SYF

Synchrony Financial
NYSEFINANCIAL SERVICESCREDIT SERVICES

Key Statistics

Market Cap
$25.40B
P/E Ratio
7.82
EPS
$9.66
Beta
1.31
52W High
$88.05
52W Low
$62.83
50-Day MA
$73.55
200-Day MA
$74.29
Dividend Yield
1.56%
Profit Margin
36.40%
Forward P/E
8.12
PEG Ratio
0.98

About Synchrony Financial

Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$9.89B
Gross Profit (TTM)$9.89B
EBITDA
Operating Margin48.00%
Return on Equity21.80%
Return on Assets2.96%
Revenue/Share (TTM)$27.54
Book Value$45.27
Price-to-Book1.68
Price-to-Sales (TTM)2.57
EV/Revenue2.896
EV/EBITDA
Quarterly Earnings Growth (YoY)20.10%
Quarterly Revenue Growth (YoY)6.10%
Shares Outstanding$336.37M
Float$334.75M
% Insiders0.34%
% Institutions107.73%

Historical Volatility

HV 10-Day
57.83%
HV 20-Day
48.35%
HV 30-Day
41.36%
HV 60-Day
35.51%
HV Rank
98.0%

Volatility is currently expanding

Analyst Ratings

Consensus ($89.78 target)
3
Strong Buy
12
Buy
9
Hold

Latest News

Synchrony Launches Free Skilled-Trades Degree Pathway for Employees

New program enables eligible employees to earn associate degrees in HVAC, electrical, welding and more with tuition covered by the company Women in the Trades Forum convenes industry leaders to strengthen the pipeline for tech ‑ enabled trade careers WEST CHESTER, Ohio, July 8, 2026 /PRNewswire/ -- At Synchrony's Women in the Trades forum, hosted with leading nonprofit partners, company leaders unveiled a new program enabling all U.S. employees, after three months of service, to earn a debt-free associate degree through community and technical college programs in high-demand fields like HVAC, electrical, plumbing and welding, building skills that support critical roles in data center operations and advanced mechanics.  Demand for these roles is accelerating, with nearly 500,000 skilled trade jobs unfilled today in the U.S., and by 2030, another 2.1 million more positions could go unfilled.

PRNewsWire7/8/2026Neutral
Synchrony Financial: A Resilient Preferred For Rate Uncertainty

Synchrony Financial offers Series B fixed-rate reset preferreds, SYF.PR.B, with an 8.25% coupon, currently yielding ~8.04% at trading a slight premium to par. SYF.PR.B manages the interest rate risk versus fixed-rate preferreds, with coupon resetting in May 2029 to the five-year Treasury plus 4.044%. Synchrony's strong credit profile features a ~$15.25B common equity cushion and ~40x preferred dividend coverage, supporting preferred holders' security.

Seeking Alpha6/29/2026Positive
Synchrony Financial Fixed-Rate Preferred: Attractive Yield At A Discount, Uncertain Rate Outlook

Synchrony Financial fixed-rate preferred offers a ~7.54% yield, trading at a discount due to higher market rates. SYF.PR.A enjoys strong dividend coverage (~40x quarterly, ~43x annual), strong capital ratios, and qualified dividend treatment for enhanced after-tax yield. Interest rate trajectory remains the primary risk; upside is capped at par, but discount mitigates call risk and allows for rate-reversal participation.

Seeking Alpha6/26/2026Positive
Synchrony Moves Dental Financing Beyond the Credit Score

Watch more: Synchrony SMB Series With Beto Casellas of Synchrony and Dr. Priveer Sharma of Sharma Oral Surgery  A patient sits in the chair needing an implant or a set of extractions and can't pay for it up front.

PYMNTS6/23/2026Positive
Synchrony's Comeback Is Hiding in Plain Sight

These days, that's been working pretty well. As one of the largest private-label credit card issuers in the United States, the company is making money, reducing loan losses, and handing billions back to shareholders.

MarketBeat6/10/2026Positive
Synchrony Named No. 1 Best Workplace in New York by Fortune and Great Place To Work

Top honor highlights Synchrony's high-trust culture built for New York speed, with flexibility, collaboration, AI fluency and its NYC Experience Center accelerating innovation and business results NEW YORK, June 9, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company, has been named the No. 1 Best Workplace in New York by Great Place To Work® and Fortune magazine.

PRNewsWire6/9/2026Neutral
CareCredit Now Available at LiveLoveSpa.com Checkout, Marking First eCommerce Partnership in the Cosmetic Space

LiveLoveSpa.com becomes the first eCommerce partner in the cosmetic space to offer the CareCredit credit card as a seamless checkout option, giving consumers more options to pay for skincare and beauty products. Key Highlights: A first in beauty eCommerce: LiveLoveSpa.com becomes CareCredit's first cosmetics eCommerce partner to offer CareCredit as a built-in checkout payment option.

PRNewsWire6/3/2026Neutral

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Data last updated: 7/9/2026