Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

SYF stock hub

Synchrony Financial has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

24.6B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

SYF

In the news

Latest news · SYF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.6

P25 8.8P50 10.4P75 13.1

Trailing P/E7.5

P25 10.9P50 14.7P75 36.2

ROE21.8

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All SYF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

221

Groups with data

Currency

USD

Showing 221 of 221 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001601712
Company name	Synchrony Financial
Country	United States
Country code	US
Cusip	87165B103
Employees	20,000
Employees Change	0%
Employees Change Percent	0
Enterprise value	$20.5B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
In Index	SP500
Industry	Credit Services
Isin	US87165B1035
Last refreshed	2026-05-10
Market cap	$24.6B
Market cap category	Large-Cap
Price	$73.14
Price currency	USD
Rev Per Employee	494,600x
Sector	Financials
Sic	6199
Symbol	SYF
Website	https://www.synchrony.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	14.3%
EV Earnings	5.82x
EV Sales Forward	1.1x
EV/Sales	2.07x
Forward P/E	7.62x
P/B ratio	1.62x
P/E ratio	7.55x
P/S ratio	2.49x
PE Ratio10 Y	8.09x
PE Ratio3 Y	6.91x
PE Ratio5 Y	6.33x
PEG ratio	0.83x
PS Forward	1.32x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$9.9B
Net Income	$3.5B
Net Income Growth	21.5%
Net Income Growth Q	6.34%
Net Income Growth Quarters	1%
Net Income Growth Years	2%
Net Income Growth3 Y	10.01%
Net Income Growth5 Y	11.06%
Pretax Margin	47.35%
Profit Margin	36.39%
Profit Per Employee	$175,850
Profitable Years	15
ROA	2.96
Roa5y	3.07
ROE	21.78
Roe5y	23.15

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.88%
Cagr1y	38.33%
Cagr3y	41.8%
Cagr5y	12.24%
Div CAGR3	9.26%
Div CAGR5	6.4%
EPS Growth	33.28
EPS Growth Q	20.11
EPS Growth Quarters	4
EPS Growth Years	2
EPS Growth3 Y	19.28
EPS Growth5 Y	22.2
OCF Growth	0.35%
OCF Growth Q	-0.77%
OCF Growth10 Y	5.03%
OCF Growth3 Y	11.03%
OCF Growth5 Y	4.77%
Revenue Growth	13.64x
Revenue Growth Q	6.11x
Revenue Growth Quarters	4x
Revenue Growth Years	2x
Revenue Growth3 Y	7.62x
Revenue Growth5 Y	8.06x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$121.5B
Cash	$20.6B
Debt	$16.4B
Equity	$16.5B
Liabilities	$105B
Net Cash	$4.1B
Net Cash By Market Cap	$16.79
Net Cash Growth	-10.58%
Net Debt Equity	$-0.25
Tangible Book Value	$12.7B
Tangible Book Value Per Share	$37.59
WACC	7.04

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-66.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	8.3%
Dividend Growth	14.29%
Dividend Growth Years	4%
Dividend per share	$1.2
Dividend Years	11
Dividend Yield	1.64%
Ex Div Date	2026-05-05
Last Dividend	$0.3
Payout Frequency	Quarterly
Payout Ratio	12.38%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	207.2%
1Y total return	38.29%
200-day SMA	74.27
3Y total return	185.19%
50-day SMA	70.79
50-day SMA vs 200-day SMA	50under200
5Y total return	78.13%
All Time High	88.77
All Time High Change	-17.61%
All Time High Date	2026-01-09
All Time Low	12.15
All Time Low Change	501.98%
All Time Low Date	2020-03-18
ATR	1.82
Beta	1.36
Beta1y	1.48
Beta2y	1.47
Ch YTD	-12.33
High	74.43
High52	88.77
High52 Date	2026-01-09
High52ch	-17.61%
Low	72.83
Low52	54.36
Low52 Date	2025-05-08
Low52ch	34.55%
Ma50ch	3.33%
Price vs 200-day SMA	-1.52%
RSI	46.72
RSI Monthly	58.31
RSI Weekly	49.9
Sharpe ratio	1.09x
Sortino ratio	1.74
Total Return	9.94%
Tr YTD	-11.62
Tr1m	6.66%
Tr1w	-3.07%
Tr3m	-2.29%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	19
Analyst Count Top	7
Analyst Price Target Top	$82
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$2.2
Earnings EPS Estimate Growth	16.4
Earnings Revenue Estimate	4,132,763,504x
Earnings Revenue Estimate Growth	-7.42x
Operating Income	$4.9B
Operating margin	49.74
Price target	$84.83
Price Target Change	$15.98
Price Target Change Top	$12.11

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	334,579,913%
Float Percent	99.47%
Net Borrowing	-595,000,000
Shares Insiders	0.34%
Shares Institutions	108.82%
Shares Out	336,370,242
Shares Qo Q	-3.19%
Shares Yo Y	-8.3%
Short Float	4.38%
Short Ratio	4.15
Short Shares	4.36

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	3,879,777.45x
Bv Per Share	45.27
Ch10y	143.2
Ch1m	6.23
Ch1w	-3.46
Ch1y	36.02
Ch3m	-2.69
Ch3y	167.5
Ch5y	59.35
Ch6m	-0.07
Change	-1.16%
Change From Open	-1.73
Close	74
Days Gap	0.58
Dollar Volume	297,669,487.3
Earnings Date	2026-04-21
Earnings Time	bmo
EPS	$9.69
F Score	4
Financing CF	-4,975,000,000
Fiscal Year End	December
Founded	1,932
Goodwill	1,363,000,000
Graham Number	99.36284
Graham Upside	35.85
Income Tax	$1.1B
Investing CF	-6,933,000,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-21
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-06
Lynch Fair Value	$107
Lynch Upside	46.52
Ma150	74.64
Ma150ch	-2.01%
Ma20	75.85
Ma20ch	-3.58%
Net CF	-2,074,000,000
Next Earnings Date	2026-07-21
Open	74.43
Optionable	Yes
P OCF Ratio	2.5
Payment Date	2026-05-15
Position In Range	19.38
Post Close	73.14
Postmarket Change Percent	-1.15
Postmarket Price	$72.3
Price Date	2026-05-08
Ptbv Ratio	1.94
Relative Volume	1.05x
Revenue	9,892,000,000x
Tax By Revenue	10.96x
Tax Rate	23.14%
Tr6m	0.75%
Us State	Connecticut
Volume	4,069,859

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

SYF dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.6%

$1.20 annual per share

Payout ratio

+12.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.4%

4 consecutive years of growth

Total shareholder yield

+9.9%

Next ex-dividend date: 2026-05-05

Performance

SYF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns SYF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+108.8%

Float: +99.5% of shares outstanding

Insider ownership

+0.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

SYF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

46.7

Neutral momentum band

Price vs 200-day MA

-1.5%

50/200-day relationship not available

Beta (5Y)

1.36

More volatile than the market

Sharpe ratio

1.09

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

SYF vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Verminderen
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Verminderen
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Verminderen

Questions

About SYF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current SYF stock rating?

Synchrony Financial is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full SYF analysis?

The full report lives at /stocks/SYF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for SYF?

The latest report frames SYF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the SYF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.