Synchrony Financial/$SYF
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Synchrony Financial
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
- Ticker
- $SYF
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 20,000
- Headquarters
- Stamford, United States
- Website
- www.synchrony.com
SYF Metrics
BasicAdvanced
$24B
7.54
$9.77
1.31
$1.24
1.85%
Price and volume
Market cap
$24B
Beta
1.31
52-week high
$88.77
52-week low
$63.08
Average daily volume
3M
Dividend rate
$1.24
Financial strength
Dividend payout ratio (TTM)
14.30%
Profitability
Net profit margin (TTM)
35.51%
Operating margin (TTM)
49.39%
Effective tax rate (TTM)
23.75%
Revenue per employee (TTM)
$500,000
Management effectiveness
Return on assets (TTM)
2.90%
Return on equity (TTM)
20.79%
Valuation
Price to earnings (TTM)
7.544
Price to revenue (TTM)
2.588
Price to book
1.58
Price to tangible book (TTM)
1.91
Price to free cash flow (TTM)
2.667
Free cash flow yield (TTM)
37.49%
Free cash flow per share (TTM)
27.622
Dividend yield (TTM)
1.68%
Forward dividend yield
1.85%
Growth
Revenue change (TTM)
7.87%
Earnings per share change (TTM)
18.91%
3-year revenue growth (CAGR)
8.78%
3-year earnings per share growth (CAGR)
21.33%
10-year earnings per share growth (CAGR)
14.06%
3-year dividend per share growth (CAGR)
9.26%
What the Analysts think about SYF
Analyst ratings (Buy, Hold, Sell) for Synchrony Financial stock.
Analyst projections of the future price of Synchrony Financial stock.
Bulls say / Bears say
Purchase volume rose 8.1% to a record $49.8 billion in the second quarter, and management expects mid-single-digit loan growth and $9.25–$9.50 diluted EPS for 2026. That outlook gives the business room to grow if spending momentum holds. (Synchrony Financial)
The new Stripe integration puts CareCredit financing into more providers’ online checkout flows, potentially widening access to its 12 million cardholders without requiring providers to build a separate integration. This could help Synchrony capture more health and wellness spending. (Synchrony Financial)
Credit quality improved year on year in the second quarter: the net charge-off rate fell to 5.43% from 5.70%, while delinquencies edged down to 4.16% from 4.18%. Lower losses can support earnings if the trend continues. (Synchrony Financial)
Net earnings fell 8.5% year on year to $885 million, while the efficiency ratio worsened to 35.8% from 34.1%. Higher costs and a smaller release of credit reserves offset stronger purchase volume and net interest margin. (Synchrony Financial)
Management warned that charge-offs may rise as its newer Walmart loans mature and the effects of looser credit underwriting feed through. That could reverse some of the recent improvement in credit quality. (EarningsCalls.dev)
Loan receivables grew just 2.4% year on year and average active accounts were flat, despite 8.1% growth in purchase volume. Higher customer payment rates are limiting how quickly spending growth turns into a larger loan book. (Synchrony Financial)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2026.
SYF Financial Performance
Revenues and expenses
SYF Earnings Performance
Company profitability
Upcoming events
No upcoming events
SYF News
AllArticlesVideos
Synchrony Financial Likely To Report Lower Q3 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
Benzinga3 days ago
Weave and CareCredit Go Live with Integration That Places Patient Financing Inside the Front-Office Workflow
Business Wire6 days ago
Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook
MarketBeat4 weeks ago
Funds containing SYF
AllUSDGBPEUR
Fund name | Fund size | $SYF weighting |
|---|---|---|
iShares S&P 500 Financials Sector$IUFS | $2.4B | 0.31% |
iShares S&P 500 Financials Sector£UIFS | £1.8B | 0.31% |
Xtrackers S&P 500 Equal Weight£XDWE | $16B | 0.19% |
Xtrackers S&P 500 Equal Weight$XDEW | $16B | 0.19% |
iShares S&P 500 Equal Weight$EWSX | $5.1B | 0.19% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.