Val
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Gro
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Qua
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Mom
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Sta
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Cap—
P/S2.50
P/E—
Fwd P/E7.24
PEG0.96
52W— – —
RSI—
Target$89.3 (+17.5%)
Beta1.31
Div1.59%
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RSI ()
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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 43
Overbought · 100
Signal
Neutral
EMA Price Levels
Activity & Patterns
Volume Analysis
Momentum Dashboard
Detected Patterns
6Bullish
4Bearish
0Neutral
Key Signals 3
▲ Double Bottom
Major reversal
2026-06-15 · $73.08
Two lows ~$68.09 — bullish reversal confirmed
Learn more →
▲ Double Bottom
Major reversal
2026-07-27 · $74.84
Two lows ~$69.06 — bullish reversal confirmed
Learn more →
▼ Double Top
Major reversal
2026-08-20 · $77.28
Two peaks ~$80.90 — bearish reversal confirmed
Learn more →
Momentum Signals 7
▲ MACD Bullish Crossover
▲ Bull Flag
▲ MACD Bullish Crossover
▲ Bull Flag
View overlays on the price chart via Overview tab → Pattern Overlays.
EPS — History & Forecast
Estimate
Beat
Miss
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
BuyHoldSell
Price Target Range
$89.3
+17.5% upside
Low $78
—
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
50.22%Last 12 Months
Return on Equity
20.79%Last 12 Months
Revenue Growth
0.60%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
16.19BMost Recent Quarter
Total Debt
16.43BMost Recent Quarter
Net Debt
—Most Recent Quarter
How SYF Makes Its Money
Cash Flow Breakdown
Quarterly Metrics
| Quarter | Revenue | Rev YoY | Gross Profit | Op. Income | Net Income | Net YoY | Gross % | Op % | Net % |
|---|
Full Key Statistics
Valuation
| Market Cap | 24.72B |
| Enterprise Value | 26.68B |
| Trailing P/E | 7.74 |
| Forward P/E | 7.24 |
| PEG Ratio (5yr) | 0.96 |
| Price/Sales (ttm) | 2.50 |
| Price/Book (mrq) | 1.63 |
| EV/Revenue | 2.69 |
| EV/EBITDA | N/A |
Share Statistics
| Avg Vol (3m) | 3.56M |
| Shares Outstanding | 325.37M |
| Float | 323.12M |
| % Held by Insiders | 0.35% |
| % Held by Institutions | 109.37% |
| Short Ratio | 5.59 |
| Short % of Float | 7.29% |
Profitability
| Gross Margin | 0.00% |
| Operating Margin (ttm) | 50.22% |
| Profit Margin | 35.51% |
| Return on Assets (ttm) | 2.90% |
| Return on Equity (ttm) | 20.79% |
Income Statement
| Revenue (ttm) | 9.91B |
| Revenue Growth (yoy) | 0.60% |
| Gross Profit (ttm) | 9.91B |
| EBITDA | N/A |
| Net Income (ttm) | 3.44B |
| Diluted EPS (ttm) | 9.82 |
| EPS Growth (yoy) | 3.60% |
Balance Sheet
| Total Cash (mrq) | 16.19B |
| Total Debt (mrq) | 16.43B |
| Debt / Equity (mrq) | N/A |
| Current Ratio (mrq) | N/A |
| Book Value / Share | 46.71 |
| Operating CF (ttm) | 9.69B |
| Free Cash Flow (ttm) | N/A |
Trading & Dividends
| Beta (5Y) | 1.31 |
| 50-Day MA | 76.80 |
| 200-Day MA | 75.18 |
| Fwd Dividend Yield | 1.80% |
| Payout Ratio | 12.31% |
Income
Dividend Yield
1.59%Last 12 Months
Annual Rate
1.36Forward
Payout Ratio
12.31%Last 12 Months
Dividend History
Payout Ratio (Last 12 Months): 12.31%
Monthly Dividends
Ownership Breakdown
Institutional 109.37%
Insider 0.35%
Short Interest
7.29% 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
| Date | Insider | Role | Transaction | Shares | Price | Value |
|---|