0LC3 Stock Chart & Stats
$76.02
-$0.74(-0.96%)
At close: 4:00 PM EDT
$76.02
-$0.74(-0.96%)
Day’s Range― - ―
52-Week Range$62.03 - $89.99
Previous CloseN/A
Volume1.22K
Average Volume (3M)1.76K
Market Cap
$24.66B
Enterprise Value$27.36K
Total Cash (Recent Filing)$16.19B
Total Debt (Recent Filing)$16.43B
Price to Earnings (P/E)7.7
Beta1.12
Next Earnings
Oct 21, 2026EPS Estimate
2.39Next Dividend Ex-DateN/A
Dividend Yield1.57%
Share Statistics
EPS (TTM)9.86
Shares Outstanding325,370,850
10 Day Avg. Volume1,227
30 Day Avg. Volume1,762
Financial Highlights & Ratios
PEG Ratio1.09
Price to Book (P/B)1.78
Price to Sales (P/S)1.56
P/FCF Ratio3.03
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$89.38Price Target Upside17.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering18
EPS Forecast (FY)9.35
Revenue Forecast (FY)$15.18B
Bulls Say, Bears Say
Bulls Say
High Profitability And ROESynchrony’s sustained TTM net margin (~17.7%) and ~21% ROE indicate durable earnings power and efficient capital use. High returns generate internal capital for buybacks/dividends and support reinvestment, helping the firm withstand cyclical credit swings and fund strategic initiatives.
Partner-driven, Diversified Purchase VolumeBroad-based purchase-volume growth and heavy co-brand exposure create sticky, high-frequency spend and diversified revenue streams. Deep merchant partnerships and expanding co-branded programs underpin durable card usage, interchange and promo-finance demand across economic cycles.
Solid Funding, Capital Buffers And Market AccessA deposit-heavy funding mix, CET1 well above target and available buyback capacity signal resilient liquidity and capital flexibility. Access to capital markets via recent senior notes and preferred issuance further supports long-term funding options and strategic capital deployment.
Bears Say
Weakening Revenue MomentumSustained top-line declines reduce operating leverage and constrain future earnings growth potential. With receivable growth pressured by higher payment rates, continued revenue contraction would force reliance on margin or cost moves to sustain profitability, increasing execution risk.
Late-fee Regulatory Risk Hurting NIMLate fees are a material contributor to net interest margin; potential rulemaking or regulatory restrictions could permanently reduce this income stream. A structural cut to late-fee revenue would compress NIM and require higher loan volumes or pricing to offset lost revenue.
Rising Expenses, Operational Losses And Efficiency DragHigher technology, operational losses and RSA-related hit have raised the ongoing cost base and reduced efficiency. If expense growth persists, sustained margin pressure could follow, limiting free cash generation and forcing trade-offs between growth investments and profitability.
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 $24.66B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Oct 21, 2026 which is in 77 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Jul 21, 2026. The company reported $2.59 earnings per share for the quarter, beating the consensus estimate of $2.137 by $0.453.
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 1.57%. See more information on Synchrony Financial dividends here
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 2.39.
How many shares outstanding does Synchrony Financial have?
Synchrony Financial has 325,370,850 shares outstanding.
What happened to Synchrony Financial’s price movement after its last earnings report?
Synchrony Financial reported an EPS of $2.59 in its last earnings report, beating expectations of $2.137. Following the earnings report the stock price went down -1.125%.
Which hedge fund is a major shareholder of Synchrony Financial?
Currently, no hedge funds are holding shares in GB:0LC3
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
Synchrony Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$89.38 (17.57% Upside)
$89.38 (17.57% Upside)
Blogger Sentiment
Bullish
GB:0LC3 Sentiment 75%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
5.03%
12-Months-Change
Fundamentals
Return on Equity
1.57%
Trailing 12-Months
Asset Growth
1.18%
Trailing 12-Months
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.
0LC3 Company Deck
0LC3 Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated strong operating momentum: record purchase volume, accelerating new account growth, robust earnings and return metrics, and continued partner expansion with a constructive outlook and shareholder returns. Headwinds included sequential margin pressure from lower late fees, elevated payment rates limiting receivable growth, higher operational/tech investments that raised expenses and RSA usage, and some regulatory uncertainty around late fees. Overall, the positive top-line momentum, solid profitability and capital flexibility outweigh the near-term margins and expense pressures.View all GB:0LC3 earnings summaries0LC3 Stock 12 Month Forecast
Average Price Target
$89.38
▲(17.57% Upside)