SYF Stock Chart & Stats
$1283.00
$0.00(0.00%)
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Day’s Range― - ―
52-Week Range$1,050.09 - $1,452.43
Previous CloseN/A
VolumeN/A
Average Volume (3M)484.00
Market Cap
$414.72B
Enterprise Value$27.36K
Total Cash (Recent Filing)$16.19B
Total Debt (Recent Filing)$16.43B
Price to Earnings (P/E)7.4
Beta>-0.01
Next Earnings
Oct 21, 2026EPS Estimate
42.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)9.86
Shares Outstanding325,370,850
10 Day Avg. Volume653
30 Day Avg. Volume484
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$1,571.42Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering18
EPS Forecast (FY)161.47
Revenue Forecast (FY)$265.73B
Bulls Say, Bears Say
Bulls Say
Profitability & Cash GenerationHigh margins and returns with multibillion operating and free cash flow provide durable earnings power and internal funding for growth, capital returns, and loss absorption. These structural cash flows support investment in technology and partner programs across credit cycles.
Partner-driven Volume GrowthA heavy, growing share of co-branded and private-label volume demonstrates durable competitive advantages via deep merchant partnerships. Scale in co-brands drives higher interchange, customer acquisition, and stickiness that sustain revenue streams over the medium term.
Capital Position & Shareholder ReturnsAbove-target CET1 and meaningful repurchase capacity signal resilient capital buffers and flexible capital allocation. The ability to return cash while maintaining capital targets supports long-term shareholder value and buffers balance-sheet stress in downturns.
Bears Say
Weakening Revenue MomentumSustained revenue declines reduce the base for margins and profitability, forcing greater reliance on cost control or riskier underwriting to sustain earnings. Over multiple quarters this can erode franchise economics and limit reinvestment in partnerships and tech.
NIM Pressure From Late-Fee ChangesMargin sensitivity to late-fee income and shifting customer payment behavior creates structural volatility in NIM. If regulatory action or behavioral shifts persist, core spread economics could be permanently impaired, pressuring earnings and return metrics.
Meaningful Structural LeverageThe business operates with material financial leverage typical of card lenders; sizable debt can amplify stress from higher credit losses or funding cost spikes. Limited margin for error could constrain strategic flexibility if credit or liquidity conditions deteriorate.
Synchrony Financial News
SYF FAQ
What was Synchrony Financial’s price range in the past 12 months?
Synchrony Financial lowest stock price was $1050.09 and its highest was $1452.43 in the past 12 months.
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $414.72B.
When is Synchrony Financial’s upcoming earnings report date?
Synchrony Financial’s upcoming earnings report date is Oct 21, 2026 which is in 88 days.
How were Synchrony Financial’s earnings last quarter?
Synchrony Financial released its earnings results on Jul 21, 2026. The company reported $45.348 earnings per share for the quarter, beating the consensus estimate of $37.416 by $7.932.
Is Synchrony Financial overvalued?
According to Wall Street analysts Synchrony Financial’s price is currently Undervalued.
Does Synchrony Financial pay dividends?
Synchrony Financial does not currently pay dividends.
What is Synchrony Financial’s EPS estimate?
Synchrony Financial’s EPS estimate is 42.16.
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 $45.348 in its last earnings report, beating expectations of $37.416. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Synchrony Financial?
Currently, no hedge funds are holding shares in MX:SYF
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$1,571.42 (― Downside)
$1,571.42 (― Downside)
Blogger Sentiment
Bullish
MX:SYF Sentiment 70%
Sector Average 60%
Sector Average 60%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.23%
12-Months-Change
Fundamentals
Return on Equity
1.65%
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.
SYF Stock 12 Month Forecast
Average Price Target
$1,571.42