Synchrony Financial
SYF | NYSE
$76.12
+$0.77 (+1.02%)
Nov 2, 2026, 10:58 AM ET · Market open
Market Data
Market Cap $24.77B
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 6.1%
Price Change 3M -2.2%
Price Change 6M 2.5%
Price Change YTD -8.8%
Price Change 1Y 2.9%
Price Change 3Y 152.5%
Price Change 5Y 57.9%
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
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