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SYF · Synchrony Financial

Financial Services NYQ United States synchrony.com ↗
Val — — Gro — — Qua — — Mom — — Sta — — Cap— P/S2.51 P/E— Fwd P/E7.18 PEG0.93 52W— – — RSI— Target$87.54 (+16.2%) Beta1.34 Div1.65%
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RSI ()
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Credit Services Stamford, United States 20,000 employees
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.
Signal
Trend Strength
Price Levels
52-Week Range
52W Low — 52W High
Position in Range —
RSI (14)
0 · Oversold RSI 55 Overbought · 100
Signal Neutral
EMA Price Levels
Activity & Patterns
Volume Analysis
Momentum Dashboard
Detected Patterns
5Bullish
3Bearish
0Neutral

Key Signals 3

▲ Double Bottom Major reversal 2026-07-27 · $74.84
Two lows ~$69.06 — bullish reversal confirmed
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▲ Double Bottom Major reversal 2026-10-22 · $74.44
Two lows ~$70.11 — bullish reversal confirmed
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▼ Double Top Major reversal 2026-08-20 · $77.28
Two peaks ~$80.90 — bearish reversal confirmed
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Momentum Signals 5

▲ MACD Bullish Crossover 2026-07-28 · $76.79
▲ Bull Flag 2026-08-03 · $77.19
▲ MACD Bullish Crossover 2026-10-07 · $71.93
▼ MACD Bearish Crossover 2026-07-07 · $75.2

View overlays on the price chart via Overview tab → Pattern Overlays.

Next Earnings Jan 26, 2027
Beat Rate 88%
Consensus BUY
Analyst Upside +16.2%
EPS — History & Forecast
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Revenue — History & Forecast
Revenue Forecast
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EPS Beat Rate
88% 7/8 quarters
Wall Street Consensus
BUY
15
9
BuyHoldSell
Price Target Range
$87.54 +16.2% upside
Low $73 — High $104
Consensus Current price
Wall Street Analyst Ratings
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Firm Rating Change Action Date
Profitability
Gross Margin 0.00%Last 12 Months
Operating Margin 49.84%Last 12 Months
Return on Equity 19.83%Last 12 Months
Revenue Growth -4.70%Year over Year
Free Cash Flow N/ALast 12 Months
Free Cash Flow Yield —Last 12 Months
Balance Sheet
Debt / Equity N/AMost Recent Quarter
Current Ratio N/AMost Recent Quarter
Cash 15.90BMost Recent Quarter
Total Debt 17.03BMost Recent Quarter
Net Debt —Most Recent Quarter
How SYF Makes Its Money
Cash Flow Breakdown
Quarterly Metrics
QuarterRevenueRev YoYGross Profit Op. IncomeNet IncomeNet YoY Gross %Op %Net %
Full Key Statistics
Valuation
Market Cap24.52B
Enterprise Value26.31B
Trailing P/E7.87
Forward P/E7.18
PEG Ratio (5yr)0.93
Price/Sales (ttm)2.51
Price/Book (mrq)1.58
EV/Revenue2.69
EV/EBITDAN/A
Share Statistics
Avg Vol (3m)3.17M
Shares Outstanding325.37M
Float309.15M
% Held by Insiders0.37%
% Held by Institutions113.87%
Short Ratio5.38
Short % of Float6.72%
Profitability
Gross Margin0.00%
Operating Margin (ttm)49.84%
Profit Margin34.07%
Return on Assets (ttm)2.78%
Return on Equity (ttm)19.83%
Income Statement
Revenue (ttm)9.78B
Revenue Growth (yoy)-4.70%
Gross Profit (ttm)9.78B
EBITDAN/A
Net Income (ttm)3.24B
Diluted EPS (ttm)9.58
EPS Growth (yoy)-6.30%
Balance Sheet
Total Cash (mrq)15.90B
Total Debt (mrq)17.03B
Debt / Equity (mrq)N/A
Current Ratio (mrq)N/A
Book Value / Share47.70
Operating CF (ttm)9.56B
Free Cash Flow (ttm)N/A
Trading & Dividends
Beta (5Y)1.34
50-Day MA75.10
200-Day MA73.63
Fwd Dividend Yield1.82%
Payout Ratio12.94%
Income
Dividend Yield 1.65%Last 12 Months
Annual Rate 1.36Forward
Payout Ratio 12.94%Last 12 Months
Dividend History
Payout Ratio (Last 12 Months): 12.94%
Monthly Dividends
Ownership Breakdown
Institutional 113.87% Insider 0.37%
Short Interest 6.72% of float
Moderate
Institutional 13F Holdings

Famous investors who disclosed a position in SYF in their latest SEC 13F filing.

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Insider Transactions
Open-market buys & sells · one dot per day, sized by $ · follows the filters below
Date Insider Role Transaction Shares Price Value