Synchrony Financial (SYF)

Currency in USD
76.33
-0.44(-0.57%)
Closed·
76.330.00(0.00%)
·
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Fair Value
Day's Range
75.3477.93
52 wk Range
63.0888.77
Key Statistics
Prev. Close
76.77
Open
77.69
Day's Range
75.34-77.93
52 wk Range
63.08-88.77
Volume
2.46M
Average Volume (3m)
3.74M
1-Year Change
8.7942%
Book Value / Share
43.89
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
89.43
Upside
+17.17%
Members' Sentiments
Bearish
Bullish
ProTips
High shareholder yield

Synchrony Financial News & Analysis

Show more

Technical Analysis

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

Analyst Ratings

15 Buy
9 Hold
0 Sell
Ratings:
24 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 89.43
(+17.17% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Loop Capital
Hold81.00+6.12%-New Coverage21/05/2026
Truist Securities
Hold82.00+7.43%71.00Maintain23/04/2026
TD Cowen
Buy89.00+16.60%83.00Maintain22/04/2026
Baird
Buy86.00+12.67%83.00Maintain22/04/2026
BTIG
Hold---Downgrade22/04/2026

Synchrony Financial SWOT Analysis


Strategic Alliances
Explore Synchrony's pivotal partnerships, including the game-changing Walmart deal and renewed Amazon collaboration, shaping its market position and growth trajectory.
Credit Quality Trends
Delve into Synchrony's improving credit metrics, with declining net charge-offs and delinquencies, signaling robust risk management and financial health.
Growth Challenges
Uncover the complexities behind Synchrony's loan growth slowdown, attributed to a shift towards super prime borrowers and higher payment rates.
Future Outlook
Analysts project EPS of $8.18 for FY2025 and $8.91 for FY2026, with price targets ranging from $62 to $80, reflecting varied perspectives on Synchrony's potential.
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q1/2026

  • Q1 2026 EPS of $2.27 beat forecast of $2.20; revenue of $4.77B exceeded expectations of $3.78B by 26.19%, with record $43B purchase volume.
  • Net interest margin improved 76 basis points; net charge-off rate declined to 5.42% from 6.38% year-over-year, signaling improved credit quality.
  • Stock fell 1.76% to $77.20 in premarket despite strong results, trading at P/E of 8.46; InvestingPro rates company as undervalued.
  • Q2 2026 EPS guidance set at $2.18; seven analysts revised earnings upward, citing strength from partner expansions and digital platform growth.
  • CEO Keane emphasized diversified business model success; company investing in technology and AI to manage rising operational costs while driving growth.
Last Updated: 21/04/2026, 14:16
Read Full Transcript

Earnings

Latest Release
21/04/2026
EPS / Forecast
2.27 / 2.20
Revenue / Forecast
4.77B / 3.78B
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 9.69%
Dividend Yield
1.56%
Industry Median 2.96%
Annualised payout
1.20
Paid quarterly
5-Years Growth
+6.40%
Growth Streak

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
7.3x11.9x10.0x
PEG Ratio
0.22−0.480.03
Price/Book
1.7x1.3x1.0x
Price / LTM Sales
2.6x3.8x2.9x
Upside (Analyst Target)
17.9%9.6%13.2%
Fair Value Upside
Unlock−6.5%2.0%Unlock

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.

Sector
Financial
Employees
20000

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
196.25M58.34%14.98B
Other Institutional Investors
162.83M41.66%12.43B
Public Companies & Retail Investors
0.000.00%0.00
Total
359.09M100.00%27.41B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Capital Research and Management Company10.05%33,796,9072,579,718
BlackRock, Inc.9.06%30,463,4642,325,276

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FAQ

What Is the Synchrony Financial (NYSE: SYF) Share Price Today?

The Synchrony Financial stock price today is 76.33 USD.

What Stock Exchange Does Synchrony Financial (SYF) Trade On?

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

What Is the Ticker (Stock Symbol) for Synchrony Financial?

The stock symbol (also called a 'ticker') for Synchrony Financial is "SYF."

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

Yes, SYF Pays Dividends to its Shareholders. The current Synchrony Financial dividend yield is 1.56%.

What Is the Current Synchrony Financial Market Capitalisation?

As of today, Synchrony Financial (NYSE: SYF) market cap is 25.68B USD.

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

The Synchrony Financial EPS is currently 9.69 (Trailing Twelve Months).

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial's next earnings report will be released on 21/07/2026.

Is SYF a Buy or Sell From a Technical Analyst Perspective?

Based on today's Synchrony Financial moving averages and other technical indicators, the daily buy/sell signal for SYF stock is Strong Buy.

How Many Times Has Synchrony Financial Stock Split?

Synchrony Financial has split 0 times. (See the SYF stock split history page for full effective split date and price information.)

How Many Employees Does Synchrony Financial Have?

Synchrony Financial has 20000 employees, based on their latest Companies House report.

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

As of 04/07/2026, Synchrony Financial (SYF) is trading at a share price of 76.33 USD, with a previous close of 76.77 USD. The stock has fluctuated within a day range of 75.34 USD to 77.93 USD, while its 52-week range spans from 63.08 USD to 88.77 USD.

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

The average 12-month price target for Synchrony Financial is 89.43 USD, with a high estimate of 103 USD and a low estimate of 77 USD. 15 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +17.17% Upside potential.
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