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Synchrony Financial (0LC3) Share Price & Analysis

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0LC3 Stock Chart & Stats

$71.54-$0.59(-0.82%)
At close: 4:30 PM GMT
$70$75$80Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 9
Day’s Range
$70.55 - $72.99
52-Week Range
$62.03 - $89.99
Previous Close
$72.13
Volume
N/A
Average Volume (3M)
1,447
Market Cap
$22.33B
Enterprise Value
$25.72B
Total Cash (Recent Filing)
$15.90B
Total Debt (Recent Filing)
$17.02B
Price to Earnings (P/E)
7.4
Beta
1.16
Next Earnings
Jan 22, 2027 (Est.)
EPS Estimate
1.98
Last Dividend Ex-Date
Nov 05, 2026
Dividend Yield
1.79%

Bulls Say, Bears Say

Bulls Say

Broad-based Platform Growth

Record purchase volume across every sales platform indicates broad customer and partner engagement rather than dependence on one category. Continued program wins, co-branded growth and digital distribution can expand receivables and strengthen Synchrony's merchant ecosystem over the next several quarters.

Strong Profitability And Cash Generation

Healthy profitability and strong cash conversion provide internal resources to support technology investment, capital returns and ongoing credit operations. Although cash flow is volatile, the current earnings and generation profile demonstrates meaningful operating scale and financial capacity.

Improving Credit Performance And Funding

Growing receivables alongside lower delinquency and charge-offs suggests portfolio credit trends are currently stabilizing. That supports more predictable underwriting outcomes and earnings, while Synchrony's deposit-led funding base and liquidity provide additional operating resilience.

Bears Say

Sharp Revenue Decline

A steep top-line contraction weakens the growth foundation even though margins remain profitable. Persistent revenue pressure could constrain investment, reduce operating leverage and make future earnings more dependent on credit outcomes, funding costs or expense discipline rather than expanding business volume.

Meaningful Leverage And Lower Capital Ratios

Material leverage and declining regulatory capital ratios reduce flexibility if credit losses or funding costs rise. Less balance-sheet capacity can limit growth and shareholder-return choices, while greater reliance on stable portfolio performance increases sensitivity to adverse consumer-credit conditions.

Future Margin And Credit-loss Pressure

Expected portfolio seasoning and higher future charge-offs could require more provisions and weigh on earnings over the next several quarters. This pressure compounds the year-over-year net interest margin decline and elevated expenses, making current profitability less durable if losses normalize higher.

Synchrony Financial News

0LC3 FAQ

What was Synchrony Financial’s price range in the past 12 months?
Synchrony Financial lowest share price was $62.03 and its highest was $89.99 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $22.33B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s next earnings report is estimated for Jan 22, 2027 (not yet confirmed), which is in 71 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Oct 20, 2026. The company reported $2.68 earnings per share for the quarter, beating the consensus estimate of $2.421 by $0.259.
Is Synchrony Financial overvalued?
According to Wall Street analysts Synchrony Financial’s price is currently Undervalued.
Does Synchrony Financial pay dividends?
Synchrony Financial pays a quarterly dividend of $0.34 which represents an annual dividend yield of 1.79%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 1.98.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 311,404,850 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.68 in its last earnings report, beating expectations of $2.421. Following the earnings report the stock price went down -0.581%.
Which hedge fund is a major shareholder of Synchrony Financial?
Hedge funds hold Synchrony Financial shares: the largest hedge-fund position in Synchrony Financial is 408,607,574 shares, and hedge funds increased their holdings by 388.3K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology