Synchrony Financial (SYF) Stock Price
Synchrony Financial Price
Revenue has compounded at 7.1% per year over the past 16 years to 18.99 B USD. Earnings per share have grown at 20.3% per year over the last 16 years. Synchrony Financial's net margin stands at 18.3%, down from 28.4% several years earlier. Synchrony Financial currently offers a dividend yield of about 1.52%. The payout ratio is around 12% of earnings. The dividend has grown at 18.0% per year over the past 9 years. Analysts set a median price target of 94.86 USD, implying 25.2% above the current price. Of 27 analysts, 19 rate the stock a buy — an overall Buy consensus. The stock trades about 19% above its 52-week low.
Synchrony Financial stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Synchrony Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Synchrony Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Synchrony Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Synchrony Financial Price |
|---|---|
| 7/31/2026 | 75.79 USD |
| 7/30/2026 | 77.17 USD |
| 7/29/2026 | 76.32 USD |
| 7/27/2026 | 74.71 USD |
| 7/23/2026 | 71.77 USD |
| 7/22/2026 | 72.81 USD |
| 7/21/2026 | 72.21 USD |
| 7/20/2026 | 73.41 USD |
| 7/17/2026 | 73.62 USD |
| 7/16/2026 | 74.28 USD |
| 7/15/2026 | 74.04 USD |
| 7/14/2026 | 73.68 USD |
| 7/13/2026 | 73.57 USD |
| 7/10/2026 | 72.44 USD |
| 7/9/2026 | 71.57 USD |
| 7/8/2026 | 72.94 USD |
| 7/7/2026 | 75.52 USD |
| 7/6/2026 | 76.77 USD |
| 7/2/2026 | 76.33 USD |
| 7/1/2026 | 76.77 USD |
| 6/30/2026 | 76.05 USD |
| 6/29/2026 | 78.42 USD |
| 6/26/2026 | 78.66 USD |
| 6/25/2026 | 78.52 USD |
| 6/24/2026 | 76.32 USD |
| 6/23/2026 | 75.04 USD |
| 6/22/2026 | 75.43 USD |
| 6/18/2026 | 75.77 USD |
| 6/17/2026 | 76.13 USD |
| 6/16/2026 | 74.90 USD |
| 6/15/2026 | 75.56 USD |
| 6/12/2026 | 73.35 USD |
| 6/11/2026 | 69.05 USD |
| 6/10/2026 | 70.71 USD |
| 6/9/2026 | 72.33 USD |
| 6/8/2026 | 70.55 USD |
| 6/5/2026 | 71.30 USD |
| 6/4/2026 | 71.13 USD |
| 6/3/2026 | 69.48 USD |
| 6/2/2026 | 71.40 USD |
| 6/1/2026 | 70.75 USD |
| 5/29/2026 | 71.68 USD |
| 5/28/2026 | 71.47 USD |
| 5/27/2026 | 72.69 USD |
| 5/26/2026 | 72.60 USD |
| 5/22/2026 | 71.55 USD |
| 5/21/2026 | 70.88 USD |
| 5/20/2026 | 70.68 USD |
| 5/19/2026 | 69.39 USD |
| 5/18/2026 | 71.05 USD |
| 5/15/2026 | 71.38 USD |
| 5/14/2026 | 71.26 USD |
| 5/13/2026 | 69.81 USD |
| 5/12/2026 | 70.84 USD |
| 5/11/2026 | 70.28 USD |
| 5/8/2026 | 73.14 USD |
| 5/7/2026 | 74.00 USD |
| 5/6/2026 | 75.15 USD |
| 5/5/2026 | 73.78 USD |
| 5/4/2026 | 74.24 USD |
| 5/1/2026 | 75.76 USD |
| 4/30/2026 | 76.20 USD |
| 4/29/2026 | 75.12 USD |
| 4/28/2026 | 76.25 USD |
| 4/27/2026 | 76.75 USD |
| 4/24/2026 | 76.30 USD |
| 4/23/2026 | 76.62 USD |
| 4/22/2026 | 78.69 USD |
| 4/21/2026 | 77.63 USD |
| 4/20/2026 | 78.58 USD |
| 4/17/2026 | 78.34 USD |
| 4/16/2026 | 75.17 USD |
| 4/15/2026 | 75.99 USD |
| 4/14/2026 | 75.55 USD |
| 4/13/2026 | 73.79 USD |
| 4/10/2026 | 72.41 USD |
| 4/9/2026 | 72.49 USD |
| 4/8/2026 | 71.97 USD |
| 4/7/2026 | 68.85 USD |
| 4/6/2026 | 69.26 USD |
| 4/2/2026 | 68.42 USD |
| 4/1/2026 | 68.32 USD |
| 3/31/2026 | 68.02 USD |
| 3/30/2026 | 66.01 USD |
| 3/27/2026 | 65.36 USD |
| 3/26/2026 | 66.80 USD |
| 3/25/2026 | 67.63 USD |
| 3/24/2026 | 67.27 USD |
| 3/23/2026 | 66.55 USD |
| 3/20/2026 | 66.19 USD |
| 3/19/2026 | 65.51 USD |
| 3/18/2026 | 65.51 USD |
| 3/17/2026 | 65.17 USD |
| 3/16/2026 | 65.15 USD |
| 3/15/2026 | 64.02 USD |
| 3/13/2026 | 63.78 USD |
| 3/12/2026 | 63.78 USD |
| 3/11/2026 | 63.97 USD |
| 3/10/2026 | 65.21 USD |
| 3/9/2026 | 65.46 USD |
| 3/8/2026 | 67.12 USD |
| 3/6/2026 | 66.67 USD |
| 3/5/2026 | 68.97 USD |
| 3/4/2026 | 69.27 USD |
| 3/3/2026 | 68.66 USD |
| 3/2/2026 | 68.64 USD |
| 2/27/2026 | 69.11 USD |
| 2/26/2026 | 73.98 USD |
| 2/25/2026 | 72.81 USD |
| 2/24/2026 | 70.77 USD |
| 2/23/2026 | 68.88 USD |
| 2/20/2026 | 73.38 USD |
| 2/19/2026 | 72.26 USD |
| 2/18/2026 | 72.85 USD |
| 2/17/2026 | 72.31 USD |
| 2/13/2026 | 71.38 USD |
| 2/12/2026 | 71.11 USD |
| 2/11/2026 | 72.93 USD |
| 2/10/2026 | 73.90 USD |
| 2/9/2026 | 73.95 USD |
| 2/6/2026 | 75.16 USD |
| 2/5/2026 | 73.99 USD |
| 2/4/2026 | 75.22 USD |
| 2/3/2026 | 73.90 USD |
| 2/2/2026 | 73.52 USD |
| 1/30/2026 | 72.64 USD |
| 1/29/2026 | 73.37 USD |
| 1/28/2026 | 73.42 USD |
| 1/27/2026 | 73.00 USD |
| 1/26/2026 | 77.51 USD |
| 1/23/2026 | 76.63 USD |
| 1/22/2026 | 78.10 USD |
| 1/21/2026 | 77.14 USD |
| 1/20/2026 | 76.09 USD |
| 1/16/2026 | 80.01 USD |
| 1/15/2026 | 77.70 USD |
| 1/14/2026 | 77.82 USD |
| 1/13/2026 | 78.06 USD |
| 1/12/2026 | 80.01 USD |
| 1/9/2026 | 86.90 USD |
| 1/8/2026 | 87.73 USD |
| 1/7/2026 | 87.43 USD |
| 1/6/2026 | 88.47 USD |
| 1/5/2026 | 86.74 USD |
| 1/2/2026 | 84.65 USD |
| 12/31/2025 | 83.43 USD |
| 12/30/2025 | 84.31 USD |
| 12/29/2025 | 84.74 USD |
| 12/26/2025 | 86.01 USD |
| 12/24/2025 | 86.06 USD |
| 12/23/2025 | 85.57 USD |
| 12/22/2025 | 85.85 USD |
| 12/19/2025 | 84.68 USD |
| 12/18/2025 | 83.68 USD |
| 12/17/2025 | 83.23 USD |
| 12/16/2025 | 83.39 USD |
| 12/15/2025 | 83.21 USD |
| 12/12/2025 | 84.22 USD |
| 12/11/2025 | 85.66 USD |
| 12/10/2025 | 84.55 USD |
| 12/9/2025 | 81.01 USD |
| 12/8/2025 | 79.78 USD |
| 12/5/2025 | 80.36 USD |
| 12/4/2025 | 80.40 USD |
| 12/3/2025 | 79.15 USD |
| 12/2/2025 | 78.88 USD |
| 12/1/2025 | 78.05 USD |
| 11/28/2025 | 77.36 USD |
| 11/26/2025 | 76.95 USD |
| 11/25/2025 | 76.51 USD |
| 11/24/2025 | 74.52 USD |
| 11/21/2025 | 74.62 USD |
| 11/20/2025 | 72.25 USD |
| 11/19/2025 | 72.55 USD |
| 11/18/2025 | 71.22 USD |
| 11/17/2025 | 70.47 USD |
| 11/14/2025 | 73.09 USD |
| 11/13/2025 | 73.79 USD |
| 11/12/2025 | 75.49 USD |
| 11/11/2025 | 74.42 USD |
| 11/10/2025 | 74.70 USD |
| 11/7/2025 | 73.19 USD |
| 11/6/2025 | 73.55 USD |
| 11/5/2025 | 74.37 USD |
| 11/4/2025 | 73.30 USD |
| 11/3/2025 | 74.01 USD |
| 10/31/2025 | 74.38 USD |
| 10/30/2025 | 73.59 USD |
| 10/29/2025 | 73.21 USD |
| 10/28/2025 | 74.72 USD |
| 10/27/2025 | 74.96 USD |
| 10/24/2025 | 74.85 USD |
| 10/23/2025 | 73.24 USD |
| 10/22/2025 | 73.01 USD |
| 10/21/2025 | 74.00 USD |
| 10/20/2025 | 72.26 USD |
| 10/17/2025 | 71.51 USD |
| 10/16/2025 | 70.25 USD |
| 10/15/2025 | 72.32 USD |
| 10/14/2025 | 73.50 USD |
| 10/13/2025 | 70.14 USD |
| 10/10/2025 | 68.03 USD |
| 10/9/2025 | 71.35 USD |
| 10/8/2025 | 70.97 USD |
| 10/7/2025 | 70.90 USD |
| 10/6/2025 | 71.38 USD |
| 10/3/2025 | 71.31 USD |
| 10/2/2025 | 70.28 USD |
| 10/1/2025 | 69.85 USD |
| 9/30/2025 | 71.05 USD |
| 9/29/2025 | 71.05 USD |
| 9/28/2025 | 73.32 USD |
| 9/25/2025 | 74.54 USD |
| 9/24/2025 | 74.28 USD |
| 9/23/2025 | 74.74 USD |
| 9/22/2025 | 75.58 USD |
| 9/19/2025 | 76.60 USD |
| 9/18/2025 | 76.53 USD |
| 9/17/2025 | 74.82 USD |
| 9/16/2025 | 74.53 USD |
| 9/15/2025 | 76.28 USD |
| 9/12/2025 | 75.68 USD |
| 9/11/2025 | 76.01 USD |
| 9/10/2025 | 74.74 USD |
| 9/9/2025 | 76.07 USD |
| 9/8/2025 | 75.14 USD |
| 9/5/2025 | 75.72 USD |
| 9/4/2025 | 76.86 USD |
| 9/3/2025 | 75.49 USD |
| 9/2/2025 | 75.62 USD |
| 8/29/2025 | 76.35 USD |
| 8/28/2025 | 76.58 USD |
| 8/27/2025 | 75.76 USD |
| 8/26/2025 | 75.34 USD |
| 8/25/2025 | 74.00 USD |
| 8/22/2025 | 73.11 USD |
| 8/21/2025 | 71.23 USD |
| 8/20/2025 | 71.58 USD |
| 8/19/2025 | 71.59 USD |
| 8/18/2025 | 71.79 USD |
| 8/15/2025 | 71.51 USD |
| 8/14/2025 | 72.83 USD |
| 8/13/2025 | 72.59 USD |
| 8/12/2025 | 72.36 USD |
| 8/11/2025 | 69.60 USD |
| 8/8/2025 | 69.42 USD |
| 8/7/2025 | 68.45 USD |
| 8/6/2025 | 69.53 USD |
| 8/5/2025 | 69.99 USD |
Synchrony Financial Revenue, Pre-Provision Profit, Net Income
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Synchrony Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB USD |
| Non-Interest IncomeB USD |
| Loan Loss ProvisionsB USD |
| Pre-Provision Profit (PPOP)B USD |
| NET INCOMEB USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 13.62 | 15.12 | 16.70 | 18.25 | 19.46 | 16.47 | 15.75 | 17.53 | 21.00 | 24.17 | 23.12 | 15.19 | 16.03 | 16.86 | 16.96 | 16.42 |
| 7.02 | 11.03 | 10.40 | 9.33 | 6.62 | -15.36 | -4.37 | 11.26 | 19.82 | 15.08 | -4.32 | -34.32 | 5.55 | 5.22 | 0.58 | -3.19 |
| 12.09 | 13.53 | 15.02 | 16.12 | 16.80 | 14.40 | 14.24 | 15.63 | 17.00 | 18.01 | 18.47 | – | – | – | – | – |
| 0.39 | 0.34 | 0.29 | 0.27 | 0.37 | 0.41 | 0.48 | 0.38 | 0.29 | 1.52 | 0.52 | – | – | – | – | – |
| 2.95 | 3.99 | 5.30 | 5.55 | 4.18 | 4.21 | 0.73 | 3.38 | 5.97 | 6.73 | 5.23 | – | – | – | – | – |
| 6.48 | 7.56 | 8.62 | 9.19 | 9.07 | 6.01 | 6.23 | 7.34 | 8.87 | 11.29 | 9.85 | – | – | – | – | – |
| 2.21 | 2.25 | 1.94 | 2.79 | 3.75 | 1.34 | 4.18 | 2.97 | 2.20 | 3.43 | 3.47 | 3.25 | 3.64 | 4.19 | 4.45 | – |
| 4.98 | 1.67 | -14.04 | 44.19 | 34.30 | -64.16 | 211.17 | -28.83 | -26.16 | 56.06 | 1.23 | -6.26 | 11.96 | 15.13 | 6.13 | – |
| – | 0.52 | 0.69 | 0.72 | 0.86 | 0.88 | 0.88 | 0.90 | 0.96 | 1.00 | 1.15 | 1.20 | 1.27 | 1.34 | – | – |
| – | – | 32.69 | 4.35 | 19.44 | 2.33 | – | 2.27 | 6.67 | 4.17 | 15.00 | 4.35 | 5.83 | 5.51 | – | – |
| 836.00 | 832.00 | 800.00 | 747.00 | 674.00 | 591.00 | 569.00 | 483.00 | 423.50 | 400.60 | 373.90 | 373.90 | 373.90 | 373.90 | 373.90 | 373.90 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Synchrony Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Synchrony Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Synchrony Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Synchrony Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Synchrony Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Synchrony Financial stock margins
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Synchrony Financial Revenue per Share, Earnings per Share
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Synchrony Financial business model & stock analysis
Synchrony Financial SWOT Analysis
Strengths
Synchrony Financial boasts a strong market position and a wide range of financial products and services, enabling it to serve diverse customer needs effectively. The company has established successful partnerships with numerous top retailers, giving it a competitive advantage in the consumer financing sector. Its well-established brand and reputation for providing convenient and flexible payment solutions contribute to its strong customer base. Synchrony Financial's strong financial performance and ability to deliver consistent profitability are also key strengths.
Weaknesses
Synchrony Financial faces certain weaknesses that warrant attention. The company's heavy reliance on its retailer partners for a significant portion of its business exposes it to potential risks if any of those partnerships were to deteriorate or terminate. The ongoing technological advancements in the financial industry also pose a challenge for Synchrony Financial to continuously adapt and innovate in order to meet changing customer demands. Moreover, the company's business operations being concentrated in the United States make it vulnerable to any negative impacts on the domestic economy.
Opportunities
Synchrony Financial can capitalize on various opportunities in the market. Expanding its partnerships with more retailers, both domestically and internationally, would enable the company to diversify its customer base and increase its market share. The growing trend towards online and mobile payment solutions presents an opportunity for Synchrony Financial to invest in digital technologies and enhance its digital capabilities. Additionally, there is potential for the company to expand its financial services beyond consumer financing and venture into other areas such as small business lending or wealth management.
Threats
Synchrony Financial faces threats that could impact its operations. The increasing regulatory scrutiny in the financial industry poses a risk for the company, as any changes in regulations or compliance requirements could potentially affect its business practices and increase operational costs. Intensifying competition in the consumer financing sector, both from traditional financial institutions and emerging fintech companies, also presents a threat to Synchrony Financial's market position. Moreover, any economic downturn or financial instability could adversely impact consumer spending, leading to decreased demand for the company's financial products and services.
Synchrony Financial Employees
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Details
Synchrony Financial Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Synchrony Financial historical P/E ratio, EBIT multiple, and P/S ratio
Synchrony Financial annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Synchrony Financial shares outstanding
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Synchrony Financial Dividend History
11 years of dividend payments · 4 consecutive increases
Synchrony Financial dividend history and estimates
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Synchrony Financial dividend payout ratio
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Current Synchrony Financial forecasts and price targets in August 2026
Analyst Price Targets 2026Synchrony Financial Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 7/28/2026 | Maintained | Outperform | 62 | |
| 7/22/2026 | Maintained | Overweight | 56 | |
| 7/22/2026 | Maintained | Sector Perform | 52 | |
| 7/22/2026 | Maintained | Outperform | – | |
| 7/13/2026 | Maintained | Neutral | 80 | |
| 7/13/2026 | Maintained | Buy | – | |
| 7/7/2026 | Maintained | Neutral | 51 | |
| 7/7/2026 | Maintained | Buy | 60 | |
| 4/23/2026 | Maintained | Hold | – | |
| 4/22/2026 | Downgrade | BuyNeutral | – |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Synchrony Financial Earnings Calls
Synchrony Financial Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 7/21/2026 | 2.13USD | - | 4.44 BUSD | - | 2026 Q2 |
| 4/21/2026 | 2.17USD | - | 4.42 BUSD | - | 2026 Q1 |
| 1/27/2026 | 2.06USD | - | 4.82 BUSD | - | 2025 Q4 |
| 4/17/2024 | 1.74USD | - | 4.51 BUSD | - | 2024 Q1 |
| 1/22/2024 | 0.99USD | - | 4.43 BUSD | - | 2023 Q4 |
| 7/17/2023 | 1.22USD | - | 4.14 BUSD | - | 2023 Q2 |
| 4/17/2023 | 1.69USD | - | 4.15 BUSD | - | 2023 Q1 |
| 1/26/2023 | 1.20USD | - | 4.12 BUSD | - | 2022 Q4 |
| 10/25/2022 | 1.39USD | - | 3.95 BUSD | - | 2022 Q3 |
| 7/18/2022 | 1.44USD | - | 3.79 BUSD | - | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Synchrony Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Synchrony Financial shareholder structure
| % | Name |
|---|---|
13.13130% | |
11.02598% | |
9.72293% | |
8.76843% | |
6.50110% | |
5.44041% |
Synchrony Financial Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
84.60% | SEC ↗ | |
11.97% | SEC ↗ | |
10.00% | SEC ↗ | |
9.70% | SEC ↗ | |
9.00% | SEC ↗ | |
8.50% | SEC ↗ | |
7.72% | SEC ↗ | |
7.53% | SEC ↗ | |
6.49% | SEC ↗ | |
6.11% | SEC ↗ |
Synchrony Financial Executives and Management Board
22 members · avg. age 60 · 36 % women
Mr. Brian Doubles (50)
President, Chief Executive Officer, Director · since 2014
18.78 M USD
Management
Mr. Brian Wenzel (57)
Chief Financial Officer, Executive Vice President
Mr. Jonathan Mothner (61)
Executive Vice President, Chief Risk and Legal Officer
Ms. Carol Juel (52)
Executive Vice President, Chief Technology and Operating Officer
Mr. Curtis Howse (61)
Executive Vice President, Chief Executive Officer - Home and Auto
Mr. Alberto Casellas (58)
Executive Vice President, Chief Executive Officer - Health and Wellness
Ms. Courtney Gentleman (52)
Executive Vice President, Chief Executive Officer - Diversified & Value
Board of Directors
Mr. Jeffrey Naylor (66)
Non-Executive Independent Chairman of the Board
Mr. Roy Guthrie (72)
Independent Director
Mr. Paget Alves (70)
Independent Director
Mr. Arthur Coviello (71)
Independent Director
Mr. Fernando Aguirre (68)
Independent Director
Ms. Laurel Richie (66)
Independent Director
Synchrony Financial Supply Chain
Synchrony Financial Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | Conn's | 0.74 | 0.79 | 0.93 | |
| 2 | 0.57 | 0.30 | 0.89 | ||
| 3 | 0.91 | 0.61 | 0.86 | ||
| 4 | 0.89 | 0.76 | 0.85 | ||
| 5 | 0.54 | 0.23 | 0.85 |
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | -0.87 | -0.85 | — | ||
| 2 | Old COPPER Company Inc | 0.76 | — | — | |
| 3 | -0.83 | -0.84 | — | ||
| 4 | -0.67 | 0.34 | — | ||
| 5 | 0.04 | 0.43 | -0.46 |
Frequently asked questions about Synchrony Financial
Synchrony Financial operates under the business model of providing consumer financial services. As a leading consumer financial services company, Synchrony offers a range of credit products and promotional financing solutions for retail partners across various industries. Their business model revolves around partnering with retailers, healthcare providers, and other businesses to offer consumers financing options, such as private label credit cards, installment loans, and loyalty programs. Synchrony Financial aims to help businesses drive sales and build customer loyalty by providing convenient and flexible financing solutions, ultimately enriching the shopping experience for consumers.
Synchrony Financial is primarily active in the financial services industry.
Synchrony Financial faces competition from various companies operating in the financial services industry. Some of the main competitors of Synchrony Financial include American Express, Capital One Financial, Discover Financial Services, and PayPal Holdings. These companies are also significant players in the market, offering similar products and services such as credit cards, consumer loans, and payment solutions. Synchrony Financial aims to distinguish itself through its customer-focused approach, tailored financing options, and strategic partnerships with retailers across various industries.
Synchrony Financial, a leading consumer financial services company, has a rich history and background. Established in 2003 as a subsidiary of General Electric, Synchrony Financial became an independent company in 2014 when it completed its initial public offering. With its headquarters in Stamford, Connecticut, Synchrony Financial offers a wide range of financial products and services, including credit cards, installment lending, and savings products. The company partners with various retailers nationwide, providing customized credit programs to their customers. Synchrony Financial has grown to become one of the largest providers of private label credit cards in the United States, serving millions of consumers and businesses.
Synchrony Financial has accomplished several significant milestones. As a leading consumer financial services company, Synchrony has achieved consistent growth and success over the years. It became a standalone company in 2014 after separating from General Electric. Since then, it has expanded its capabilities and strengthened its position in the market. Synchrony Financial has also established strategic partnerships with numerous well-known brands, enabling it to provide customized financial solutions to their customers. Moreover, the company has been recognized for its commitment to innovation and customer service, earning accolades such as being named one of the World's Most Admired Companies by Fortune magazine.
Synchrony Financial is primarily present in the United States, serving customers across all 50 states. With its headquarters in Stamford, Connecticut, the company provides financial services to a diverse range of customers, including individuals, retailers, and merchants. As one of America's largest consumer financial services companies, Synchrony Financial has built a strong presence throughout the nation, offering various credit solutions, banking services, and savings products tailored to meet the needs of American consumers.
Synchrony Financial represents a strong set of values and a corporate philosophy focused on customer-centricity, innovation, and expertise. Committed to delivering exceptional financial services, the company prioritizes creating meaningful partnerships with its customers and helping them achieve their financial goals. Synchrony Financial believes in providing seamless digital experiences and personalized solutions. With a commitment to responsible lending and sustainable practices, the company aims to promote financial inclusion for all. Synchrony Financial's dedication to excellence, trust, and integrity makes it a reputable player in the financial industry.
Analysts currently set an average price target of 93.01 USD for the Synchrony Financial stock (median: 94.86 USD), implying +22.7 % versus the latest price. The consensus is based on 27 analyst ratings.
27 analysts currently rate the Synchrony Financial stock: 20 recommend buying, 7 holding and 0 selling. For 2026, analysts expect Synchrony Financial to generate revenue of 15.19 B USD and earnings per share of 8.70 USD.
Converted at the current exchange rate, the Synchrony Financial share trades at 65.84 EUR (75.79 USD).
The Synchrony Financial share (SYF) is listed on 8 stock exchanges, including: NYSE (SYF), XETRA (SFE.DE), Frankfurt (SFE.F), München (SFE.MU), Düsseldorf (SFE.DU), London (0LC3.L), London (0LC3.L), SIX (Zürich) (SFE.SW).
Synchrony Financial is a financial company that offers various financial products and services. Its business model focuses on three core areas: credit cards, consumer loans, and deposits. The company partners with retailers to issue private label credit cards, providing discounts, loyalty rewards, and other benefits. Additionally, Synchrony Financial offers consumer loans for major purchases and special medical expense loans. The company also provides deposit products such as savings and checking accounts and CDs. Synchrony Financial utilizes innovative technologies, like the Synchrony Digital Suite, to enhance the customer experience. It prioritizes compliance and customer support, managing risks and adhering to regulations. In summary, Synchrony Financial aims to meet a wide range of customer needs through its diverse financial products and services, emphasizing innovation, technology, compliance, and customer support to foster trust and loyalty.
The expected revenue of Synchrony Financial is 15.19 B USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Synchrony Financial is 3.25 B USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Synchrony Financial is currently 8.71. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Synchrony Financial stock.
The price-to-sales ratio (P/S) of Synchrony Financial is currently 1.87. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Synchrony Financial stock.
The Eulerpool Quality Score for Synchrony Financial is 3/10.
The ISIN of Synchrony Financial is US87165B1035. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Synchrony Financial is A117UJ. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Synchrony Financial is SYF. The ticker symbol is used to trade Synchrony Financial shares on the stock exchange.
Over the past 12 months, Synchrony Financial paid a dividend of 1.15 USD . This corresponds to a dividend yield of about 1.52 %. For the coming 12 months, Synchrony Financial is expected to pay a dividend of 1.27 USD.
The current dividend yield of Synchrony Financial is 1.52 %.
Synchrony Financial pays a dividend, distributed in the months of , , , .
Synchrony Financial paid dividends every year for the past 10 years.
For the upcoming 12 months, dividends amounting to 1.27 USD are expected. This corresponds to a dividend yield of 1.67 %.
Synchrony Financial is assigned to the 'Finance' sector.
In the year 2025, Synchrony Financial distributed 1 USD as dividends.
The dividends of Synchrony Financial are distributed in USD.
Synchrony Financial stock
Synchrony Financial Peer Group
Synchrony Financial Ticker
Synchrony Financial FIGI
All fundamentals and in-depth analysis of Synchrony Financial
Our stock analysis for Synchrony Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Synchrony Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.