SYF
Synchrony Financial
Price Chart
Latest Quote
$73.62
-0.66 (-0.89%)
Current Price
| Previous Close | $74.28 |
| Open | $72.85 |
| Day High | $74.04 |
| Day Low | $71.98 |
| Volume | 2,375,776 |
Stock Information
| Quarterly Dividend / Yield | $1.20 / 1.62% |
| Shares Outstanding | 336.37M |
| Quarterly Dividend Yield | 1.62% |
| Quarterly Dividend | $1.20 |
| Total Debt | $16.43B |
| Cash Equivalents | $20.56B |
| Revenue | $9.89B |
| Net Income | $3.52B |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $24.76B |
| P/E Ratio | 7.69 |
| EPS (TTM) | $9.57 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $21.90B |
| Sales | $9.89B |
| Income | $3.52B |
| Book/sh | $45.27 |
| Cash/sh | $61.12 |
| Employees | 20K |
Financial Ratios
| EPS Growth TTM | 6.30% |
Returns & Margins
| ROA | 2.96% |
| ROE | 21.78% |
| Operating Margin | 48.03% |
| Profit Margin | 36.39% |
Ownership
| Insider Ownership | 0.34% |
| Institutional Ownership | 107.83% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.99 |
| PEG | 0.94 |
| P/S | 2.50 |
| P/B | 1.63 |
Analyst Data
| Recommendation | buy |
| Target Price | $89.83 |
Technical Indicators
| SMA20 | $75.04 |
| SMA50 | $73.08 |
| SMA200 | $73.79 |
| RSI | 37.37 |
| ATR | 2.3271 |
| Shares Float | 334.84M |
| Short Float | 7.10% |
| Short Ratio | 5.15 |
| Volatility | 1.31 |
| Rel Volume | 0.77 |
Performance History
| Week | +1.63% |
| Month | -2.22% |
| Quarter | -1.66% |
| 6 Months | -4.63% |
| YTD | -12.32% |
| Year | +8.01% |
| 3 Years | +125.07% |
| 5 Years | +68.89% |
| 10 Years | +228.78% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $73.62 | 2,937,800 |
| 2026-07-16 | $74.28 | 2,720,700 |
| 2026-07-15 | $74.04 | 2,450,800 |
| 2026-07-14 | $73.68 | 2,814,000 |
| 2026-07-13 | $73.21 | 5,135,100 |
| 2026-07-10 | $72.44 | 2,903,800 |
| 2026-07-09 | $71.57 | 5,242,200 |
| 2026-07-08 | $68.26 | 9,428,800 |
| 2026-07-07 | $75.52 | 2,704,100 |
| 2026-07-06 | $77.05 | 2,158,200 |
| 2026-07-02 | $76.33 | 2,464,800 |
| 2026-07-01 | $76.77 | 3,534,000 |
| 2026-06-30 | $76.05 | 3,497,800 |
| 2026-06-29 | $78.37 | 2,720,600 |
| 2026-06-26 | $78.66 | 4,967,800 |
| 2026-06-25 | $78.52 | 3,635,000 |
| 2026-06-24 | $76.32 | 2,520,400 |
| 2026-06-23 | $75.04 | 3,766,500 |
| 2026-06-22 | $75.71 | 2,589,800 |
| 2026-06-18 | $75.26 | 8,466,700 |
About Synchrony Financial
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.
đ° Latest News
Will Higher Purchase Volumes Fuel Synchrony's Q2 Earnings Beat?
Zacks âĸ 2026-07-16T14:36:00Z
Countdown to Synchrony (SYF) Q2 Earnings: A Look at Estimates Beyond Revenue and EPS
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Zacks âĸ 2026-07-15T14:00:11Z
Synchrony (SYF) Expected to Beat Earnings Estimates: Should You Buy?
Zacks âĸ 2026-07-14T14:00:06Z
Synchrony (SYF) Announces Executive Leadership Changes to Accelerate Digital and AI Growth
Insider Monkey âĸ 2026-07-12T16:43:09Z
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Why Moderna Stock Is the S&P 500âs Big Loser Today
Barrons.com âĸ 2026-07-08T19:58:00Z
Synchrony's Credit Numbers Are Improving Even as Inflation Bites. Is the Everyday Consumer Tougher Than Feared?
Motley Fool âĸ 2026-07-04T02:35:00Z
Synchrony Financialâs Q2 2026 Earnings: What to Expect
Barchart âĸ 2026-07-03T14:51:27Z
2 Financials Stocks Worth Investigating and 1 We Ignore
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $14,981,000,000 | $15,056,000,000 | $13,627,000,000 | $11,674,000,000 |
| Operating Revenue | $14,981,000,000 | $15,056,000,000 | $13,627,000,000 | $11,674,000,000 |
| Expenses | ||||
| Interest Expense | $4,135,000,000 | $4,634,000,000 | $3,711,000,000 | $1,521,000,000 |
| Selling And Marketing Expense | $511,000,000 | $524,000,000 | $527,000,000 | $487,000,000 |
| General And Administrative Expense | $2,093,000,000 | $1,872,000,000 | $1,884,000,000 | $1,681,000,000 |
| Professional Expense And Contract Services Expense | $936,000,000 | $936,000,000 | $842,000,000 | $832,000,000 |
| Other Non Interest Expense | $1,595,000,000 | $1,507,000,000 | $1,505,000,000 | $1,337,000,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Net Interest Income | $18,466,000,000 | $18,011,000,000 | $16,999,000,000 | $15,625,000,000 |
| Interest Income | $22,601,000,000 | $22,645,000,000 | $20,710,000,000 | $17,146,000,000 |
| Normalized Income | $3,552,000,000 | $2,677,468,922 | $2,238,000,000 | $3,016,000,000 |
| Net Income From Continuing And Discontinued Operation | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Net Income Common Stockholders | $3,469,000,000 | $3,427,000,000 | $2,196,000,000 | $2,974,000,000 |
| Net Income | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Net Income Including Noncontrolling Interests | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Net Income Continuous Operations | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Pretax Income | $4,621,000,000 | $4,553,000,000 | $2,904,000,000 | $3,962,000,000 |
| Special Income Charges | $0 | $1,069,000,000 | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $9.28 | $8.55 | $5.19 | $6.15 |
| Basic EPS | $9.38 | $8.64 | $5.21 | $6.19 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $247,468,922 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $1,069,000,000 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $0 | $1,069,000,000 | $0 | $0 |
| Reconciled Depreciation | $514,000,000 | $481,000,000 | $458,000,000 | $419,000,000 |
| Diluted Average Shares | $373,900,000 | $400,600,000 | $423,500,000 | $483,400,000 |
| Basic Average Shares | $369,900,000 | $396,500,000 | $421,200,000 | $480,400,000 |
| Diluted NI Availto Com Stockholders | $3,469,000,000 | $3,427,000,000 | $2,196,000,000 | $2,974,000,000 |
| Preferred Stock Dividends | $83,000,000 | $72,000,000 | $42,000,000 | $42,000,000 |
| Tax Provision | $1,069,000,000 | $1,054,000,000 | $666,000,000 | $946,000,000 |
| Gain On Sale Of Business | $0 | $1,069,000,000 | $0 | $0 |
| Selling General And Administration | $2,604,000,000 | $2,396,000,000 | $2,411,000,000 | $2,168,000,000 |
| Salaries And Wages | $2,093,000,000 | $1,872,000,000 | $1,884,000,000 | $1,681,000,000 |
| Restructuring And Mergern Acquisition | - | $43,000,000 | $43,000,000 | - |
Fetched: 2026-07-08
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $14,148,000,000 | $14,452,000,000 | $12,070,000,000 | $11,026,000,000 |
| Total Assets | $119,095,000,000 | $119,463,000,000 | $117,479,000,000 | $104,564,000,000 |
| Goodwill And Other Intangible Assets | $2,618,000,000 | $2,128,000,000 | $1,833,000,000 | $1,847,000,000 |
| Other Intangible Assets | $1,255,000,000 | $854,000,000 | $815,000,000 | $742,000,000 |
| Cash And Cash Equivalents | $14,973,000,000 | $14,711,000,000 | $14,259,000,000 | $10,294,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $14,973,000,000 | $14,711,000,000 | $14,259,000,000 | $10,294,000,000 |
| Debt | ||||
| Net Debt | $209,000,000 | $751,000,000 | $1,723,000,000 | $3,897,000,000 |
| Total Debt | $15,182,000,000 | $15,462,000,000 | $15,982,000,000 | $14,191,000,000 |
| Long Term Debt And Capital Lease Obligation | $15,182,000,000 | $15,462,000,000 | $15,982,000,000 | $14,191,000,000 |
| Long Term Debt | $15,182,000,000 | $15,462,000,000 | $15,982,000,000 | $14,191,000,000 |
| Liabilities | ||||
| Minimum Pension Liabilities | $8,000,000 | $8,000,000 | $3,000,000 | $6,000,000 |
| Total Liabilities Net Minority Interest | $102,329,000,000 | $102,883,000,000 | $103,576,000,000 | $91,691,000,000 |
| Payables And Accrued Expenses | - | - | - | $5,765,000,000 |
| Equity | ||||
| Common Stock Equity | $15,544,000,000 | $15,358,000,000 | $13,169,000,000 | $12,139,000,000 |
| Preferred Stock Equity | $1,222,000,000 | $1,222,000,000 | $734,000,000 | $734,000,000 |
| Total Equity Gross Minority Interest | $16,766,000,000 | $16,580,000,000 | $13,903,000,000 | $12,873,000,000 |
| Stockholders Equity | $16,766,000,000 | $16,580,000,000 | $13,903,000,000 | $12,873,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-48,000,000 | $-59,000,000 | $-68,000,000 | $-125,000,000 |
| Retained Earnings | $24,598,000,000 | $21,635,000,000 | $18,662,000,000 | $16,716,000,000 |
| Other | ||||
| Treasury Shares Number | $487,000,000 | $445,723,607 | $427,108,909 | $395,767,929 |
| Preferred Shares Number | $50,000,000 | $30,000,000 | $30,000,000 | $30,000,000 |
| Ordinary Shares Number | $347,400,000 | $388,261,077 | $406,875,775 | $438,216,755 |
| Share Issued | $834,400,000 | $833,984,684 | $833,984,684 | $833,984,684 |
| Tangible Book Value | $12,926,000,000 | $13,230,000,000 | $11,336,000,000 | $10,292,000,000 |
| Invested Capital | $30,726,000,000 | $30,820,000,000 | $29,151,000,000 | $26,330,000,000 |
| Total Capitalization | $31,948,000,000 | $32,042,000,000 | $29,885,000,000 | $27,064,000,000 |
| Foreign Currency Translation Adjustments | $-50,000,000 | $-44,000,000 | $-38,000,000 | $-38,000,000 |
| Unrealized Gain Loss | $-6,000,000 | $-23,000,000 | $-33,000,000 | $-93,000,000 |
| Treasury Stock | $18,909,000,000 | $16,072,000,000 | $15,201,000,000 | $14,171,000,000 |
| Additional Paid In Capital | $9,902,000,000 | $9,853,000,000 | $9,775,000,000 | $9,718,000,000 |
| Capital Stock | $1,223,000,000 | $1,223,000,000 | $735,000,000 | $735,000,000 |
| Common Stock | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Preferred Stock | $1,222,000,000 | $1,222,000,000 | $734,000,000 | $734,000,000 |
| Investments And Advances | $2,348,000,000 | $3,079,000,000 | $3,799,000,000 | $4,879,000,000 |
| Goodwill | $1,363,000,000 | $1,274,000,000 | $1,018,000,000 | $1,105,000,000 |
| Other Short Term Investments | $2,348,000,000 | $3,079,000,000 | $3,799,000,000 | $4,879,000,000 |
| Current Accrued Expenses | - | - | - | $5,765,000,000 |
Fetched: 2026-07-08
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $9,851,000,000 | $9,848,000,000 | $8,593,000,000 | $6,694,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $9,851,000,000 | $9,848,000,000 | $8,593,000,000 | $6,694,000,000 |
| Cash Flow From Continuing Operating Activities | $9,851,000,000 | $9,848,000,000 | $8,593,000,000 | $6,694,000,000 |
| Operating Gains Losses | - | $-1,069,000,000 | - | - |
| Investing Activities | ||||
| Investing Cash Flow | $-4,854,000,000 | $-8,903,000,000 | $-14,234,000,000 | $-10,234,000,000 |
| Cash Flow From Continuing Investing Activities | $-4,854,000,000 | $-8,903,000,000 | $-14,234,000,000 | $-10,234,000,000 |
| Net Other Investing Changes | $-852,000,000 | $-688,000,000 | $-722,000,000 | $-549,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,941,000,000 | $-1,008,000,000 | $-1,112,000,000 | $-3,320,000,000 |
| Issuance Of Capital Stock | $0 | $488,000,000 | $0 | $0 |
| Financing Cash Flow | $-4,735,000,000 | $-611,000,000 | $9,632,000,000 | $5,284,000,000 |
| Cash Flow From Continuing Financing Activities | $-4,735,000,000 | $-611,000,000 | $9,632,000,000 | $5,284,000,000 |
| Net Other Financing Charges | $-63,000,000 | $36,000,000 | $-22,000,000 | $-44,000,000 |
| Cash Dividends Paid | $-510,000,000 | $-470,000,000 | $-448,000,000 | $-476,000,000 |
| Preferred Stock Dividend Paid | $-83,000,000 | $-72,000,000 | $-42,000,000 | $-42,000,000 |
| Common Stock Dividend Paid | $-427,000,000 | $-398,000,000 | $-406,000,000 | $-434,000,000 |
| Net Preferred Stock Issuance | $0 | $488,000,000 | $0 | $0 |
| Preferred Stock Issuance | $0 | $488,000,000 | $0 | $0 |
| Net Common Stock Issuance | $-2,941,000,000 | $-1,008,000,000 | $-1,112,000,000 | $-3,320,000,000 |
| Other | ||||
| Repayment Of Debt | $-4,325,000,000 | $-2,975,000,000 | $-1,257,000,000 | $-5,284,000,000 |
| Issuance Of Debt | $4,030,000,000 | $2,439,000,000 | $3,034,000,000 | $4,955,000,000 |
| Interest Paid Supplemental Data | $4,162,000,000 | $4,662,000,000 | $3,551,000,000 | $1,356,000,000 |
| End Cash Position | $15,017,000,000 | $14,755,000,000 | $14,421,000,000 | $10,430,000,000 |
| Beginning Cash Position | $14,755,000,000 | $14,421,000,000 | $10,430,000,000 | $8,686,000,000 |
| Changes In Cash | $262,000,000 | $334,000,000 | $3,991,000,000 | $1,744,000,000 |
| Common Stock Payments | $-2,941,000,000 | $-1,008,000,000 | $-1,112,000,000 | $-3,320,000,000 |
| Net Issuance Payments Of Debt | $-295,000,000 | $-536,000,000 | $1,777,000,000 | $-329,000,000 |
| Net Long Term Debt Issuance | $-295,000,000 | $-536,000,000 | $1,777,000,000 | $-329,000,000 |
| Long Term Debt Payments | $-4,325,000,000 | $-2,975,000,000 | $-1,257,000,000 | $-5,284,000,000 |
| Long Term Debt Issuance | $4,030,000,000 | $2,439,000,000 | $3,034,000,000 | $4,955,000,000 |
| Net Investment Purchase And Sale | $765,000,000 | $805,000,000 | $1,388,000,000 | $118,000,000 |
| Sale Of Investment | $1,952,000,000 | $3,616,000,000 | $5,011,000,000 | $3,984,000,000 |
| Purchase Of Investment | $-1,187,000,000 | $-2,811,000,000 | $-3,623,000,000 | $-3,866,000,000 |
| Net Business Purchase And Sale | $-161,000,000 | $-1,444,000,000 | $0 | $0 |
| Sale Of Business | $0 | $491,000,000 | $0 | $0 |
| Purchase Of Business | $-161,000,000 | $-1,935,000,000 | $0 | $0 |
| Change In Working Capital | $-161,000,000 | $-205,000,000 | $-345,000,000 | $-269,000,000 |
| Change In Other Current Assets | $123,000,000 | $-117,000,000 | $7,000,000 | $21,000,000 |
| Change In Payables And Accrued Expense | $314,000,000 | $-121,000,000 | $293,000,000 | $-93,000,000 |
| Change In Accrued Expense | $314,000,000 | $-121,000,000 | $293,000,000 | $-93,000,000 |
| Change In Receivables | $-598,000,000 | $33,000,000 | $-645,000,000 | $-197,000,000 |
| Changes In Account Receivables | $-598,000,000 | $33,000,000 | $-645,000,000 | $-197,000,000 |
| Other Non Cash Items | $537,000,000 | $507,000,000 | $735,000,000 | $574,000,000 |
| Deferred Tax | $184,000,000 | $-98,000,000 | $-458,000,000 | $-421,000,000 |
| Deferred Income Tax | $184,000,000 | $-98,000,000 | $-458,000,000 | $-421,000,000 |
| Depreciation Amortization Depletion | $514,000,000 | $481,000,000 | $458,000,000 | $419,000,000 |
| Depreciation And Amortization | $514,000,000 | $481,000,000 | $458,000,000 | $419,000,000 |
| Gain Loss On Sale Of Business | $0 | $-1,069,000,000 | $0 | $0 |
| Net Income From Continuing Operations | $3,552,000,000 | $3,499,000,000 | $2,238,000,000 | $3,016,000,000 |
| Income Tax Paid Supplemental Data | - | $1,087,000,000 | $1,125,000,000 | $1,290,000,000 |
Fetched: 2026-07-08