Synchrony Financial (SYF)

NYSE
Currency in USD
61.10
-0.26(-0.42%)
Closed·
After Hours
59.92-1.18(-1.93%)
·
SYF Scorecard
Full Analysis
Management has been aggressively buying back shares
SYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
60.6661.51
52 wk Range
40.5570.93
Key Statistics
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Prev. Close
61.36
Open
61.14
Day's Range
60.66-61.51
52 wk Range
40.55-70.93
Volume
5.57M
Average Vol. (3m)
5.02M
1-Year Change
35.24%
Book Value / Share
39.51
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
62.19
Upside
+1.78%
Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 3 consecutive years
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Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company 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 securities brokerage firms. In addition, it 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, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company 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

Synchrony Financial SWOT Analysis


Earnings Trajectory
Analysts project EPS growth to $9 by FY 2026, with an average price target of $73.25, reflecting optimism amid economic uncertainties
Digital Finance Frontie
Learn how Synchrony is capitalizing on the shift to online retail and Buy Now Pay Later services, positioning for growth in evolving consumer finance
Regulatory Navigation
Delve into Synchrony's proactive strategies to mitigate potential impacts from changing late fee regulations, aiming for neutrality by 2025
Credit Resilience
Explore Synchrony's improving credit trends, with stabilizing delinquency rates and net charge-offs aligning with analyst expectations
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q1/2025

  • Synchrony Financial surpassed Q1 2025 forecasts with EPS of $1.89 and revenue of $4.46 billion, beating estimates by 13.2% and 17.7% respectively
  • Net earnings reached $757 million, with return on average assets at 2.5% and return on tangible common equity at 22.4%
  • Company expects low single-digit growth in loan receivables for 2025, with full-year net revenue guidance of $15.2-$15.7 billion
  • Renewed partnerships with major brands like Sun Country Airlines and Ashley Furniture, despite 4% decrease in purchase volume year-over-year
  • Stock price rose 0.53% in pre-market trading; company maintains 'GREAT' financial health score of 3.09 according to InvestingPro analysis
Last Updated: 04/22/2025, 09:34 AM
Read Full Transcript

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
8.1x14.5x8.9x
PEG Ratio
1.69−0.110.03
Price / Book
1.5x1.0x1.0x
Price / LTM Sales
2.7x2.5x2.7x
Upside (Analyst Target)
0.2%13.4%12.3%
Fair Value Upside
Unlock0.8%2.9%Unlock

Analyst Ratings

14 Buy
8 Hold
0 Sell
Ratings:
22 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 62.19
(+1.78% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 7.36%
Dividend Yield
1.96%
Industry Median 4.27%
Annualized Payout
1.20
Paid quarterly
5-Years Growth
+2.82%
Growth Streak

Earnings

Latest Release
Apr 22, 2025
EPS / Forecast
1.89 / 1.67
Revenue / Forecast
4.46B / 3.79B
EPS Revisions
Last 90 days

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FAQ

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

The Synchrony Financial stock price today is 61.10

What Stock Exchange Does Synchrony Financial Trade On?

Synchrony Financial is listed and trades on the New York Stock Exchange 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 1.96%.

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 23.35B.

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

The Synchrony Financial EPS (TTM) is 7.36.

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on Jul 22, 2025.

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.
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