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Synchrony Financial (SYF)

79.92 +0.07 (+0.09%)
At close: September 4 at 4:00:03 PM EDT
79.92 0.00 (0.00%)
After hours: September 4 at 7:30:07 PM EDT
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What's happening with SYF?

52m ago
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Synchrony Financial (SYF) is experiencing significant developments, including a strong Q2 earnings beat and a strategic partnership with OpenAI to enhance customer engagement through AI. Analysts remain cautiously optimistic, noting potential risks and competition in the fintech space.

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  • Previous Close 79.85
  • Open 79.12
  • Bid 79.46 x 10000
  • Ask 80.42 x 40000
  • Day's Range 78.83 - 80.78
  • 52 Week Range 63.08 - 88.77
  • Volume 2,590,022
  • Avg. Volume 3,566,558
  • Market Cap (intraday) 26.004B
  • Beta (5Y Monthly) 1.31
  • PE Ratio (TTM) 8.19
  • EPS (TTM) 9.76
  • Earnings Date Oct 14, 2026
  • Forward Dividend & Yield 1.36 (1.70%)
  • Ex-Dividend Date Aug 5, 2026
  • 1y Target Est 89.30

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 9/4/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

SYF
3.01%
S&P 500 (^GSPC)
12.75%

1-Year Return

SYF
5.71%
S&P 500 (^GSPC)
18.71%

3-Year Return

SYF
160.11%
S&P 500 (^GSPC)
70.93%

5-Year Return

SYF
88.51%
S&P 500 (^GSPC)
70.18%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 3.72B
Earnings 885M
Profit Margin 23.80%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
1B
2B
3B
20.0%
22.0%
24.0%
26.0%
28.0%

Analyst Insights

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Analyst Price Targets

78.00
89.30 Average
79.92 Current
104.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 8/25/2026
Analyst Wolfe Research
Rating Action Maintains
Rating Outperform
Price Action Raises
Price Target 85 -> 90

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (5yr expected)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    35.51%

  • Return on Assets (ttm)

    2.90%

  • Return on Equity (ttm)

    20.79%

  • Revenue (ttm)

    9.91B

  • Net Income Avi to Common (ttm)

    3.44B

  • Diluted EPS (ttm)

    9.76

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    16.19B

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

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