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 |
| Vol | 2.47M |
| As of | 25 Sep 2026 |
The Verdict
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/E | 7.48x |
| Forward P/E | 6.98x |
| P / S (ttm) | 2.40x |
| Profit margin | 35.5% |
| Return on equity | 20.8% |
| Revenue growth | +0.6% |
| Earnings growth | +3.6% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| 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.
Risk Metrics
| Beta vs SPX | 1.56 |
|---|---|
| Corr SPX | 0.67 |
| Annual vol | 37.5% |
| Annual ret | +25.3% |
| Sharpe | 0.67 |
| 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 |
| Analysts | 22 |
| Strong Buy | 3 | |
|---|---|---|
| Buy | 12 | |
| Hold | 8 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-04-23 | Truist Securities | → Hold |
| 2026-04-22 | BTIG | → Neutral |
| 2026-04-22 | Barclays | → Overweight |
| 2026-04-22 | Baird | → Outperform |
| 2026-04-09 | Wells Fargo | → Overweight |
| 2026-04-09 | JP Morgan | → Neutral |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-31 | Other Material Event, Exhibits | read |
| 2026-07-21 | Reg FD Disclosure, Exhibits | read |
| 2026-07-21 | Earnings Release, Exhibits | read |
| 2026-06-29 | Officer / Director Change, Reg FD Disclosure… | read |
| 2026-06-25 | Shareholder Vote, Exhibits | read |
| 2026-06-09 | Reg FD Disclosure, Exhibits | read |
| 2026-06-05 | 3.03, Bylaws Amendment… | read |
| 2026-05-15 | Reg FD Disclosure, Exhibits | read |
| 2026-04-21 | Reg FD Disclosure, Exhibits | read |
| 2026-04-21 | Earnings Release, Exhibits | read |
| 2026-03-10 | Reg FD Disclosure, Exhibits | read |
| 2026-02-25 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-03 | Owens Darrell | See remarks | Sell | 610 | $46.81K |
| 2026-08-03 | Gentleman Courtney | See remarks | Sell | 721 | $55.32K |
| 2026-08-03 | COVIELLO ARTHUR W JR | Sell | 4.00K | $308.68K | |
| 2026-07-31 | Tiliakos Amy | See remarks | Withheld for tax | 1.74K | $131.72K |
| 2026-07-31 | Owens Darrell | See remarks | Withheld for tax | 486 | $36.83K |
| 2026-07-31 | Gentleman Courtney | See remarks | Withheld for tax | 574 | $43.50K |
| 2026-07-28 | DOUBLES BRIAN D | See remarks | Withheld for tax | 2.35K | $181.46K |
| 2026-06-30 | Parker P.W. | Grant | 789 | $60.00K | |
| 2026-06-30 | Alves Paget Leonard | Grant | 789 | $60.00K | |
| 2026-06-30 | ELLINGER DEBORAH G | Grant | 789 | $60.00K |
Flow & Concentration
| Insider 180d net | -$410.81K |
|---|---|
| Insider buys / sells | 0 / 3 |
| Insider bias | Neutral |
| 13F holders | 8 |
| Top-5 share | 97.8% |
| HHI | 5,018 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $1.35B | 17.73M |
| AQR Capital Management | $271.07M | 3.56M |
| Capital Research / Capital World | $133.36M | 1.75M |
| Fidelity / FMR LLC | $89.02M | 1.17M |
| Citadel Advisors | $72.60M | 954.59K |
| Millennium Management | $31.76M | 417.63K |
| Bridgewater Associates | $11.70M | 153.89K |
| T. Rowe Price Group | $48.58K | 638.79K |
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
The Long Run
FY 2014–2025 · 12 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Net income | $2.24B | +0.5% | |
| Cash from ops | $8.59B | +4.9% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $71.70 | $73.54 | $70.89 | $72.94 | 2.47M |
| Sep 24 | $70.89 | $71.70 | $70.22 | $71.55 | 2.50M |
| Sep 23 | $72.09 | $72.34 | $70.45 | $70.67 | 3.51M |
| Sep 22 | $75.86 | $75.88 | $72.67 | $72.67 | 2.96M |
| Sep 21 | $75.47 | $76.24 | $74.58 | $75.00 | 2.36M |
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