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
Headquarters
Website
SYF Metrics
BasicAdvanced
$26B
8.04
$9.10
1.50
$1.10
1.64%
Price and volume
Market cap
$26B
Beta
1.5
52-week high
$77.41
52-week low
$40.55
Average daily volume
3.6M
Dividend rate
$1.10
Financial strength
Dividend payout ratio (TTM)
14.01%
Profitability
Net profit margin (TTM)
37.07%
Operating margin (TTM)
50.12%
Effective tax rate (TTM)
22.99%
Revenue per employee (TTM)
$480,000
Management effectiveness
Return on assets (TTM)
3.03%
Return on equity (TTM)
21.64%
Valuation
Price to earnings (TTM)
8.043
Price to revenue (TTM)
2.878
Price to book
1.66
Price to tangible book (TTM)
1.93
Price to free cash flow (TTM)
2.871
Free cash flow yield (TTM)
34.83%
Free cash flow per share (TTM)
25.49
Dividend yield (TTM)
1.50%
Forward dividend yield
1.64%
Growth
Revenue change (TTM)
7.08%
Earnings per share change (TTM)
18.70%
3-year revenue growth (CAGR)
3.99%
3-year earnings per share growth (CAGR)
12.87%
10-year earnings per share growth (CAGR)
13.22%
3-year dividend per share growth (CAGR)
-1.52%
What the Analysts think about SYF
Analyst ratings (Buy, Hold, Sell) for Synchrony Financial stock.
Bulls say / Bears say
Net earnings climbed to $1.06 billion, or $2.86 per share, beating analyst forecasts of $2.23 per share in Q3 2025 (WSJ).
Net interest income rose 2.4% year-over-year to $4.72 billion, strengthening core lending profits despite higher rates (Reuters).
Provision for credit losses dropped by 28.2% (a $451 million decrease), helped by reserve releases and lower net charge-offs, showing improved asset quality (Reuters).
Average active accounts fell 3% year-over-year to 68.3 million, reflecting customer attrition and weaker engagement (WSJ).
Revenue growth was sluggish, rising just 0.2% to $3.82 billion year-over-year, indicating stagnant sales momentum (WSJ).
Purchase volume grew a modest 2.3%, pointing to limited growth in consumer spending (WSJ).
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 2025.
SYF Financial Performance
Revenues and expenses
SYF Earnings Performance
Company profitability
SYF News
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FAQs
What’s the current market cap for Synchrony Financial stock?
Synchrony Financial (SYF) has a market cap of $26B as of November 10, 2025.
What is the P/E ratio for Synchrony Financial stock?
The price to earnings (P/E) ratio for Synchrony Financial (SYF) stock is 8.04 as of November 10, 2025.
Does Synchrony Financial stock pay dividends?
Yes, the Synchrony Financial (SYF) stock pays dividends to shareholders. As of November 10, 2025, the dividend rate is $1.1 and the yield is 1.64%. Synchrony Financial has a payout ratio of 14.01% on a trailing twelve-month basis.
When is the next Synchrony Financial dividend payment date?
The next Synchrony Financial (SYF) dividend payment is scheduled for November 17, 2025.
What is the beta indicator for Synchrony Financial?
Synchrony Financial (SYF) has a beta rating of 1.5. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.