Inside the research

Synchrony Financial

SYF Research profile · latest available data

Price overview

$72.94

▲ +1.39 (+1.9%)

52w hi$87.38
52w lo$63.25
Vol2.47M
As of25 Sep 2026

The Verdict

Hold

Our score -0.01

Short-0.13
Medium+0.00
Long+0.22

computed 2026-09-27

Key fundamentals

Synchrony Financial

Financial Services · Credit Services

Market cap$23.73B
Enterprise value$25.69B
Trailing P/E7.48x
Forward P/E6.98x
P / S (ttm)2.40x
Profit margin35.5%
Return on equity20.8%
Revenue growth+0.6%
Earnings growth+3.6%

Layer Breakdown

LayerRawContribution
Fundamental+0.31
Sector+0.02
Technical-0.10
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-09-27

Business overview

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.

United States · www.synchrony.com

Risk Metrics

Beta vs SPX1.56
Corr SPX0.67
Annual vol37.5%
Annual ret+25.3%
Sharpe0.67
Max DD-38.0%

Window: 504 trading days (504 obs)

Analyst Coverage

Mean PT$89.59
High / Low$103.00 / $77.00
Median$90.00
Analysts22
Strong Buy3
Buy12
Hold8
Sell0
Strong Sell0

Recent rating actions

2026-04-23Truist Securities→ Hold
2026-04-22BTIG→ Neutral
2026-04-22Barclays→ Overweight
2026-04-22Baird→ Outperform
2026-04-09Wells Fargo→ Overweight
2026-04-09JP Morgan→ Neutral

Material Events

DateEvent8-K
2026-07-31Other Material Event, Exhibitsread
2026-07-21Reg FD Disclosure, Exhibitsread
2026-07-21Earnings Release, Exhibitsread
2026-06-29Officer / Director Change, Reg FD Disclosure…read
2026-06-25Shareholder Vote, Exhibitsread
2026-06-09Reg FD Disclosure, Exhibitsread
2026-06-053.03, Bylaws Amendment…read
2026-05-15Reg FD Disclosure, Exhibitsread
2026-04-21Reg FD Disclosure, Exhibitsread
2026-04-21Earnings Release, Exhibitsread
2026-03-10Reg FD Disclosure, Exhibitsread
2026-02-25Other Material Event, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-03Owens DarrellSee remarksSell610$46.81K
2026-08-03Gentleman CourtneySee remarksSell721$55.32K
2026-08-03COVIELLO ARTHUR W JRSell4.00K$308.68K
2026-07-31Tiliakos AmySee remarksWithheld for tax1.74K$131.72K
2026-07-31Owens DarrellSee remarksWithheld for tax486$36.83K
2026-07-31Gentleman CourtneySee remarksWithheld for tax574$43.50K
2026-07-28DOUBLES BRIAN DSee remarksWithheld for tax2.35K$181.46K
2026-06-30Parker P.W.Grant789$60.00K
2026-06-30Alves Paget LeonardGrant789$60.00K
2026-06-30ELLINGER DEBORAH GGrant789$60.00K

Flow & Concentration

Insider 180d net-$410.81K
Insider buys / sells0 / 3
Insider biasNeutral
13F holders8
Top-5 share97.8%
HHI5,018 (concentrated)

Top Holders

HolderValueShares
State Street Corp$1.35B17.73M
AQR Capital Management$271.07M3.56M
Capital Research / Capital World$133.36M1.75M
Fidelity / FMR LLC$89.02M1.17M
Citadel Advisors$72.60M954.59K
Millennium Management$31.76M417.63K
Bridgewater Associates$11.70M153.89K
T. Rowe Price Group$48.58K638.79K

As of 2026-06-30

Dividends

Yield (TTM)1.23%
$ / share (TTM)$0.90
5y CAGR+5.5%

Annual dividend per share

2021$0.88
2022$0.90
2023$0.96
2024$1.00
2025$1.15
2026$0.60

SEC Filings

DateFormDoc
2026-08-044view
2026-08-044view
2026-08-044view
2026-08-044view
2026-07-318-Kview
2026-07-304view
2026-07-29424B5view
2026-07-28424B5view
2026-07-2310-Qview
2026-07-218-Kview
2026-07-218-Kview
2026-07-024view
2026-07-024view
2026-07-024view
2026-07-024view

The Long Run

FY 2014–2025 · 12 years

LineLatestCAGRTrend
Net income$2.24B+0.5%
Cash from ops$8.59B+4.9%

Indices

S&P 500

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$71.70$73.54$70.89$72.942.47M
Sep 24$70.89$71.70$70.22$71.552.50M
Sep 23$72.09$72.34$70.45$70.673.51M
Sep 22$75.86$75.88$72.67$72.672.96M
Sep 21$75.47$76.24$74.58$75.002.36M

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