Synchrony Financial

SYF | NYSE

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$76.39

+$1.04 (+1.38%)

Nov 2, 2026, 9:32 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

+1.38%

(1D)

No price chart data available for 1D timeframe.

Rating

Updated: Nov 2, 2026

54.5

-4.2 pts

Fundamentals Average

Market Sentiment Bullish

Moat Narrow

Sector Rank #630/1279 (Top 49%)

Full Analysis

Key Statistics

Market Data

Market Cap $24.86B

1D Range

76.02 76.61

52W Range

63.78 88.47

Valuation (TTM)

PE 7.87

PB 1.48

EV/EBITDA 5.35

Valuation (NTM)

Forward PE 6.43

Forward PEG 4.15

Price Target $88.79

Cash Flow

FCF Yield 39.0%

SBC Adj. FCF Yield 39.0%

SBC Impact N/A

Margins

Gross Margin 51.7%

Operating Margin 23.1%

FCF Margin 50.5%

Growth (CAGR)

Revenue 3Y | 5Y 5.1% | 10.9%

Dil EPS 3Y | 5Y 21.0% | 6.2%

FCF 3Y | 5Y 5.6% | 5.9%

Returns

ROA 2.7%

ROE 20.0%

ROIC 2.7%

Financial Health

Net Debt

$1.12B

Current Ratio 0.00

Interest Coverage 1.12

Dividends

Div Yield 1.65%

Payout Ratio 12.9%

FCF Payout Ratio 4.7%

All Key Statistics

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Profile

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit pr...

Sector Financial Services

Industry Financial - Credit Services

Employees 20,000

IPO Date Jul 31, 2014

Website www.synchrony.com

Fiscal Year January - December

Full Company Profile

Latest News

3 days ago · seekingalpha.com

I Am Buying The Historic Discount In These Preferred Stocks; Yields 8%

Predicting interest rates is a futile exercise. I prefer getting paid to wait. I am accumulating fundamentally sound preferred securities at deep discounts, locking in substantial yields. We discuss two preferred picks that provide high, stable income and potential capital appreciation as market conditions evolve, making them compelling income investments.

9 days ago · seekingalpha.com

Macro Concerns Grow, But Synchrony's Earnings Remain Resilient

Synchrony Financial maintains a Buy rating, supported by strong capital returns and sector-beating or in-line valuation multiples. SYF has executed aggressive share buybacks, reducing outstanding shares by over 20% in two years and returning significant capital to shareholders. Despite modest net income growth, EPS continues to rise due to buybacks, with a forward GAAP P/E of 7.83 versus the sector median of 11.56.

10 days ago · zacks.com

Why Synchrony (SYF) is a Top Value Stock for the Long-Term

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.

11 days ago · zacks.com

Synchrony (SYF) Upgraded to Buy: What Does It Mean for the Stock?

Synchrony (SYF) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

11 days ago · zacks.com

SYF or FUTU: Which Is the Better Value Stock Right Now?

Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Synchrony (SYF) and Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks is more attractive to value investors?

11 days ago · zacks.com

Should Value Investors Buy Synchrony Financial (SYF) Stock?

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.

12 days ago · marketbeat.com

Synchrony Aces The Quarter As Credit Fears Fade

Wall Street priced Synchrony Financial NYSE: SYF for a retail credit fracture that failed to materialize in the third quarter. Heading into late 2026, the popular bearish story was that households were strained by prolonged inflation and high interest rates.

12 days ago · prnewswire.com

CareCredit Introduces CareCredit Pay Later, Offering Consumers Another Way to Plan and Pay for Health and Wellness Care

CareCredit Pay Later is CareCredit's enhanced installment loan product that will be presented digitally with CareCredit's revolving credit card to give consumers additional payment options and simplified offer comparisons. Key Highlights: Supporting providers and consumer choice: Offering more payment choices can help providers meet different consumer preferences, while CareCredit manages administrative and billing workflows.