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Start Your Free Trial NowKey Metrics & Ratings
- symbol SYF
- Rev/Share 56.4773
- Book/Share 46.8529
- PB 1.5692
- Debt/Equity 0.9055
- CurrentRatio 18.0475
- ROIC 0.0524
- MktCap 26479779125.0
- FreeCF/Share 27.2466
- PFCF 2.7159
- PE 7.4067
- Debt/Assets 0.1275
- DivYield 0.0156
- ROE 0.2109
- Rating A-
- Score 4
- Recommendation Buy
- P/E Score 3
- DCF Score 5
- P/B Score 2
- D/E Score 2
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Upgrade | SYF | Compass Point | Neutral | Buy | -- | $96 | Jan. 28, 2026 |
| Resumed | SYF | Wolfe Research | -- | Outperform | -- | $92 | Dec. 8, 2025 |
| Downgrade | SYF | Robert W. Baird | Outperform | Neutral | -- | $82 | Dec. 5, 2025 |
| Upgrade | SYF | HSBC Securities | Hold | Buy | -- | $81 | Oct. 10, 2025 |
| Downgrade | SYF | JP Morgan | Overweight | Neutral | -- | $75 | Oct. 7, 2025 |
| Initiation | SYF | Rothschild & Co Redburn | -- | Neutral | -- | $72 | Aug. 1, 2025 |
| Upgrade | SYF | BTIG Research | Neutral | Buy | -- | $100 | July 14, 2025 |
| Downgrade | SYF | Morgan Stanley | Overweight | Equal Weight | -- | $44 | April 7, 2025 |
| Downgrade | SYF | Compass Point | Buy | Neutral | -- | $70 | Jan. 28, 2025 |
| Upgrade | SYF | Barclays | Equal Weight | Overweight | $59 | $79 | Jan. 6, 2025 |
News
Synchrony to Participate in the 2026 UBS Financial Services Conference
Published: February 03, 2026 by: PRNewsWire
Sentiment: Neutral
STAMFORD, Conn., Feb. 3, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.
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Synchrony Financial Stock Could Rally Back Near Record Peak
Published: January 29, 2026 by: Schaeffers Research
Sentiment: Positive
This commentary first appeared on Forbes Great Speculations , where Schaeffer's Investment Research is a regular contributor.
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Synchrony Financial Analysts Slash Their Forecasts Following Q4 Earnings
Published: January 28, 2026 by: Benzinga
Sentiment: Negative
Synchrony Financial (NYSE: SYF) reported mixed results for the fourth quarter on Tuesday.
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Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript
Published: January 27, 2026 by: Seeking Alpha
Sentiment: Neutral
Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript
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Synchrony Q4 Earnings Beat Estimates on Improved Efficiency
Published: January 27, 2026 by: Zacks Investment Research
Sentiment: Positive
SYF's Q4 EPS of $2.18 beat estimates as efficiency improves, purchase volume rises and credit loss provisions fall despite softer loan receivables.
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Synchrony Says BNPL Lifts Sales Without Hurting Cards
Published: January 27, 2026 by: PYMNTS
Sentiment: Positive
Synchrony Financial closed 2025 with fourth-quarter purchase volume of $49 billion, a company record and a 3% year-over-year increase, as spending patterns strengthened across most platforms and co-branded cards continued to gain share, as detailed in fourth-quarter results released on Tuesday (Jan. 27).
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Compared to Estimates, Synchrony (SYF) Q4 Earnings: A Look at Key Metrics
Published: January 27, 2026 by: Zacks Investment Research
Sentiment: Neutral
While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Read More
Synchrony Financial Stock Could Rally Back Near Record Peak
Published: January 22, 2026 by: Forbes
Sentiment: Positive
Though Synchrony Financial (SYF) stock sports a 50.6% nine-month lead, it has struggled so far in 2026, last seen carrying a 6.3% deficit for January. Shares gapped lower after hitting a Jan. 9, record high of $88.77, though newly formed resistance-turned-support at the $75 level contained those losses.
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Wall Street's Insights Into Key Metrics Ahead of Synchrony (SYF) Q4 Earnings
Published: January 22, 2026 by: Zacks Investment Research
Sentiment: Neutral
Get a deeper insight into the potential performance of Synchrony (SYF) for the quarter ended December 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics.
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Will Lower Active Accounts Impact Synchrony's Q4 Earnings Potential?
Published: January 21, 2026 by: Zacks Investment Research
Sentiment: Positive
SYF heads into Q4 with higher margins and purchase volumes, but declining active accounts and average interest-earning assets cloud earnings upside.
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SYF Enhances Patient Financing Options With Clover Integration
Published: January 13, 2026 by: Zacks Investment Research
Sentiment: Positive
Synchrony deepens its Clover integration, letting 40,000+ providers offer CareCredit financing at the point of sale.
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Synchrony Financial: Trump's Credit Card Proposal Creates An Opportunity
Published: January 12, 2026 by: Seeking Alpha
Sentiment: Neutral
Synchrony Financial faces heightened political risk after President Trump proposed a 10% cap on credit card interest rates. A 10% cap would render SYF's business model unprofitable, potentially leading to major credit contraction and consumer spending decline. I view the probability of such a cap passing as low, given legal and congressional hurdles and negative economic ramifications.
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Credit lender stocks slide on Trump proposal to cap card interest rates
Published: January 12, 2026 by: Proactive Investors
Sentiment: Negative
Shares of banks and credit card companies moved lower after US president Donald Trump proposed capping interest rates on cards to 10% for a year starting January 20, rekindling an idea initially put forward during his 2024 presidential campaign. The average interest rate for credit cards in the US is reportedly about 20%.
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Synchrony (SYF) is a Top-Ranked Momentum Stock: Should You Buy?
Published: January 12, 2026 by: Zacks Investment Research
Sentiment: Positive
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
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Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Published: January 06, 2026 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
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Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
Published: December 19, 2025 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
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Synchrony Financial (SYF) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
Published: December 09, 2025 by: Seeking Alpha
Sentiment: Neutral
Synchrony Financial (SYF) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
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Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick?
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Negative
Does COF's rising NII and Discover deal make it a better pick than SYF amid its partnerships and pressure on revenues? Let's find out.
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SYF & The Toro Company Unveil New Credit Card for Equipment Buyers
Published: November 21, 2025 by: Zacks Investment Research
Sentiment: Positive
Synchrony and The Toro Company launch a co-branded credit card, offering streamlined financing and digital tools to boost dealer sales.
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Synchrony (SYF) Up 5% Since Last Earnings Report: Can It Continue?
Published: November 14, 2025 by: Zacks Investment Research
Sentiment: Positive
Synchrony (SYF) reported earnings 30 days ago. What's next for the stock?
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Synchrony Financial (SYF) Presents at KBW Fintech Payments Conference 2025 Transcript
Published: November 12, 2025 by: Seeking Alpha
Sentiment: Neutral
Synchrony Financial ( SYF ) KBW Fintech Payments Conference 2025 November 12, 2025 10:10 AM EST Company Participants Brian Wenzel - Executive VP & CFO Conference Call Participants Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Sanjay Sakhrani Keefe, Bruyette, & Woods, Inc., Research Division All right. I'm going to keep us on time.
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Synchrony (SYF) is a Top-Ranked Value Stock: Should You Buy?
Published: November 04, 2025 by: Zacks Investment Research
Sentiment: Positive
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
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SYF vs. AXP: Which Stock Is the Better Value Option?
Published: October 20, 2025 by: Zacks Investment Research
Sentiment: Positive
Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Synchrony (SYF) or American Express (AXP). But which of these two companies is the best option for those looking for undervalued stocks?
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Are Investors Undervaluing Synchrony Financial (SYF) Right Now?
Published: October 20, 2025 by: Zacks Investment Research
Sentiment: Positive
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
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These Analysts Increase Their Forecasts On Synchrony Financial After Upbeat Q3 Earnings
Published: October 16, 2025 by: Benzinga
Sentiment: Positive
Synchrony Financial (NYSE:SYF) reported better-than-expected earnings for the third quarter on Wednesday.
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Synchrony Q3 Earnings Beat Estimates on Improved Purchase Volume
Published: October 15, 2025 by: Zacks Investment Research
Sentiment: Positive
SYF's Q3 earnings jump 47% on stronger purchase volume and efficiency gains, easily surpassing profit and revenue estimates.
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Synchrony's Q3 Shows Strength, Not Strain, as Consumers Hold the Line
Published: October 15, 2025 by: PYMNTS
Sentiment: Positive
Today's economy remains oscillating between resilience, restraint and a hopeful rebound. This makes few barometers of consumer health as revealing as their spending habits, and puts Synchrony, the country's largest private-label credit card issuer, squarely at the junction of retail spending, household liquidity and credit confidence.
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Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Published: October 15, 2025 by: Zacks Investment Research
Sentiment: Neutral
While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Read More
OPEIU and CWA Call on Synchrony Financial To Disclose Material Relationships Compromising Director Independence
Published: October 14, 2025 by: GlobeNewsWire
Sentiment: Neutral
New York, NY, Oct. 14, 2025 (GLOBE NEWSWIRE) -- The Office and Professional Employees International Union (OPEIU) and the Communications Workers of America (CWA) union filed complaints with the Securities and Exchange Commission, the New York Stock Exchange, and the New York Attorney General over the failure by Synchrony Financial to disclose a material relationship that compromised the independence of one of its Directors and Audit Committee members, Paget Alves, in contravention of New York Stock Exchange rules on director independence.
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Synchrony Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
Published: October 13, 2025 by: Benzinga
Sentiment: Neutral
Synchrony Financial (NYSE:SYF) will release earnings results for the third quarter, before the opening bell on Wednesday, Oct. 15.
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About Synchrony Financial (SYF)
- IPO Date 2014-07-31
- Website https://www.synchrony.com
- Industry Financial - Credit Services
- CEO Brian D. Doubles
- Employees 20000