Price Targets

73.00
86.83 Average
75.35 Current
103.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/21/2026
Analyst JP Morgan
Rating Action Maintains
Rating Neutral
Price Action Raises
Price Target 74 -> 77

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    34.07%

  • Return on Assets (ttm)

    2.78%

  • Return on Equity (ttm)

    19.83%

  • Revenue (ttm)

    9.78B

  • Net Income Avi to Common (ttm)

    3.24B

  • Diluted EPS (ttm)

    9.58

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    15.9B

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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