Synchrony Financial (SYF)

Currency in USD
76.22
-1.88(-2.41%)
Real-time Data·
Earnings results expected in 4 days
SYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
75.7677.27
52 wk Range
40.5588.77
Key Statistics
Prev. Close
78.1
Open
77.01
Day's Range
75.76-77.27
52 wk Range
40.55-88.77
Volume
3.03M
Average Volume (3m)
3.45M
1-Year Change
8.2127%
Book Value / Share
42.58
Fair Value
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Fair Value Upside
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SYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
91.52
Upside
+20.08%
Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 4 consecutive years

Synchrony Financial News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company 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 securities brokerage firms. In addition, it 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, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company 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.

Sector
Financial
Employees
20000

Synchrony Financial SWOT Analysis


Credit Performance
Synchrony's improved delinquency rates and net charge-offs showcase effective risk management, bolstering analyst confidence in the company's financial stability
Strategic Partnerships
Explore Synchrony's growth potential through renewed Amazon collaboration and upcoming Walmart partnership, set to drive loan growth in 2026 and beyond
Market Outlook
Analysts project EPS of $7.59 to $8.71 for 2025, with potential earnings around $9 per share by 2026, reflecting optimism in Synchrony's future performance
Navigating Challenges
Delve into Synchrony's response to decelerating loan growth and shifting borrower demographics, balancing improved credit quality with competitive pressures
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q3/2025

  • Synchrony Financial's Q3 2025 EPS of $2.86 beat forecasts by 29.41%, with revenue at $3.82 billion slightly above expectations
  • Net earnings reached $1.1 billion, with return on average assets at 3.6% and return on tangible common equity at 30.6%
  • Despite strong results, stock saw a pre-market decline of 0.74%, trading at $72.30
  • Company expects flat ending receivables for the year, with loss rate between 5.6% and 5.7%, maintaining net revenue guidance of $15-15.1 billion
  • Management highlighted resilience and strategic growth, with credit performance outpacing expectations amid competitive pressures
Last Updated: 2025-10-15, 09:38 a/m
Read Full Transcript

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
7.8x8.4x10.1x
PEG Ratio
0.43−0.290.03
Price/Book
1.7x1.0x1.0x
Price / LTM Sales
2.8x2.8x2.9x
Upside (Analyst Target)
21.6%18.1%10.8%
Fair Value Upside
Unlock−7.8%1.1%Unlock

Analyst Ratings

14 Buy
9 Hold
0 Sell
Ratings:
23 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 91.52
(+20.08% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
RBC Capital
Hold91.00+19.33%76.00MaintainJan 12, 2026
JPMorgan
Hold86.00+12.77%75.00MaintainJan 12, 2026
Jefferies
Buy103.00+35.06%95.00MaintainJan 07, 2026
Barclays
Buy101.00+32.44%86.00MaintainJan 06, 2026
Wells Fargo
Buy100.00+31.13%95.00MaintainJan 05, 2026

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 9.10%
Dividend Yield
1.54%
Industry Median 3.21%
Annualized payout
1.20
Paid quarterly
5-Years Growth
+4.56%
Growth Streak

Earnings

Latest Release
Oct 22, 2025
EPS / Forecast
2.86 / 2.21
Revenue / Forecast
2.68B / 3.80B
EPS Revisions
Last 90 days

SYF Income Statement

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FAQ

What Is the Synchrony Financial (SYF) Stock Price Today?

The Synchrony Financial stock price today is 76.22

What Stock Exchange Does Synchrony Financial Trade On?

Synchrony Financial is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Synchrony Financial?

The stock symbol for Synchrony Financial is "SYF."

Does Synchrony Financial Pay Dividends? What’s The Current Dividend Yield?

The Synchrony Financial dividend yield is 1.54%.

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 27.48B.

What Is Synchrony Financial's Earnings Per Share (TTM)?

The Synchrony Financial EPS (TTM) is 9.10.

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on Jan 27, 2026.

From a Technical Analysis Perspective, Is SYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Synchrony Financial Stock Split?

Synchrony Financial has split 0 times.

How Many Employees Does Synchrony Financial Have?

Synchrony Financial has 20000 employees.

What is the current trading status of Synchrony Financial (SYF)?

As of Jan 24, 2026, Synchrony Financial (SYF) is trading at a price of 76.22, with a previous close of 78.10. The stock has fluctuated within a day range of 75.76 to 77.27, while its 52-week range spans from 40.55 to 88.77.

What Is Synchrony Financial (SYF) Price Target According to Analysts?

The average 12-month price target for Synchrony Financial is USD91.52, with a high estimate of USD103 and a low estimate of USD72. 14 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +20.08% Upside potential.

What Is the SYF Premarket Price?

SYF's last pre-market stock price is 77.71. The pre-market share volume is 1,420.00, and the stock has decreased by -0.39, or -0.50%.

What Is the SYF After Hours Price?

SYF's last after hours stock price is 77.60, the stock has decreased by -0.50, or -0.64%.
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