Val
—
Gro
—
Qua
—
Mom
—
Sta
—
Cap—
P/S2.46
P/E—
Fwd P/E7.14
PEG0.97
52W— – —
RSI—
Target$88.96 (+18.7%)
Beta1.31
Div1.56%
Loading chart…
RSI (14)
Loading patterns…
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.
52-Week Range
52W Low
—
52W High
Position in Range
—
RSI (14)
0 · Oversold
RSI 52
Overbought · 100
Signal
Neutral
EMA Price Levels
Volume Analysis
Momentum Dashboard
Trend Strength
Detected Patterns
3Bullish
0Bearish
0Neutral
▲ Bull Flag — Breakout after +10% pole — bullish continuation
▲ Double Bottom — Two lows ~$68.38 — bullish reversal confirmed
▲ Bull Flag — Breakout after +9% pole — bullish continuation
View overlays on the price chart via Chart tab → Pattern Overlays.
EPS — History & Forecast
Estimate
Beat
Miss
Forecast
Loading…
Revenue — History & Forecast
Revenue
Forecast
Loading…
EPS Beat Rate
88%
7/8 quarters
Wall Street Consensus
BUY
BuyHoldSell
Price Target Range
$88.96
+18.7% upside
Low $78
—
High $104
Consensus
Current price
Wall Street Analyst Ratings
| Firm | Rating | Change | Action | Date |
|---|---|---|---|---|
| Evercore ISI Group | Outperform | — | ↔ Maintain | 2026-07-28 |
| Wells Fargo | Overweight | — | ↔ Maintain | 2026-07-22 |
| RBC Capital | Sector Perform | — | ↔ Maintain | 2026-07-22 |
| Baird | Outperform | — | ↔ Maintain | 2026-07-22 |
| HSBC | Buy | — | ↔ Maintain | 2026-07-13 |
| JP Morgan | Neutral | — | ↔ Maintain | 2026-07-13 |
| TD Cowen | Buy | — | ↔ Maintain | 2026-07-07 |
| UBS | Neutral | — | ↔ Maintain | 2026-07-07 |
| Loop Capital | Hold | — | ● Initiate | 2026-05-22 |
| Truist Securities | Hold | — | ↔ Maintain | 2026-04-23 |
| Barclays | Overweight | — | ↔ Maintain | 2026-04-22 |
| BTIG | Neutral | Buy → Neutral | ▼ Downgrade | 2026-04-22 |
| Keefe, Bruyette & Woods | Outperform | — | ↔ Maintain | 2026-01-02 |
Evercore ISI Group
2026-07-28
Outperform
↔ Maintain
Wells Fargo
2026-07-22
Overweight
↔ Maintain
RBC Capital
2026-07-22
Sector Perform
↔ Maintain
Baird
2026-07-22
Outperform
↔ Maintain
HSBC
2026-07-13
Buy
↔ Maintain
JP Morgan
2026-07-13
Neutral
↔ Maintain
TD Cowen
2026-07-07
Buy
↔ Maintain
UBS
2026-07-07
Neutral
↔ Maintain
Loop Capital
2026-05-22
Hold
● Initiate
Truist Securities
2026-04-23
Hold
↔ Maintain
Barclays
2026-04-22
Overweight
↔ Maintain
BTIG
2026-04-22
Neutral
(from Buy)
▼ Downgrade
Keefe, Bruyette & Woods
2026-01-02
Outperform
↔ Maintain
Profitability
Gross Margin
0.00%TTM
Op. Margin
50.22%TTM
ROE
20.79%TTM
Rev. Growth
0.60%YoY
Free Cash Flow
N/ATTM
FCF Yield
—TTM
Balance Sheet
Debt / Equity
N/AMRQ
Current Ratio
N/AMRQ
Cash
16.19BMRQ
Total Debt
16.43BMRQ
Net Debt
—MRQ
Income
Div. Yield
1.56%TTM
Annual Rate
1.36Fwd
Payout Ratio
12.31%TTM
Dividend History
Payout Ratio (TTM): 12.31%
| Date | Amount / Share | Yield at Payment |
|---|---|---|
| 2026-05-05 | $0.3000 | 0.41% |
| 2026-02-06 | $0.3000 | 0.40% |
| 2025-11-05 | $0.3000 | 0.41% |
| 2025-08-05 | $0.3000 | 0.43% |
| 2025-05-05 | $0.3000 | 0.56% |
| 2025-02-03 | $0.2500 | 0.38% |
| 2024-11-04 | $0.2500 | 0.47% |
| 2024-08-05 | $0.2500 | 0.59% |
| 2024-05-03 | $0.2500 | 0.57% |
| 2024-02-02 | $0.2500 | 0.67% |
| 2023-10-31 | $0.2500 | 0.94% |
| 2023-07-28 | $0.2500 | 0.77% |
| 2023-05-01 | $0.2300 | 0.85% |
| 2023-02-03 | $0.2300 | 0.67% |
| 2022-10-31 | $0.2300 | 0.70% |
| 2022-07-29 | $0.2300 | 0.75% |
| 2022-04-29 | $0.2200 | 0.66% |
| 2022-02-09 | $0.2200 | 0.54% |
| 2021-10-29 | $0.2200 | 0.53% |
| 2021-07-30 | $0.2200 | 0.52% |
| 2021-04-30 | $0.2200 | 0.56% |
| 2021-02-04 | $0.2200 | 0.67% |
| 2020-10-30 | $0.2200 | 0.99% |
| 2020-07-31 | $0.2200 | 1.13% |
| 2020-05-01 | $0.2200 | 1.37% |
| 2020-02-06 | $0.2200 | 0.77% |
| 2019-11-01 | $0.2200 | 0.72% |
| 2019-08-02 | $0.2200 | 0.74% |
| 2019-05-03 | $0.2100 | 0.73% |
| 2019-02-01 | $0.2100 | 0.84% |
| 2018-11-02 | $0.2100 | 0.95% |
| 2018-08-03 | $0.2100 | 0.85% |
| 2018-05-04 | $0.1500 | 0.56% |
| 2018-02-02 | $0.1500 | 0.47% |
| 2017-11-03 | $0.1500 | 0.56% |
| 2017-08-03 | $0.1500 | 0.62% |
| 2017-05-04 | $0.1300 | 0.56% |
| 2017-02-02 | $0.1300 | 0.46% |
| 2016-11-03 | $0.1300 | 0.58% |
| 2016-08-10 | $0.1300 | 0.59% |
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 | 24.39B |
| Enterprise Value | 26.35B |
| Trailing P/E | 7.91 |
| Forward P/E | 7.14 |
| PEG Ratio (5yr) | 0.97 |
| Price/Sales (ttm) | 2.46 |
| Price/Book (mrq) | 1.66 |
| EV/Revenue | 2.66 |
| EV/EBITDA | N/A |
Share Statistics
| Avg Vol (3m) | 3.87M |
| Shares Outstanding | 325.37M |
| Float | 323.27M |
| % Held by Insiders | 0.35% |
| % Held by Institutions | 111.65% |
| Short Ratio | 5.08 |
| Short % of Float | 7.93% |
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) | 9.48 |
| 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 | 45.27 |
| Operating CF (ttm) | 9.69B |
| Free Cash Flow (ttm) | N/A |
Trading & Dividends
| Beta (5Y) | 1.31 |
| 50-Day MA | 73.37 |
| 200-Day MA | 74.31 |
| Fwd Dividend Yield | 176.00% |
| Payout Ratio | 12.31% |
Ownership Breakdown
Institutional 111.65%
Insider 0.35%
Short Interest
7.93% of float
Moderate
Institutional 13F Holdings
Famous investors who disclosed a position in SYF in their latest SEC 13F filing.
Loading…
Insider Transactions
| Date | Insider | Role | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-30 | RICHIE LAUREL J | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | CHYTIL KAMILA K | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | COLAO DANIEL O | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | NAYLOR JEFFREY G | Director | Stock Award(Grant) at price 76.05 per share. | 1,200 | $91,260 |
| 2026-06-30 | AGUIRRE FERNANDO | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | PARKER PAUL W | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | ALVES PAGET LEONARD | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | ZANE ELLEN M | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | ELLINGER DEBORAH G. | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | GUTHRIE ROY A | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-06-30 | COVIELLO ARTHUR W JR | Director | Stock Award(Grant) at price 76.05 per share. | 789 | $60,003 |
| 2026-05-15 | MOTHNER JONATHAN S | Officer | Conversion of Exercise of derivative security at price 34.30 per share. | 11,258 | $386,149 |
| 2026-05-15 | MOTHNER JONATHAN S | Officer | Sale at price 71.23 per share. | 51,258 | $3,651,107 |
| 2026-05-15 | OWENS DARRELL | Officer | Stock Award(Grant) at price 71.38 per share. | 74 | $5,282 |
| 2026-05-15 | COLAO DANIEL O | Director | Stock Award(Grant) at price 71.38 per share. | 14 | $999 |
| 2026-05-15 | AGUIRRE FERNANDO | Director | Stock Award(Grant) at price 71.38 per share. | 14 | $999 |
| 2026-05-15 | PARKER PAUL W | Director | Stock Award(Grant) at price 71.38 per share. | 14 | $999 |
| 2026-05-01 | HOWSE CURTIS | Officer | Sale at price 76.55 per share. | 8,436 | $645,776 |
| 2026-05-01 | CASELLAS ALBERTO B | Officer | Sale at price 76.55 per share. | 5,794 | $443,531 |
| 2026-05-01 | CASELLAS ALBERTO B | Officer | Conversion of Exercise of derivative security at price 34.30 per share. | 5,794 | $198,734 |
| 2026-05-01 | COVIELLO ARTHUR W JR | Director | Sale at price 76.55 per share. | 4,000 | $306,200 |
| 2026-03-31 | RICHIE LAUREL J | Director | Stock Award(Grant) at price 68.02 per share. | 883 | $60,062 |
| 2026-03-31 | CHYTIL KAMILA K | Director | Stock Award(Grant) at price 68.02 per share. | 883 | $60,062 |
| 2026-03-31 | COLAO DANIEL O | Director | Stock Award(Grant) at price 68.02 per share. | 883 | $60,062 |
| 2026-03-31 | NAYLOR JEFFREY G | Director | Stock Award(Grant) at price 68.02 per share. | 1,343 | $91,351 |
RICHIE LAUREL J
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
CHYTIL KAMILA K
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
COLAO DANIEL O
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
NAYLOR JEFFREY G
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
1,200 sh
$91,260
AGUIRRE FERNANDO
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
PARKER PAUL W
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
ALVES PAGET LEONARD
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
ZANE ELLEN M
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
ELLINGER DEBORAH G.
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
GUTHRIE ROY A
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
COVIELLO ARTHUR W JR
Director
Stock Award(Grant) at price 76.05 per share.
2026-06-30
789 sh
$60,003
MOTHNER JONATHAN S
Officer
Conversion of Exercise of derivative security at price 34.30 per share.
2026-05-15
11,258 sh
$386,149
MOTHNER JONATHAN S
Officer
Sale at price 71.23 per share.
2026-05-15
51,258 sh
$3,651,107
OWENS DARRELL
Officer
Stock Award(Grant) at price 71.38 per share.
2026-05-15
74 sh
$5,282
COLAO DANIEL O
Director
Stock Award(Grant) at price 71.38 per share.
2026-05-15
14 sh
$999
AGUIRRE FERNANDO
Director
Stock Award(Grant) at price 71.38 per share.
2026-05-15
14 sh
$999
PARKER PAUL W
Director
Stock Award(Grant) at price 71.38 per share.
2026-05-15
14 sh
$999
HOWSE CURTIS
Officer
Sale at price 76.55 per share.
2026-05-01
8,436 sh
$645,776
CASELLAS ALBERTO B
Officer
Sale at price 76.55 per share.
2026-05-01
5,794 sh
$443,531
CASELLAS ALBERTO B
Officer
Conversion of Exercise of derivative security at price 34.30 per share.
2026-05-01
5,794 sh
$198,734
COVIELLO ARTHUR W JR
Director
Sale at price 76.55 per share.
2026-05-01
4,000 sh
$306,200
RICHIE LAUREL J
Director
Stock Award(Grant) at price 68.02 per share.
2026-03-31
883 sh
$60,062
CHYTIL KAMILA K
Director
Stock Award(Grant) at price 68.02 per share.
2026-03-31
883 sh
$60,062
COLAO DANIEL O
Director
Stock Award(Grant) at price 68.02 per share.
2026-03-31
883 sh
$60,062
NAYLOR JEFFREY G
Director
Stock Award(Grant) at price 68.02 per share.
2026-03-31
1,343 sh
$91,351