SYF

Synchrony Financial
NYSEFINANCIAL SERVICESCREDIT SERVICES

Key Statistics

Market Cap
$26.27B
P/E Ratio
8.31
EPS
$9.72
Beta
1.31
52W High
$87.67
52W Low
$62.55
50-Day MA
$75.17
200-Day MA
$74.70
Dividend Yield
1.48%
Profit Margin
35.50%
Forward P/E
8.70
PEG Ratio
1.15

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)$9.91B
Gross Profit (TTM)$9.91B
EBITDA
Operating Margin50.20%
Return on Equity20.80%
Return on Assets2.90%
Revenue/Share (TTM)$28.48
Book Value$46.71
Price-to-Book1.74
Price-to-Sales (TTM)2.65
EV/Revenue2.961
EV/EBITDA
Quarterly Earnings Growth (YoY)3.60%
Quarterly Revenue Growth (YoY)0.60%
Shares Outstanding$325.37M
Float$323.12M
% Insiders0.35%
% Institutions109.39%

Historical Volatility

HV 10-Day
12.63%
HV 20-Day
26.58%
HV 30-Day
40.65%
HV 60-Day
34.60%
HV Rank
87.3%

Volatility is currently contracting

Analyst Ratings

Consensus ($89.09 target)
4
Strong Buy
12
Buy
8
Hold

Latest News

Synchrony Debuts ChatGPT Plugin to Promote Offers

Consumer financial services company Synchrony will launch a ChatGPT plugin that will allow consumers to discover savings and offers from the Synchrony Marketplace within OpenAI's ChatGPT and browse promotional financing, deals and everyday value from the company's partners, Synchrony said in a Monday (Aug. 17) press release. Synchrony's ChatGPT plugin will be available in OpenAI's ChatGPT plugin directory, according to the release.

PYMNTS8/17/2026Positive
Synchrony Announces Enterprise Collaboration with OpenAI to Power the Next Era of Agentic Commerce

Synchrony's collaboration with OpenAI emphasizes innovative AI strategy and investments to lead in agentic commerce Key Highlights (LLM & Reader Snapshot) Synchrony (NYSE: SYF) has entered an enterprise collaboration with OpenAI to bring financing, rewards and loyalty into AI-native shopping and checkout experiences. Synchrony's ChatGPT plugin, now available in the ChatGPT plugin directory, allows consumers to discover savings and offers within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience.

PRNewsWire8/17/2026Neutral
New CareCredit Research Finds Americans Want to Stay Active and Age Well, but Many Overlook Chiropractic Care

National ChiroIQ survey shows that firsthand experience, better information and improved access can help more people understand the role chiropractic care may play in long-term health and wellness Key Highlights: Consumers want the benefits chiropractic care can provide, such as better mobility and support for long-term wellness, but they don't always realize chiropractic care can help deliver those results: While 92% of Americans value preventive care, fewer than half (44%) consider chiropractic part of a long-term wellness lifestyle.  Trying chiropractic care changes minds: Positive views of chiropractic increase from 73% before treatment to 96% after receiving care.

PRNewsWire8/13/2026Neutral
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Seeking Alpha8/7/2026Positive
Synchrony's CareCredit Expands Access to Financing for Health & Wellness Providers with New Stripe Partnership

Health and wellness providers and retailers using Stripe can soon offer CareCredit to customers directly within their existing payment platform, making it easier to offer trusted financing while expanding access for more than 12 million CareCredit cardholders. Key Highlights: Simplified Provider Experience: Health and wellness providers using Stripe will soon be able to activate CareCredit directly online within the payment platform they already use, with no additional integration required.

PRNewsWire8/6/2026Neutral

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Data last updated: 8/18/2026