Symbols / SYF $78.69 +1.37% Synchrony Financial

Financial Services • Credit Services • United States • NYQ
SYF Chart
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About

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Fundamentals
Scroll to Statements
Market Cap 27.35B Enterprise Value 24.44B Income 3.52B Sales 9.89B Book/sh 44.74 Cash/sh 59.15
Dividend Yield 1.52% Payout 12.42% Employees 20000 IPO — P/E 8.15 Forward P/E 7.54
PEG 3.91 P/S 2.77 P/B 1.76 P/C — EV/EBITDA — EV/Sales 2.47
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 9.66 EPS next Y 10.44
EPS Growth 22.60% Revenue Growth 6.10% Earnings 2026-07-21 ROA 2.96% ROE 21.78% ROIC —
Gross Margin 0.00% Oper. Margin 44.31% Profit Margin 36.39% Shs Outstand 336.80M Shs Float 345.34M Short Float 6.09%
Short Ratio 3.66 Short Interest — 52W High 88.77 52W Low 49.50 Beta — Avg Volume 4.55M
Volume 5.15M Target Price $85.30 Recom Buy Prev Close $77.63 Price $78.69 Change 1.37%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$85.30
Mean price target
2. Current target
$78.69
Latest analyst target
3. DCF / Fair value
$144.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$78.69
Low
$71.00
High
$103.00
Mean
$85.30

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-22 main Barclays Overweight → Overweight $93
2026-04-22 main Baird Outperform → Outperform $86
2026-04-22 down BTIG Buy → Neutral —
2026-04-09 main JP Morgan Neutral → Neutral $73
2026-04-09 main Wells Fargo Overweight → Overweight $95
2026-04-06 main Evercore ISI Group Outperform → Outperform $80
2026-04-06 main Barclays Overweight → Overweight $82
2026-03-23 main Truist Securities Hold → Hold $71
2026-03-11 reit BTIG Buy → Buy $96
2026-02-13 up Baird Neutral → Outperform $83
2026-01-29 main Truist Securities Hold → Hold $84
2026-01-28 main JP Morgan Neutral → Neutral $84
2026-01-28 main RBC Capital Sector Perform → Sector Perform $85
2026-01-28 main Barclays Overweight → Overweight $93
2026-01-28 main BTIG Buy → Buy $96
2026-01-12 main JP Morgan Neutral → Neutral $86
2026-01-08 main TD Cowen Buy → Buy $100
2026-01-06 main Barclays Overweight → Overweight $101
2026-01-05 main Wells Fargo Overweight → Overweight $100
2026-01-02 main Keefe, Bruyette & Woods Outperform → Outperform $98
News
RSS: Latest SYF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 COVIELLO ARTHUR W JR Director — 883 $68.02 $60,062
2026-03-31 GUTHRIE ROY A Director — 883 $68.02 $60,062
2026-03-31 ELLINGER DEBORAH G. Director — 883 $68.02 $60,062
2026-03-31 ZANE ELLEN M Director — 883 $68.02 $60,062
2026-03-31 NAYLOR JEFFREY G Director — 1,343 $68.02 $91,351
2026-03-31 ALVES PAGET LEONARD Director — 883 $68.02 $60,062
2026-03-31 AGUIRRE FERNANDO Director — 883 $68.02 $60,062
2026-03-31 PARKER PAUL W Director — 883 $68.02 $60,062
2026-03-31 COLAO DANIEL O Director — 883 $68.02 $60,062
2026-03-31 RICHIE LAUREL J Director — 883 $68.02 $60,062
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
14,981.00
-7.09%
16,125.00
+18.33%
13,627.00
+16.73%
11,674.00
Operating Revenue
14,981.00
-7.09%
16,125.00
+18.33%
13,627.00
+16.73%
11,674.00
Selling General And Administration
2,604.00
+8.68%
2,396.00
-0.62%
2,411.00
+11.21%
2,168.00
Selling And Marketing Expense
511.00
-2.48%
524.00
-0.57%
527.00
+8.21%
487.00
General And Administrative Expense
2,093.00
+11.81%
1,872.00
-0.64%
1,884.00
+12.08%
1,681.00
Salaries And Wages
2,093.00
+11.81%
1,872.00
-0.64%
1,884.00
+12.08%
1,681.00
Reconciled Depreciation
514.00
+6.86%
481.00
+5.02%
458.00
+9.31%
419.00
Total Unusual Items
—
-43.00
+0.00%
-43.00
—
Total Unusual Items Excluding Goodwill
—
-43.00
+0.00%
-43.00
—
Special Income Charges
—
-43.00
+0.00%
-43.00
—
Restructuring And Mergern Acquisition
—
43.00
+0.00%
43.00
—
Net Income
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Pretax Income
4,621.00
+1.49%
4,553.00
+56.78%
2,904.00
-26.70%
3,962.00
Net Interest Income
18,466.00
+2.53%
18,011.00
+5.95%
16,999.00
+8.79%
15,625.00
Interest Expense
4,135.00
-10.77%
4,634.00
+24.87%
3,711.00
+143.98%
1,521.00
Interest Income
22,601.00
-0.19%
22,645.00
+9.34%
20,710.00
+20.79%
17,146.00
Tax Provision
1,069.00
+1.42%
1,054.00
+58.26%
666.00
-29.60%
946.00
Tax Rate For Calcs
0.00
-0.07%
0.00
+1.09%
0.00
-4.18%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Net Income From Continuing Operation Net Minority Interest
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Net Income From Continuing And Discontinued Operation
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Net Income Continuous Operations
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Normalized Income
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Net Income Common Stockholders
3,469.00
+1.23%
3,427.00
+56.06%
2,196.00
-26.16%
2,974.00
Diluted EPS
9.28
+8.54%
8.55
+64.74%
5.19
-15.61%
6.15
Basic EPS
9.38
+8.56%
8.64
+65.83%
5.21
-15.83%
6.19
Basic Average Shares
369.90
-6.71%
396.50
-5.86%
421.20
-12.32%
480.40
Diluted Average Shares
373.90
-6.67%
400.60
-5.41%
423.50
-12.39%
483.40
Diluted NI Availto Com Stockholders
3,469.00
+1.23%
3,427.00
+56.06%
2,196.00
-26.16%
2,974.00
Other Non Interest Expense
1,595.00
+5.84%
1,507.00
+0.13%
1,505.00
+12.57%
1,337.00
Preferred Stock Dividends
83.00
+15.28%
72.00
+71.43%
42.00
+0.00%
42.00
Professional Expense And Contract Services Expense
936.00
+0.00%
936.00
+11.16%
842.00
+1.20%
832.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
119,095.00
-0.31%
119,463.00
+1.69%
117,479.00
+12.35%
104,564.00
Cash And Cash Equivalents
14,973.00
+1.78%
14,711.00
+3.17%
14,259.00
+38.52%
10,294.00
Other Short Term Investments
2,348.00
-23.74%
3,079.00
-18.95%
3,799.00
-22.14%
4,879.00
Goodwill And Other Intangible Assets
2,618.00
+23.03%
2,128.00
+16.09%
1,833.00
-0.76%
1,847.00
Goodwill
1,363.00
+6.99%
1,274.00
+25.15%
1,018.00
-7.87%
1,105.00
Other Intangible Assets
1,255.00
+46.96%
854.00
+4.79%
815.00
+9.84%
742.00
Investments And Advances
2,348.00
-23.74%
3,079.00
-18.95%
3,799.00
-22.14%
4,879.00
Total Liabilities Net Minority Interest
102,329.00
-0.54%
102,883.00
-0.67%
103,576.00
+12.96%
91,691.00
Payables And Accrued Expenses
—
—
—
5,765.00
Current Accrued Expenses
—
—
—
5,765.00
Long Term Debt And Capital Lease Obligation
15,182.00
-1.81%
15,462.00
-3.25%
15,982.00
+12.62%
14,191.00
Long Term Debt
15,182.00
-1.81%
15,462.00
-3.25%
15,982.00
+12.62%
14,191.00
Stockholders Equity
16,766.00
+1.12%
16,580.00
+19.25%
13,903.00
+8.00%
12,873.00
Common Stock Equity
15,544.00
+1.21%
15,358.00
+16.62%
13,169.00
+8.49%
12,139.00
Capital Stock
1,223.00
+0.00%
1,223.00
+66.39%
735.00
+0.00%
735.00
Common Stock
1.00
+0.00%
1.00
+0.00%
1.00
+0.00%
1.00
Preferred Stock
1,222.00
+0.00%
1,222.00
+66.49%
734.00
+0.00%
734.00
Share Issued
834.40
+0.05%
833.98
+0.00%
833.98
+0.00%
833.98
Ordinary Shares Number
347.40
-10.52%
388.26
-4.58%
406.88
-7.15%
438.22
Treasury Shares Number
487.00
+9.26%
445.72
+4.36%
427.11
+7.92%
395.77
Additional Paid In Capital
9,902.00
+0.50%
9,853.00
+0.80%
9,775.00
+0.59%
9,718.00
Retained Earnings
24,598.00
+13.70%
21,635.00
+15.93%
18,662.00
+11.64%
16,716.00
Gains Losses Not Affecting Retained Earnings
-48.00
+18.64%
-59.00
+13.24%
-68.00
+45.60%
-125.00
Treasury Stock
18,909.00
+17.65%
16,072.00
+5.73%
15,201.00
+7.27%
14,171.00
Total Equity Gross Minority Interest
16,766.00
+1.12%
16,580.00
+19.25%
13,903.00
+8.00%
12,873.00
Total Capitalization
31,948.00
-0.29%
32,042.00
+7.22%
29,885.00
+10.42%
27,064.00
Invested Capital
30,726.00
-0.30%
30,820.00
+5.73%
29,151.00
+10.71%
26,330.00
Total Debt
15,182.00
-1.81%
15,462.00
-3.25%
15,982.00
+12.62%
14,191.00
Net Debt
209.00
-72.17%
751.00
-56.41%
1,723.00
-55.79%
3,897.00
Net Tangible Assets
14,148.00
-2.10%
14,452.00
+19.73%
12,070.00
+9.47%
11,026.00
Tangible Book Value
12,926.00
-2.30%
13,230.00
+16.71%
11,336.00
+10.14%
10,292.00
Cash Cash Equivalents And Federal Funds Sold
14,973.00
+1.78%
14,711.00
+3.17%
14,259.00
+38.52%
10,294.00
Foreign Currency Translation Adjustments
-50.00
-13.64%
-44.00
-15.79%
-38.00
+0.00%
-38.00
Minimum Pension Liabilities
8.00
+0.00%
8.00
+166.67%
3.00
-50.00%
6.00
Preferred Shares Number
50.00
+66.67%
30.00
+0.00%
30.00
+0.00%
30.00
Preferred Stock Equity
1,222.00
+0.00%
1,222.00
+66.49%
734.00
+0.00%
734.00
Unrealized Gain Loss
-6.00
+73.91%
-23.00
+30.30%
-33.00
+64.52%
-93.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
9,851.00
+0.03%
9,848.00
+14.60%
8,593.00
+28.37%
6,694.00
Cash Flow From Continuing Operating Activities
9,851.00
+0.03%
9,848.00
+14.60%
8,593.00
+28.37%
6,694.00
Net Income From Continuing Operations
3,552.00
+1.51%
3,499.00
+56.34%
2,238.00
-25.80%
3,016.00
Depreciation Amortization Depletion
514.00
+6.86%
481.00
+5.02%
458.00
+9.31%
419.00
Depreciation And Amortization
514.00
+6.86%
481.00
+5.02%
458.00
+9.31%
419.00
Other Non Cash Items
537.00
+5.92%
507.00
-31.02%
735.00
+28.05%
574.00
Deferred Tax
184.00
+287.76%
-98.00
+78.60%
-458.00
-8.79%
-421.00
Deferred Income Tax
184.00
+287.76%
-98.00
+78.60%
-458.00
-8.79%
-421.00
Operating Gains Losses
—
-1,069.00
—
—
Change In Working Capital
-161.00
+21.46%
-205.00
+40.58%
-345.00
-28.25%
-269.00
Change In Receivables
-598.00
-1912.12%
33.00
+105.12%
-645.00
-227.41%
-197.00
Changes In Account Receivables
-598.00
-1912.12%
33.00
+105.12%
-645.00
-227.41%
-197.00
Change In Payables And Accrued Expense
314.00
+359.50%
-121.00
-141.30%
293.00
+415.05%
-93.00
Change In Accrued Expense
314.00
+359.50%
-121.00
-141.30%
293.00
+415.05%
-93.00
Change In Other Current Assets
123.00
+205.13%
-117.00
-1771.43%
7.00
-66.67%
21.00
Investing Cash Flow
-4,854.00
+45.48%
-8,903.00
+37.45%
-14,234.00
-39.09%
-10,234.00
Cash Flow From Continuing Investing Activities
-4,854.00
+45.48%
-8,903.00
+37.45%
-14,234.00
-39.09%
-10,234.00
Net Investment Purchase And Sale
765.00
-4.97%
805.00
-42.00%
1,388.00
+1076.27%
118.00
Purchase Of Investment
-1,187.00
+57.77%
-2,811.00
+22.41%
-3,623.00
+6.29%
-3,866.00
Sale Of Investment
1,952.00
-46.02%
3,616.00
-27.84%
5,011.00
+25.78%
3,984.00
Net Business Purchase And Sale
-161.00
+88.85%
-1,444.00
0.00
0.00
Purchase Of Business
-161.00
+91.68%
-1,935.00
0.00
0.00
Gain Loss On Sale Of Business
0.00
+100.00%
-1,069.00
0.00
0.00
Net Other Investing Changes
-852.00
-23.84%
-688.00
+4.71%
-722.00
-31.51%
-549.00
Financing Cash Flow
-4,735.00
-674.96%
-611.00
-106.34%
9,632.00
+82.29%
5,284.00
Cash Flow From Continuing Financing Activities
-4,735.00
-674.96%
-611.00
-106.34%
9,632.00
+82.29%
5,284.00
Net Issuance Payments Of Debt
-295.00
+44.96%
-536.00
-130.16%
1,777.00
+640.12%
-329.00
Issuance Of Debt
4,030.00
+65.23%
2,439.00
-19.61%
3,034.00
-38.77%
4,955.00
Repayment Of Debt
-4,325.00
-45.38%
-2,975.00
-136.67%
-1,257.00
+76.21%
-5,284.00
Long Term Debt Issuance
4,030.00
+65.23%
2,439.00
-19.61%
3,034.00
-38.77%
4,955.00
Long Term Debt Payments
-4,325.00
-45.38%
-2,975.00
-136.67%
-1,257.00
+76.21%
-5,284.00
Net Long Term Debt Issuance
-295.00
+44.96%
-536.00
-130.16%
1,777.00
+640.12%
-329.00
Net Common Stock Issuance
-2,941.00
-191.77%
-1,008.00
+9.35%
-1,112.00
+66.51%
-3,320.00
Common Stock Payments
-2,941.00
-191.77%
-1,008.00
+9.35%
-1,112.00
+66.51%
-3,320.00
Common Stock Dividend Paid
-427.00
-7.29%
-398.00
+1.97%
-406.00
+6.45%
-434.00
Cash Dividends Paid
-510.00
-8.51%
-470.00
-4.91%
-448.00
+5.88%
-476.00
Repurchase Of Capital Stock
-2,941.00
-191.77%
-1,008.00
+9.35%
-1,112.00
+66.51%
-3,320.00
Net Other Financing Charges
-63.00
-275.00%
36.00
+263.64%
-22.00
+50.00%
-44.00
Changes In Cash
262.00
-21.56%
334.00
-91.63%
3,991.00
+128.84%
1,744.00
Beginning Cash Position
14,755.00
+2.32%
14,421.00
+38.26%
10,430.00
+20.08%
8,686.00
End Cash Position
15,017.00
+1.78%
14,755.00
+2.32%
14,421.00
+38.26%
10,430.00
Free Cash Flow
9,851.00
+0.03%
9,848.00
+14.60%
8,593.00
+28.37%
6,694.00
Interest Paid Supplemental Data
4,162.00
-10.73%
4,662.00
+31.29%
3,551.00
+161.87%
1,356.00
Income Tax Paid Supplemental Data
—
1,087.00
-3.38%
1,125.00
-12.79%
1,290.00
Issuance Of Capital Stock
0.00
-100.00%
488.00
0.00
0.00
Net Preferred Stock Issuance
0.00
-100.00%
488.00
0.00
0.00
Preferred Stock Dividend Paid
-83.00
-15.28%
-72.00
-71.43%
-42.00
+0.00%
-42.00
Preferred Stock Issuance
0.00
-100.00%
488.00
0.00
0.00
Sale Of Business
0.00
-100.00%
491.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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