Synchrony Financial (SYF)

US — Financial Services Sector
Peers: IX  MTB  KB  TFC  MS  FITB  SHG  BBDO  WRB 

Automate Your Wheel Strategy on SYF

With Tiblio's Option Bot, you can configure your own wheel strategy including SYF - and automate your put writes, covered calls, and full wheel strategy. Just connect one of the supported brokerages: tastytrade, Schwab, TradeStation or Tradier and go.

Start Your Free Trial Now

Key Metrics & Ratings

  • symbol SYF
  • Rev/Share 53.4201
  • Book/Share 46.8529
  • PB 1.566
  • Debt/Equity 0.9055
  • CurrentRatio 0.2135
  • ROIC 0.0936

 

  • MktCap 26425755515.0
  • FreeCF/Share 27.5288
  • PFCF 2.6825
  • PE 7.3916
  • Debt/Assets 0.1275
  • DivYield 0.0164
  • 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 Robert W. Baird Neutral Outperform -- $83 Feb. 13, 2026
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

News

Synchrony Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
SYF
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.

Read More
image for news Synchrony Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
Here's Why Synchrony (SYF) is a Strong Value Stock
SYF
Published: October 13, 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 Here's Why Synchrony (SYF) is a Strong Value Stock
Can Synchrony Beat Q3 Earnings Estimates on Improving Margins?
SYF
Published: October 10, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF's Q3 results will likely benefit from wider margins and lower charge-offs, boosting chances of another earnings beat.

Read More
image for news Can Synchrony Beat Q3 Earnings Estimates on Improving Margins?
Gear Up for Synchrony (SYF) Q3 Earnings: Wall Street Estimates for Key Metrics
SYF
Published: October 10, 2025 by: Zacks Investment Research
Sentiment: Positive

Besides Wall Street's top-and-bottom-line estimates for Synchrony (SYF), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended September 2025.

Read More
image for news Gear Up for Synchrony (SYF) Q3 Earnings: Wall Street Estimates for Key Metrics
Synchrony (SYF) Earnings Expected to Grow: Should You Buy?
SYF
Published: October 08, 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.

Read More
image for news Synchrony (SYF) Earnings Expected to Grow: Should You Buy?
Synchrony Financial: Even After The Recent Gain, I Still See Value In This Stock
SYF
Published: October 03, 2025 by: Seeking Alpha
Sentiment: Positive

Synchrony Financial is rated a buy due to stable asset quality, NIM expansion potential, and attractive valuation despite recent stock gains. SYF benefits from proactive pricing changes and improved credit quality, with sustainable additional income and lower delinquency ratios supporting a positive outlook. Growth has lagged due to high-interest rates and tighter lending, but partnerships with Amazon Pay, PayPal, and Walmart/OnePay could drive future digital growth.

Read More
image for news Synchrony Financial: Even After The Recent Gain, I Still See Value In This Stock
Why Synchrony (SYF) is a Top Value Stock for the Long-Term
SYF
Published: September 25, 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
New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly
SNCY, SYF
Published: September 23, 2025 by: PRNewsWire
Sentiment: Neutral

New "Plus Status" Offering Allows Travelers to Earn Additional Benefits for Flights and Everyday Purchases STAMFORD, Conn. and MINNEAPOLIS , Sept.

Read More
image for news New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly
Synchrony Teams Up With Audibel to Expand Financing for Hearing Care
SYF
Published: September 18, 2025 by: Zacks Investment Research
Sentiment: Positive

SYF partners with Audibel to expand CareCredit and installment financing for hearing care across 1,000+ locations.

Read More
image for news Synchrony Teams Up With Audibel to Expand Financing for Hearing Care
Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care
SYF
Published: September 17, 2025 by: PRNewsWire
Sentiment: Neutral

STAMFORD, Conn. , Sept. 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company announces a new partnership with Audibel to offer Synchrony's CareCredit credit card and installment loan solutions online and at Audibel's retail locations as their first-look financing option.

Read More
image for news Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care
Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025
SYF
Published: September 17, 2025 by: PRNewsWire
Sentiment: Neutral

STAMFORD, Conn., Sept. 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2025 results on Wednesday, October 15, 2025.

Read More
image for news Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025
SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE
SYF
Published: September 17, 2025 by: PRNewsWire
Sentiment: Neutral

New Synchrony survey shows more than 80% of teachers say financial education is essential for their students' success, but 2 in 3 teachers report struggling with student engagement and a lack of relevant lessons to teach effectively STAMFORD, Conn. , Sept. 17, 2025 /PRNewswire/ -- Synchrony (NYSE: SYF), a leading consumer financing company at the heart of American commerce and opportunity, today announced it will provide $1 million over two years to nonprofit organizations that help K-12 public educators teach personal finance classes in the United States.

Read More
image for news SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE
SYF vs. BX: Which Stock Should Value Investors Buy Now?
BX, SYF
Published: September 12, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Synchrony (SYF) and Blackstone Inc. (BX). But which of these two stocks is more attractive to value investors?

Read More
image for news SYF vs. BX: Which Stock Should Value Investors Buy Now?
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
image for news Synchrony Partners With Sploot to Make Pet Healthcare More Affordable

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.