Synchrony Financial (SYF)

US — Financial Services Sector
Peers: ALLY  SYF-PA  WU  BFH  CFG  BK  MTB 

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Key Metrics & Ratings

  • symbol SYF
  • Rev/Share 56.4434
  • Book/Share 45.0611
  • PB 1.6752
  • Debt/Equity 0.9444
  • CurrentRatio 0.2718
  • ROIC 0.1269

 

  • MktCap 28084798130.0
  • FreeCF/Share 26.05
  • PFCF 2.8658
  • PE 8.6949
  • Debt/Assets 0.1328
  • DivYield 0.0146
  • ROE 0.1977

 

  • Rating A-
  • Score 4
  • Recommendation Buy
  • P/E Score 3
  • DCF Score 4
  • 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
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
Upgrade SYF Morgan Stanley Underweight Overweight $40 $82 Dec. 19, 2024
Upgrade SYF JP Morgan Neutral Overweight $59 $72 Dec. 9, 2024
Upgrade SYF Wells Fargo Equal Weight Overweight $60 $85 Dec. 3, 2024
Downgrade SYF BTIG Research Buy Neutral -- -- Sept. 16, 2024

News

Synchrony Financial (SYF) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript
SYF
Published: September 10, 2025 by: Seeking Alpha
Sentiment: Neutral

Synchrony Financial (NYSE:SYF ) Barclays 23rd Annual Global Financial Services Conference September 10, 2025 7:30 AM EDT Company Participants Brian Wenzel - Executive VP & CFO Conference Call Participants Terry Ma - Barclays Bank PLC, Research Division Unknown Attendee Presentation Terry Ma Research Analyst All right. Good morning, everyone.

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image for news Synchrony Financial (SYF) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript
Should Value Investors Buy Synchrony Financial (SYF) Stock?
SYF
Published: September 10, 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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image for news Should Value Investors Buy Synchrony Financial (SYF) Stock?
August's Top S&P 500 Performers in the Financial Services Sector
AIZ, AXP, CFG, FITB, SYF
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Assurant, Synchrony, American Express, Fifth Third and Citizens Financial led August gains in the Financial Services sector.

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image for news August's Top S&P 500 Performers in the Financial Services Sector
Here's Why Synchrony (SYF) is a Strong Momentum Stock
SYF
Published: September 01, 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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image for news Here's Why Synchrony (SYF) is a Strong Momentum Stock
Synchrony's Health & Wellness Bet: A Long-Term Growth Catalyst?
SYF
Published: August 29, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF is growing its CareCredit network in Health & Wellness, tapping resilient demand to power long-term expansion.

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image for news Synchrony's Health & Wellness Bet: A Long-Term Growth Catalyst?
Capital One vs. Synchrony Financial: Which Stock is a Better Pick Now?
COF, SYF
Published: August 27, 2025 by: Zacks Investment Research
Sentiment: Neutral

COF's Discover deal and SYF's partnerships fuel growth but which stock is the better buy now? Let's find out.

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image for news Capital One vs. Synchrony Financial: Which Stock is a Better Pick Now?
Here's Why Synchrony (SYF) is a Strong Value Stock
SYF
Published: August 21, 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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image for news Here's Why Synchrony (SYF) is a Strong Value Stock
Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
SYF
Published: August 06, 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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image for news Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
SYF
Published: August 04, 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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image for news Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Synchrony Q2 Earnings Beat Estimates on Improved Efficiency
SYF
Published: July 22, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF's Q2 EPS tops estimates by 45% as efficiency gains, margin improvement and lower credit losses fuel profits.

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image for news Synchrony Q2 Earnings Beat Estimates on Improved Efficiency
Synchrony (SYF) Reports Q2 Earnings: What Key Metrics Have to Say
SYF
Published: July 22, 2025 by: Zacks Investment Research
Sentiment: Positive

The headline numbers for Synchrony (SYF) give insight into how the company performed in the quarter ended June 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

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image for news Synchrony (SYF) Reports Q2 Earnings: What Key Metrics Have to Say
Is a Surprise Coming for Synchrony Financial This Earnings Season?
SYF
Published: July 21, 2025 by: Zacks Investment Research
Sentiment: Positive

Synchrony Financial is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

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image for news Is a Surprise Coming for Synchrony Financial This Earnings Season?
Here's Why Synchrony (SYF) is a Strong Value Stock
SYF
Published: July 18, 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.

Read More
image for news Here's Why Synchrony (SYF) is a Strong Value Stock
Synchrony (SYF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
SYF
Published: July 15, 2025 by: Zacks Investment Research
Sentiment: Positive

Synchrony (SYF) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news Synchrony (SYF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
SYF
Published: July 02, 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.

Read More
image for news Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
SYF
Published: June 30, 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.

Read More
image for news Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term
Synchrony Partners With Sploot to Make Pet Healthcare More Affordable
SYF
Published: June 25, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF teams up with Sploot to launch CareCredit at pet clinics, expanding access to veterinary financing in key cities.

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image for news Synchrony Partners With Sploot to Make Pet Healthcare More Affordable
SYF Joins Forces With Payzer to Streamline Home Improvement Financing
SYF
Published: June 19, 2025 by: Zacks Investment Research
Sentiment: Positive

Synchrony teams up with Payzer to embed financing into contractor tools, aiming to boost speed, flexibility and customer satisfaction.

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image for news SYF Joins Forces With Payzer to Streamline Home Improvement Financing
Here's Why Synchrony (SYF) is a Strong Value Stock
SYF
Published: June 16, 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.

Read More
image for news Here's Why Synchrony (SYF) is a Strong Value Stock
Synchrony Sets a New Standard in Consumer Credit Education with Fair Financing Principles
SYF
Published: June 16, 2025 by: PRNewsWire
Sentiment: Neutral

Resource hub combines the company's principles with new consumer tools in a bold move toward industry transparency in Health & Wellness New procedure calculator provides estimates of the most-searched procedures in the U.S. by zip code STAMFORD, Conn., June 16, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer finance company, has always believed that consumers need clear and understandable information to feel confident in their decision-making process when considering financing options.

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image for news Synchrony Sets a New Standard in Consumer Credit Education with Fair Financing Principles
Making Dreams a Reality: Synchrony Teams Up with Future 5 to Empower Students in Stamford
SYF
Published: June 11, 2025 by: PRNewsWire
Sentiment: Neutral

STAMFORD, Conn. , June 11, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company headquartered in Stamford, this week joined students and community leaders to celebrate the opening of the new Future 5 hub.

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image for news Making Dreams a Reality: Synchrony Teams Up with Future 5 to Empower Students in Stamford
SYF Ties Up to Offer Two Credit Cards: Higher Net Interest Income Ahead?
SYF
Published: June 10, 2025 by: Zacks Investment Research
Sentiment: Positive

Synchrony teams up with OnePay and Walmart to launch Mastercard-powered credit cards, offering flexible financing options and boosting U.S. consumers' purchasing power from this fall.

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image for news SYF Ties Up to Offer Two Credit Cards: Higher Net Interest Income Ahead?
SYF or SOFI: Which Is the Better Value Stock Right Now?
SOFI, SYF
Published: June 10, 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 SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for those looking for undervalued stocks?

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image for news SYF or SOFI: Which Is the Better Value Stock Right Now?
Synchrony Financial (SYF) Presents at Morgan Stanley US Financials, Payments & CRE Conference 2025 Transcript
SYF
Published: June 10, 2025 by: Seeking Alpha
Sentiment: Neutral

Synchrony Financial (NYSE:SYF ) Morgan Stanley US Financials, Payments & CRE Conference 2025 June 10, 2025 8:15 AM ET Company Participants Brian J. Wenzel - Executive VP & CFO Conference Call Participants Jeffrey David Adelson - Morgan Stanley, Research Division Jeffrey David Adelson All right, everybody.

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image for news Synchrony Financial (SYF) Presents at Morgan Stanley US Financials, Payments & CRE Conference 2025 Transcript
Synchrony Expands Credit Reach With New PayPal Credit Card
SYF
Published: June 04, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF teams up with PayPal to launch a physical credit card, expanding PayPal Credit access to in-store and travel purchases.

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image for news Synchrony Expands Credit Reach With New PayPal Credit Card
Synchrony to Participate in the Morgan Stanley US Financials Conference
SYF
Published: June 03, 2025 by: PRNewsWire
Sentiment: Neutral

STAMFORD, Conn. , June 3, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.

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image for news Synchrony to Participate in the Morgan Stanley US Financials Conference
New Synchrony Study Finds Nearly 8 out of 10 Pet Owners Underestimate the Cost of Care, Reaching Up to $61,000 During a Pet's Lifetime
SYF
Published: June 02, 2025 by: PRNewsWire
Sentiment: Neutral

Lifetime of Care Costs Continue to Rise From 2022 Findings — Up More Than 10% For Dogs and Nearly 20% For Cats 2025 Study Adds Data on Small Companion Animals, Also Called "Pocket Pets" STAMFORD, Conn. , June 2, 2025 /PRNewswire/ -- Synchrony's (NYSE: SYF) new 2025 Pet Lifetime of Care Study reveals nearly 8 out of 10 pet owners underestimate the cost to care for their pet over a lifetime.

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image for news New Synchrony Study Finds Nearly 8 out of 10 Pet Owners Underestimate the Cost of Care, Reaching Up to $61,000 During a Pet's Lifetime
Synchrony & Jewelers Mutual Unite to Transform Jewelry Financing
SYF
Published: May 29, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF teams with Jewelers Mutual to blend financing and insurance, aiming to boost retail sales and simplify high-value jewelry purchases.

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image for news Synchrony & Jewelers Mutual Unite to Transform Jewelry Financing
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
SYF
Published: May 29, 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.

Read More
image for news Why Synchrony (SYF) is a Top Value Stock for the Long-Term
Synchrony Jumps 9% in a Month: Time to Hold or Book Profits?
SYF
Published: May 27, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF sees momentum from strong earnings, digital growth and a new $2.5B buyback fund, but rising costs and charge-offs raise investor caution.

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image for news Synchrony Jumps 9% in a Month: Time to Hold or Book Profits?

About Synchrony Financial (SYF)

  • IPO Date 2014-07-31
  • Website https://www.synchrony.com
  • Industry Financial - Credit Services
  • CEO Brian D. Doubles
  • Employees 20000

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.