Synchrony Financial (SYF)

Currency in USD
72.80
-0.92(-1.25%)
Closed·
72.73-0.07(-0.10%)
·
Earnings results expected in 10 days
SYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
72.7073.52
52 wk Range
63.0888.77
Key Statistics
Prev. Close
73.72
Open
73.38
Day's Range
72.7-73.52
52 wk Range
63.08-88.77
Volume
2.91M
Average Vol. (3m)
3.24M
1-Year Change
7.0273%
Book Value / Share
45.13
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
88.17
Upside
+21.11%
Members' Sentiments
Bearish
Bullish
ProTips
High shareholder yield

Synchrony Financial News & Analysis

Show more

Technical Analysis

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

Analyst Ratings

16 Buy
8 Hold
0 Sell
Ratings:
24 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 88.17
(+21.11% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
BMO Capital
Hold81.00+11.26%-New CoverageOct 08, 2026
UBS
Hold81.00+11.26%87.00MaintainOct 05, 2026
Wolfe Research
Buy90.00+23.63%85.00MaintainAug 25, 2026
UBS
Hold87.00+19.51%84.00MaintainAug 03, 2026
BofA Securities
Buy89.00+22.25%91.00MaintainJul 22, 2026

Synchrony Financial SWOT Analysis


Growth Trajectory
Loan portfolio stabilization emerges as year-over-year declines moderate from 2.0% to 0.9%, supported by robust 15% new account origination growth and aggressive 13% buyback program
Partnership Economics
Revenue share arrangements face mounting pressure as merchant economics shift unfavorably, threatening profitability margins and partnership retention despite strong credit performance
Analyst Targets
Price targets range from neutral positioning to $93, with firms split between concerns over valuation at current levels and conviction in long-term growth potential
Credit Excellence
Synchrony demonstrates exceptional credit management with net charge-offs declining year-over-year and 2026 guidance targeting 5.5-6.0%, down from 5.65% in fiscal 2025
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q2/2026

  • Synchrony posted Q2 2026 EPS of $2.59, beating estimates by 21% on record $50B purchase volume; revenue slightly missed at $3.73B vs $3.74B forecast.
  • Average active accounts returned to growth after prior declines; loan receivables rose 2% to $102B with net charge-off rate improving 27 bps to 5.43%.
  • Company maintained full-year EPS guidance of $9.25-$9.50, expects mid-single-digit loan growth and net interest margin expansion through year-end.
  • Synchrony raised dividend 13% for fourth consecutive year and continued aggressive buybacks; added 15+ partners including DICK'S and AmeriVet this quarter.
  • Management highlighted AI deployment across 90% of exempt employees, citing efficiency gains; regulatory scrutiny on late fees remains ongoing risk to margins.
Last Updated: 07/21/2026, 09:23 AM
Read Full Transcript
Synchrony Financial investor slides for Q2/2026
Synchrony Q2 2026 slides
Last Update: Jul 21, 2026
See full investor slides

Earnings

Latest Release
Jul 21, 2026
EPS / Forecast
2.59 / 2.14
Revenue / Forecast
3.73B / 3.74B
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 9.77%
Dividend Yield
1.87%
Industry Median 2.70%
Annualized Payout
1.36
Paid quarterly
5-Years Growth
+6.40%
Growth Streak

SYF Income Statement

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
6.9x9.8x9.3x
PEG Ratio
0.361.030.03
Price / Book
1.6x1.2x1.0x
Price / LTM Sales
2.4x3.6x2.9x
Upside (Analyst Target)
21.1%30.8%20.2%
Fair Value Upside
Unlock−8.2%3.0%Unlock

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.

Employees
20000

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
181.52M55.79%13.21B
Other Institutional Investors
170.64M44.21%12.42B
Public Companies & Retail Investors
0.000.00%0.00
Total
352.16M100.00%25.64B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.9.49%30,893,5172,249,048
Vanguard Capital Management, LLC7.35%23,902,5211,740,104

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FAQ

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

The Synchrony Financial stock price today is 72.80 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 1.87%.

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 23.99B USD.

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

The Synchrony Financial EPS (TTM) is 9.77.

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on Oct 20, 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 Neutral.

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 Oct 10, 2026, Synchrony Financial (SYF) is trading at a price of 72.80 USD, with a previous close of 73.72 USD. The stock has fluctuated within a day range of 72.70 USD to 73.52 USD, while its 52-week range spans from 63.08 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 88.17 USD, with a high estimate of 104 USD and a low estimate of 78 USD. 16 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +21.11% Upside potential.

What Is the SYF After Hours Price?

SYF's last after hours stock price is 72.73 USD, the stock has decreased by -0.07, or -0.10%.
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