Synchrony Financial (SFE) Stock Price & Analysis
SFE Stock Chart & Stats
- Day’s Range
- EUR 67.98 - EUR 69.02
- 52-Week Range
- EUR 54.78 - EUR 75.69
- Previous Close
- EUR 69.06
- Volume
- 14
- Average Volume (3M)
- 10
- Market Cap
- EUR 21.01B
- Enterprise Value
- EUR 25.72B
- Total Cash (Recent Filing)
- EUR 15.90B
- Total Debt (Recent Filing)
- EUR 17.02B
- Price to Earnings (P/E)
- 7.8
- Beta
- 0.71
- Next Earnings
- Jan 22, 2027 (Est.)
- EPS Estimate
- 1.77
- Next Dividend Ex-Date
- Nov 05, 2026
- Dividend Yield
- 1.57%
Bulls Say, Bears Say
Bulls Say
Broad-Based Purchase Volume Growth
Record purchase volume across every sales platform indicates broad customer and partner engagement rather than dependence on one niche. Continued volume growth can expand receivables, deepen merchant relationships, improve operating scale, and support durable earnings power over the next several quarters.
Strong Cash Generation
Robust operating and free cash flow demonstrates strong conversion of earnings into internally generated funds. That capacity supports loan growth, technology investment, shareholder returns, and funding flexibility, although the company remains exposed to normal volatility in consumer-credit cash flows.
Expanding Product And Partner Distribution
New embedded and online financing integrations broaden Synchrony's distribution beyond traditional card programs and place credit at more purchase points. These relationships can increase customer access, strengthen merchant relevance, and create recurring opportunities for receivables and purchase-volume growth.
Bears Say
Negative Revenue Trend And Margin Compression
A substantial TTM revenue decline creates a weaker growth backdrop and may limit the company's ability to absorb rising expenses or investment costs. Although current margins remain healthy, compression from prior peaks suggests profitability is less resilient than historical highs and requires continued execution.
Meaningful And Rising Leverage
Significant leverage reduces financial flexibility if funding costs rise or credit conditions deteriorate. Higher debt also increases the importance of stable portfolio performance and reliable access to funding, potentially constraining capital allocation while the company continues investing for growth.
Expected Credit-Loss Normalization
Expected normalization toward higher charge-offs would pressure provisions, earnings, and capital generation even if loan growth continues. The risk is amplified by a potentially greater share of non-prime balances, making underwriting discipline and portfolio seasoning important to sustaining returns.
Synchrony Financial News
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Synchrony Financial Stock Smart Score
Company Description
Synchrony Financial
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 products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Brian D. Doubles
- Employees
- 20,000
- Website
- www.synchrony.com
- Address
- 777 Long Ridge Road, Stamford, CT, 06902, US
Synchrony Financial (SFE) Earnings & Revenues
SFE Company Deck
SFE Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Synchrony reported record third-quarter purchase volume, strong earnings and returns, broad-based platform growth, improving credit performance, substantial shareholder returns and full-year EPS expectations at the high end of its original range. The main challenges were lower year-over-year net interest margin, elevated payment rates, higher provisions and expenses, declining capital ratios, portfolio seasoning effects and expected future pressure from higher losses and deposit betas. Management nevertheless characterized the core business, consumer behavior and strategic growth initiatives as strong.
View all DE:SFE earnings summariesSFE Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 3 | 4 |
| Technical Analysis | 3 | 3 | 4 |
| Moving Averages | 12 | 0 | 0 |
