Synchrony Financial

SYF | NYSE

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$75.37

-$1.60 (-2.08%)

At close: Oct 30, 2026, 3:59 PM ET

$75.35

-$0.02 (-0.03%)

After-hours: Oct 30, 2026, 6:20 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $24.52B

Enterprise Value $25.65B

Beta 1.34

Average Volume 3.4M

Shares Outstanding (Diluted) 322.4M

Shares Change YoY -15.02%

Institutional Ownership N/A

Exchange NYSE

ISIN US87165B1035

Price Performance

Price Change 1M 6.2%

Price Change 3M -0.6%

Price Change 6M -0.5%

Price Change YTD -9.7%

Price Change 1Y 1.3%

Price Change 3Y 168.7%

Price Change 5Y 62.3%

1M CAGR (ann.) 0.4%

1Y CAGR (ann.) 4.7%

5Y CAGR (ann.) 11.3%

All-Time CAGR 12.8%

Valuation

PE Ratio 7.87

Forward PE 6.43

PEG Ratio 1.63

Forward PEG 4.15

PS Ratio 1.30

Forward PS 1.50

PB Ratio 1.48

P/FCF Ratio 2.57

P/Adj. FCF Ratio 2.57

P/OCF Ratio 2.52

EV/Sales 1.36

EV/EBIT 5.87

EV/EBITDA 5.35

EV/FCF 2.68

Earnings Yield 12.7%

FCF Yield 39.0%

Adj. FCF Yield 39.0%

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 Buy

Analyst Count 14

EPS Growth Next 3Y 9.4%

Revenue Growth Next 3Y -3.7%

Earnings Date Jan 26, 2027

EPS Estimate (next Q) $2.00

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 40.3%

Lynch Fair Value $59.40

Lynch Upside -21.2%

Price Target $88.79

Price Target Upside 17.8%

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 $1.24

Dividend Yield 1.65%

Payout Ratio 12.9%

FCF Payout Ratio 4.7%

Adj. FCF Payout Ratio 4.7%

Dividend Growth (YoY) 12.7%

Pay Frequency Quarterly

Ex-Dividend Date Nov 5, 2026