Synchrony Financial/$SYF

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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

Primary listing

NYSE

Employees

20,000

SYF Metrics

BasicAdvanced
$26B
8.63
$8.21
1.48
$1.10
1.69%

What the Analysts think about SYF

Analyst ratings (Buy, Hold, Sell) for Synchrony Financial stock.

Bulls say / Bears say

Synchrony secured a strategic partnership with Walmart’s fintech OnePay to exclusively power new general-purpose and private-label credit cards launching in fall 2025, tapping into Walmart’s extensive customer base to drive receivables growth and fee income. (Reuters)
Net interest income rose 1% to $4.46 billion in Q1 2025 on lower deposit costs, demonstrating earnings resilience amid funding pressure and supporting stable profitability. (Reuters)
In Q2 2025, net earnings surged 50% to $967 million ($2.50 per diluted share) and net interest margin expanded by 32 basis points to 14.78%, reflecting effective product, pricing and policy changes that boosted returns. (Investing.com)
Synchrony trimmed its full-year 2025 net revenue guidance to $15.0–15.3 billion from $15.2–15.7 billion, reflecting lower projected loan growth and higher partner payouts that may restrain top-line expansion. (Investing.com)
The company’s efficiency ratio worsened to 34.1% in Q2 2025 from 31.7% a year earlier, indicating that rising operating expenses are outpacing revenue growth and pressuring margins. (Investing.com)
Purchase volume and ending loan receivables both declined 2% year-over-year in Q2 2025 to $46.1 billion and $99.8 billion respectively, suggesting muted consumer spending and credit demand that could slow future income. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.

SYF Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

SYF Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.

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