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SYF

Synchrony Financial (SYF)

$

65.51

+0.34 (0.52%)


Key metrics

Financial statements

Free cash flow per share

Free cash flow per share

27.5288

Market cap

Market cap

23 Billion

Price to sales ratio

Price to sales ratio

1.2017

Debt to equity

Debt to equity

0.9055

Current ratio

Current ratio

0.2135

Income quality

Income quality

2.7734

Average inventory

Average inventory

0

ROE

ROE

0.2109



Technology

Technology

Technology – consumer electronics

Largecap

Largecap

With a market cap of 121,78 bil stock is ranked 1

Low risk

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.

What is Synchrony Financial (SYF)'s current stock price?

The current stock price of Synchrony Financial (SYF) is $65.02 as of 2026-03-20. Prices may fluctuate during the trading day. For real-time updates, check your brokerage platform or financial news websites.

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

SYF

seekingalpha.com

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

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

SYF

defenseworld.net

AMJ Financial Wealth Management Acquires New Holdings in Synchrony Financial $SYF

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

SYF

seekingalpha.com

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

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

SYF

schaeffersresearch.com

Synchrony Financial Stock Could Rally Back Near Record Peak

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

SYF

seekingalpha.com

Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript

Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript

SYF

zacks.com

Synchrony Q4 Earnings Beat Estimates on Improved Efficiency

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

SYF

pymnts.com

Synchrony Says BNPL Lifts Sales Without Hurting Cards

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).

SYF

zacks.com

Compared to Estimates, Synchrony (SYF) Q4 Earnings: A Look at Key Metrics

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.

SYF

prnewswire.com

Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share

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.

SYF

forbes.com

Synchrony Financial Stock Could Rally Back Near Record Peak

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.

See all news

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