
Synchrony Financial (SYF)
$
65.51
+0.34 (0.52%)
Key metrics
Financial statements
Free cash flow per share
27.5288
Market cap
23 Billion
Price to sales ratio
1.2017
Debt to equity
0.9055
Current ratio
0.2135
Income quality
2.7734
Average inventory
0
ROE
0.2109
Technology
Technology – consumer electronics
Largecap
With a market cap of 121,78 bil stock is ranked 1
Low risk
ISS score of this stock is ranked 1
Company description
Profile
Synchrony Financial, along with its subsidiaries, functions as a notable consumer financial services provider in the United States. The company specializes in offering a diverse range of credit products, which include credit cards, commercial credit products, and consumer installment loans. Its offerings extend to private label credit cards, dual cards, co-branded and general-purpose credit cards, as well as short- and long-term installment loans, and various consumer banking products. Additionally, the company provides deposit solutions such as certificates of deposit, individual retirement accounts, money market accounts, and savings accounts tailored for both retail and commercial clients, accepting deposits via third-party securities brokerage firms. Synchrony Financial also features debt cancellation products for its credit card clients, accessible through online platforms, mobile applications, and direct mail. Furthermore, it delivers healthcare payment and financing solutions branded under CareCredit, Pets Best, and Walgreens. The company actively engages in financing solutions within the apparel, specialty retail, outdoor, music, and luxury sectors, while also supporting point-of-sale consumer financing for audiology and dental services. These credit products are made available through partnerships with a variety of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare providers. Its deposit products are offered through multiple channels, including both digital and print media. Synchrony Financial serves a wide range of industries, encompassing digital, health and wellness, retail, home, auto, powersports, jewelry, pets, among others. The weighted average number of diluted shares outstanding is 357,843,000.00 reflecting potential dilution effects. The operating income ratio is 0.24 indicating the company's operational profitability margin. The company achieved a significant net income of $3,552,000,000.00 showcasing its strong financial health. EBITDA is $5,135,000,000.00 a key indicator of the company's operational profitability, while gross profit stands at $9,756,000,000.00 highlighting the company's profitability from core operations. In terms of market positioning, Synchrony Financial's stock is reasonably priced at $76.59 appealing to a broad range of investors. The stock has a high average trading volume of 4,456,249.00 indicating strong liquidity which supports investor confidence. With a mid-range market capitalization of $23,594,809,220.00 the company is recognized as a steady performer in the financial services sector. It is a key player in the consumer financial services industry, contributing significantly to the overall market landscape. Moreover, it belongs to the Financial Services sector, driving innovation and growth while continually adapting to the evolving needs of consumers and businesses alike.
Investing in Synchrony Financial (SYF) depends on multiple factors, including revenue growth, profit margins, debt-to-equity ratio, earnings per share, and return on equity. Analysts have rated it as A-, with a Bullish outlook. Always conduct your own research before investing.
Analysts predict Synchrony Financial stock to fluctuate between $40.55 (low) and $88.77 (high) in the next 365 days, reflecting market expectations and potential volatility.
As of 2026-03-20, Synchrony Financial's market cap is $23,594,809,220, based on 360,171,107 outstanding shares.
Compared to JPMorgan Chase & Co., Synchrony Financial has a Lower Market-Cap, indicating a difference in performance.
Synchrony Financial pays dividends. The current dividend yield is 1.60%, with a payout of $0.30 per share.
To buy Synchrony Financial (SYF) stock: Open a brokerage account (e.g., Robinhood, TD Ameritrade, E-Trade). Search for SYF. Place an order (Market, Limit, etc.).
The best time to invest depends on market trends and technical indicators, which show a Bullish trend based on economic conditions and company performance.
Revenue: $19,116,000,000 | EPS: $9.35 | Growth: 8.22%.
Visit https://www.synchrony.com/investor-relations for detailed financial reports.
You can explore historical data from here
All-time high: $88.77 (2026-01-09) | All-time low: $26.59 (2023-05-04).
Key trends include market demand, economic conditions, interest rates, and industry competition, which influence the stock's performance.
News

seekingalpha.com
Synchrony Financial (SYF) Presents at RBC Capital Markets Global Financial Institutions Conference 2026 Transcript

defenseworld.net
AMJ Financial Wealth Management acquired a new stake in Synchrony Financial (NYSE: SYF) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The institutional investor acquired 10,960 shares of the financial services provider's stock, valued at approximately $779,000. A number of

seekingalpha.com
Synchrony Financial (SYF) Presents at UBS Financial Services Conference 2026 Transcript

schaeffersresearch.com
This commentary first appeared on Forbes Great Speculations , where Schaeffer's Investment Research is a regular contributor.

seekingalpha.com
Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript

zacks.com
SYF's Q4 EPS of $2.18 beat estimates as efficiency improves, purchase volume rises and credit loss provisions fall despite softer loan receivables.

pymnts.com
Synchrony Financial closed 2025 with fourth-quarter purchase volume of $49 billion, a company record and a 3% year-over-year increase, as spending patterns strengthened across most platforms and co-branded cards continued to gain share, as detailed in fourth-quarter results released on Tuesday (Jan. 27).

zacks.com
While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

prnewswire.com
Company also declares preferred stock dividends STAMFORD, Conn., Jan. 27, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its fourth quarter 2025 results for the fiscal year ending December 31, 2025.

forbes.com
Though Synchrony Financial (SYF) stock sports a 50.6% nine-month lead, it has struggled so far in 2026, last seen carrying a 6.3% deficit for January. Shares gapped lower after hitting a Jan. 9, record high of $88.77, though newly formed resistance-turned-support at the $75 level contained those losses.
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