Synchrony Financial (NYSE: SYF) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | S&P 500 | P/E | 7.93 | EPS (ttm) | 9.76 | Insider Own | 0.80% | Shs Outstand | 325.37M | Perf Week | 0.95% |
| Market Cap | 25.17B | Forward P/E | 7.41 | EPS next Y | 10.44 | Insider Trans | -1.55% | Shs Float | 323.68M | Perf Month | -1.07% |
| Enterprise Value | 25.41B | PEG | 0.72 | EPS next Q | 2.38 | Inst Own | - | Short Float | 5.54% | Perf Quarter | 6.94% |
| Income | 3.52B | P/S | 1.33 | EPS this Y | -4.17% | Inst Trans | - | Short Ratio | 4.89 | Perf Half Y | 18.16% |
| Sales | 18.96B | P/B | 1.49 | EPS next Y | 11.64% | ROA | 2.89% | Short Interest | 17.94M | Perf YTD | -7.29% |
| Book/sh | 51.93 | P/C | 1.55 | EPS next 5Y | 11.03% | ROE | 20.94% | 52W High | 88.77 -12.86% | Perf Year | 2.94% |
| Cash/sh | 49.77 | P/FCF | 2.68 | EPS past 3/5Y | 14.74% 32.56% | ROIC | 2.89% | 52W Low | 63.08 22.62% | Perf 3Y | 136.83% |
| Dividend Est. | 1.36 (1.76%) | EV/EBITDA | 4.92 | Sales past 3/5Y | 13.15% 8.31% | Gross Margin | 52.26% | Volatility | 2.02% 2.26% | Perf 5Y | 55.48% |
| Dividend TTM | 1.24 (1.60%) | EV/Sales | 1.34 | EPS Y/Y TTM | 14.15% | Oper. Margin | 24.34% | ATR (14) | 1.96 | Perf 10Y | 184.69% |
| Dividend Ex-Date | Aug 05, 2026 | Quick Ratio | 3.72 | Sales Y/Y TTM | -8.67% | Profit Margin | 18.56% | RSI (14) | 46.67 | Recom | 2.44 |
| Dividend Gr. 3/5Y | 8.51% 5.50% | Current Ratio | 3.72 | EPS Q/Q | 3.60% | SMA20 | -2.34% | Beta | 1.33 | Target Price | 88.30 |
| Payout | 14.30% | Debt/Eq | 0.91 | Sales Q/Q | -0.40% | SMA50 | 0.71% | Rel Volume | 0.77 | Prev Close | 78.62 |
| Employees | 20,000 | LT Debt/Eq | 0.91 | Earnings | Oct 21 | SMA200 | 2.91% | Avg Volume | 3.55M | Price | 77.35 |
| IPO Date | Jul 31, 2014 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 21.20% -0.18% | Net Debt/EBITDA | 0.05 | Volume | 2,745,996 | Change | -1.62% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-25-26 | Reiterated | Wolfe Research | Outperform | $50 → $90 |
| Aug-03-26 | Reiterated | UBS | Neutral | $82 → $87 |
| Jul-22-26 | Reiterated | Deutsche Bank | Buy | $101 → $104 |
| Jul-22-26 | Reiterated | Robert W. Baird | $86 → $90 | |
| Jul-22-26 | Reiterated | RBC Capital | Sector Perform | $85 → $80 |
| Jul-22-26 | Reiterated | Wells Fargo | Overweight | $100 → $88 |
| Jul-13-26 | Reiterated | HSBC | Buy | $81 → $97 |
| May-21-26 | Initiated | Loop Capital | Hold | $81 |
| Apr-23-26 | Reiterated | Truist Securities | Hold | $84 → $82 |
| Apr-22-26 | Downgrade | BTIG | Buy → Neutral |
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 18,959 | 19,116 | 20,759 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 9,051 | 9,360 | 11,367 | — | — | — | — | — | — | |
| Gross Profit | 9,908 | 9,756 | 9,392 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 2,628 | 2,604 | 2,353 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 2,666 | 2,531 | 2,486 | — | — | — | — | — | — | |
| Operating Income | 4,614 | 4,621 | 4,553 | — | — | — | — | — | — | |
| Interest Expense | 3,927 | 4,135 | 4,634 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 3,927 | 4,135 | 4,634 | — | — | — | — | — | — | |
| Net Income Before Taxes | 4,614 | 4,621 | 4,553 | — | — | — | — | — | — | |
| Income Taxes | 1,096 | 1,069 | 1,054 | — | — | — | — | — | — | |
| Consolidated Net Income | 3,518 | 3,552 | 3,499 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 3,518 | 3,552 | 3,499 | — | — | — | — | — | — | |
| Net Income | 3,518 | 3,552 | 3,499 | — | — | — | — | — | — | |
| EPS (Recurring) | 9.86 | 9.35 | 8.64 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 9.86 | 9.35 | 8.64 | — | — | — | — | — | — | |
| EPS (Diluted) | 9.76 | 9.29 | 8.55 | — | — | — | — | — | — | |
| EBITDA | 5,169 | 5,135 | 5,034 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 7.93 | 8.98 | 7.60 | — | — | — | — | — | — | |
| Price To Sales Ratio | 1.35 | 1.56 | 1.24 | — | — | — | — | — | — | |
| Gross Margin | 52.26 | 51.04 | 45.24 | — | — | — | — | — | — | |
| Operating Margin | 24.34 | 24.17 | 21.93 | — | — | — | — | — | — | |
| Net Margin | 18.56 | 18.58 | 16.86 | — | — | — | — | — | — | |
| Shares Outstanding | 331 | 358 | 397 | — | — | — | — | — | — | |
| Market Capitalization | 25,603 | 29,868 | 25,805 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Casellas Alberto | See remarks | Aug 13 '26 | Option Exercise | 33.53 | 5,456 | 182,940 | 55,968 | Aug 17 |
| Casellas Alberto | See remarks | Aug 13 '26 | Sale | 80.00 | 5,456 | 436,480 | 50,512 | Aug 17 |
| Gentleman Courtney | See remarks | Aug 03 '26 | Sale | 76.73 | 721 | 55,322 | 18,620 | Aug 04 |
| Owens Darrell | See remarks | Aug 03 '26 | Sale | 76.73 | 610 | 46,805 | 16,410 | Aug 04 |
| COVIELLO ARTHUR W JR | Director | Aug 03 '26 | Sale | 77.17 | 4,000 | 308,680 | 26,144 | Aug 04 |
| MOTHNER JONATHAN S | See remarks | May 15 '26 | Option Exercise | 34.30 | 11,258 | 386,149 | 143,922 | May 19 |
| MOTHNER JONATHAN S | See remarks | May 15 '26 | Sale | 71.23 | 11,258 | 801,907 | 132,664 | May 19 |
| Howse Curtis | See remarks | May 01 '26 | Sale | 76.55 | 8,436 | 645,776 | 86,437 | May 05 |
| COVIELLO ARTHUR W JR | Director | May 01 '26 | Sale | 76.55 | 4,000 | 306,200 | 29,341 | May 05 |
| Casellas Alberto | See remarks | May 01 '26 | Option Exercise | 34.30 | 5,794 | 198,734 | 56,125 | May 05 |
| Casellas Alberto | See remarks | May 01 '26 | Sale | 76.55 | 5,794 | 443,531 | 50,331 | May 05 |
| Wenzel Brian J. Sr. | See remarks | Mar 03 '26 | Sale | 67.16 | 47,112 | 3,164,042 | 64,221 | Mar 03 |
| DOUBLES BRIAN D | See remarks | Mar 02 '26 | Option Exercise | 33.85 | 67,554 | 2,286,992 | 868,327 | Mar 03 |
| DOUBLES BRIAN D | See remarks | Mar 02 '26 | Sale | 68.68 | 217,554 | 14,941,869 | 829,222 | Mar 03 |
| Schaller Bart | See remarks | Mar 02 '26 | Sale | 67.71 | 12,980 | 878,876 | 34,035 | Mar 03 |