Synchrony Financial (SYF)

Currency in USD
76.30
-0.32(-0.42%)
Closed·
76.50+0.20(+0.26%)
·
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Fair Value
Day's Range
75.6577.11
52 wk Range
50.0088.77
Key Statistics
Prev. Close
76.62
Open
76.36
Day's Range
75.65-77.11
52 wk Range
50-88.77
Volume
3.97M
Average Volume (3m)
4.55M
1-Year Change
46.9569%
Book Value / Share
43.89
Fair Value
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Fair Value Upside
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SYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
89.18
Upside
+16.88%
Members' Sentiments
Bearish
Bullish
ProTips
High shareholder yield

Synchrony Financial News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

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.

Sector
Financial
Employees
20000

Synchrony Financial SWOT Analysis


Credit Performance
Synchrony's improved delinquency rates and net charge-offs showcase effective risk management, bolstering analyst confidence in the company's financial stability
Strategic Partnerships
Explore Synchrony's growth potential through renewed Amazon collaboration and upcoming Walmart partnership, set to drive loan growth in 2026 and beyond
Market Outlook
Analysts project EPS of $7.59 to $8.71 for 2025, with potential earnings around $9 per share by 2026, reflecting optimism in Synchrony's future performance
Navigating Challenges
Delve into Synchrony's response to decelerating loan growth and shifting borrower demographics, balancing improved credit quality with competitive pressures
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q1/2026

  • Q1 2026 EPS of $2.27 beat forecast of $2.20; revenue of $4.77B exceeded expectations of $3.78B by 26.19%, with record $43B purchase volume.
  • Net interest margin improved 76 basis points; net charge-off rate declined to 5.42% from 6.38% year-over-year, signaling improved credit quality.
  • Stock fell 1.76% to $77.20 in premarket despite strong results, trading at P/E of 8.46; InvestingPro rates company as undervalued.
  • Q2 2026 EPS guidance set at $2.18; seven analysts revised earnings upward, citing strength from partner expansions and digital platform growth.
  • CEO Keane emphasized diversified business model success; company investing in technology and AI to manage rising operational costs while driving growth.
Last Updated: 2026/04/21, 15:16
Read Full Transcript

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
7.3x13.0x10.0x
PEG Ratio
0.22−0.330.03
Price/Book
1.7x1.3x1.0x
Price / LTM Sales
2.6x4.0x2.9x
Upside (Analyst Target)
17.5%−0.6%14.7%
Fair Value Upside
Unlock19.3%2.1%Unlock

Analyst Ratings

15 Buy
8 Hold
0 Sell
Ratings:
23 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 89.18
(+16.88% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Truist Securities
Hold82.00+7.47%71.00MaintainApr 23, 2026
TD Cowen
Buy89.00+16.64%83.00MaintainApr 22, 2026
Baird
Buy86.00+12.71%83.00MaintainApr 22, 2026
BTIG
Hold---DowngradeApr 22, 2026
Barclays
Buy93.00+21.89%82.00MaintainApr 22, 2026

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 9.69%
Dividend Yield
1.52%
Industry Median 3.06%
Annualised payout
1.20
Paid quarterly
5-Years Growth
+6.40%
Growth Streak

Earnings

Latest Release
Apr 21, 2026
EPS / Forecast
2,27 / 2,20
Revenue / Forecast
4,77B / 3,78B
EPS Revisions
Last 90 days

SYF Income Statement

FAQ

What Is the Synchrony Financial (SYF) Stock Price Today?

The Synchrony Financial stock price today is 76,30 USD.

What Stock Exchange Does Synchrony Financial Trade On?

Synchrony Financial is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for Synchrony Financial?

The stock symbol for Synchrony Financial is "SYF."

Does Synchrony Financial Pay Dividends? What’s The Current Dividend Yield?

The Synchrony Financial dividend yield is 1.57%.

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 25,82B USD.

What Is Synchrony Financial's Earnings Per Share (TTM)?

The Synchrony Financial EPS (TTM) is 9,69.

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on Jul 21, 2026.

From a Technical Analysis Perspective, Is SYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Synchrony Financial Stock Split?

Synchrony Financial has split 0 times.

How Many Employees Does Synchrony Financial Have?

Synchrony Financial has 20000 employees.

What is the current trading status of Synchrony Financial (SYF)?

As of Apr 24, 2026, Synchrony Financial (SYF) is trading at a price of 76,30 USD, with a previous close of 76,62 USD. The stock has fluctuated within a day range of 75,65 USD to 77,11 USD, while its 52-week range spans from 50,00 USD to 88,77 USD.

What Is Synchrony Financial (SYF) Price Target According to Analysts?

The average 12-month price target for Synchrony Financial is 89,18 USD, with a high estimate of 103 USD and a low estimate of 71 USD. 15 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +16,88% Upside potential.

What Is the SYF Premarket Price?

SYF's last pre-market stock price is 76,02 USD. The pre-market share volume is 350,00, and the stock has decreased by -0,60, or -0,78%.

What Is the SYF After Hours Price?

SYF's last after hours stock price is 76,50 USD, the stock has decreased by 0,20, or 0,26%.
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