Synchrony Financial
SYF-PA | NYSE
$17.64
+$0.16 (+0.92%)
Nov 2, 2026, 10:10 AM ET · Market open
Market Data
Market Cap $24.1B
Enterprise Value $24.94B
Beta 1.31
Average Volume 69.77K
Shares Outstanding (Diluted) 322.4M
Shares Change YoY -15.02%
Institutional Ownership N/A
Exchange NYSE
ISIN US87165B2025
Price Performance
Price Change 1M -2.6%
Price Change 3M -9.4%
Price Change 6M -13.7%
Price Change YTD -9.9%
Price Change 1Y -11.4%
Price Change 3Y 10.9%
Price Change 5Y -34.1%
1M CAGR (ann.) -5.0%
1Y CAGR (ann.) -7.4%
5Y CAGR (ann.) -1.4%
All-Time CAGR 1.5%
Valuation
PE Ratio 1.82
Forward PE 6.11
PEG Ratio 1.63
Forward PEG 4.15
PS Ratio 1.26
Forward PS 1.50
PB Ratio 1.44
P/FCF Ratio 2.49
P/Adj. FCF Ratio 2.49
P/OCF Ratio 0.58
EV/Sales 1.32
EV/EBIT 5.71
EV/EBITDA 5.20
EV/FCF 2.61
Earnings Yield 55.0%
FCF Yield 40.1%
Adj. FCF Yield 40.1%
Financial Health
Net Debt $1.12B
Total Debt $17.03B
Cash & Short-Term Investments $15.9B
Total Assets $122.47B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 1.03
Debt / EBITDA 3.55
Debt / FCF 1.78
OCF / Debt 0.56
Interest Coverage 1.12
Altman Z-Score 0.87
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 51.7%
Operating Profit Margin 23.1%
EBITDA Margin 25.3%
Net Profit Margin 17.6%
FCF Margin 50.5%
Adj. FCF Margin 50.5%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 2.7%
Return on Equity 20.0%
Return on Invested Capital 2.7%
Return on Capital Employed 3.6%
Return on Tangible Assets 2.8%
Historical Growth (CAGR)
Revenue CAGR 3Y 5.1%
Revenue CAGR 5Y 10.9%
Revenue CAGR 10Y 4.8%
EPS CAGR 3Y 21.0%
EPS CAGR 5Y 6.2%
EPS CAGR 10Y 13.7%
FCF CAGR 3Y 5.6%
FCF CAGR 5Y 5.9%
FCF CAGR 10Y 3.6%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y 9.4%
Revenue Growth Next 3Y -3.7%
Earnings Date Jan 22, 2027
EPS Estimate (next Q) $1.97
EPS Growth Est (next Q) -3.4%
Revenue Est (next Q) $3.9B
Revenue Growth Est (next Q) 2.8%
Fair Value Estimates
Graham Number $105.75
Graham Upside 506.7%
Lynch Fair Value $59.40
Lynch Upside 240.8%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $9.56B
Free Cash Flow $9.56B
Adj. Free Cash Flow $9.56B
FCF Per Share $29.95
OCF Per Share $29.95
OCF/S Ratio 50.5%
Income Statement
Revenue $18.92B
Gross Profit $9.78B
Operating Income $4.37B
EBITDA $4.79B
Net Income $3.33B
EPS (Diluted) $9.58
Revenue / Employee $946.1K
Profit / Employee $166.65K
Employees 20,000
Dividends
Annual Dividend $1.41
Dividend Yield 8.09%
Payout Ratio 14.7%
FCF Payout Ratio 4.7%
Adj. FCF Payout Ratio 4.7%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Nov 5, 2026
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