Synchrony Financial/$SYF
13:30
09:10
04:45
00:25
20:00
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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
NON_CLASSIFIED
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
20,000
Website
SYF Metrics
BasicAdvanced
$26B
8.56
$8.21
1.45
$1.05
1.71%
Price and volume
Market cap
$26B
Beta
1.45
52-week high
$73.76
52-week low
$40.55
Average daily volume
3.5M
Dividend rate
$1.05
Financial strength
Dividend payout ratio (TTM)
14.94%
Profitability
Net profit margin (TTM)
35.79%
Operating margin (TTM)
48.26%
Effective tax rate (TTM)
22.49%
Revenue per employee (TTM)
$460,000
Management effectiveness
Return on assets (TTM)
2.73%
Return on equity (TTM)
20.23%
Valuation
Price to earnings (TTM)
8.556
Price to revenue (TTM)
2.952
Price to book
1.66
Price to tangible book (TTM)
1.92
Price to free cash flow (TTM)
2.769
Free cash flow yield (TTM)
36.12%
Free cash flow per share (TTM)
25.378
Dividend yield (TTM)
1.49%
Forward dividend yield
1.71%
Growth
Revenue change (TTM)
4.65%
Earnings per share change (TTM)
15.55%
3-year revenue growth (CAGR)
0.49%
3-year earnings per share growth (CAGR)
6.10%
10-year earnings per share growth (CAGR)
12.02%
3-year dividend per share growth (CAGR)
6.06%
What the Analysts think about SYF
Analyst ratings (Buy, Hold, Sell) for Synchrony Financial stock.
Bulls say / Bears say
Synchrony Financial has reestablished its partnership with Walmart to issue Walmart-branded credit cards, potentially expanding its customer base and increasing revenue streams. (reuters.com)
The company reported strong third-quarter earnings in 2024, with net earnings of $789 million and an upward revision of its full-year EPS guidance, indicating robust financial health. (investing.com)
Analysts have raised their price targets for Synchrony Financial, with Baird increasing its target to $62 and maintaining an 'Outperform' rating, reflecting confidence in the company's performance. (investing.com)
U.S. consumers are reducing spending due to high inflation, which could negatively impact Synchrony Financial's credit card business. (reuters.com)
The company is facing uncertainties related to the Consumer Financial Protection Bureau's late fee rule litigation, which could affect its operations and profitability. (investing.com)
Analysts have expressed concerns about potential declines in purchase volume and credit performance, with expectations of a low single-digit decline in purchase volume for Q4 2024. (investing.com)
Data summarised monthly by Lightyear AI. Last updated on 12 Jul 2025.
SYF Financial Performance
Revenues and expenses
SYF Earnings Performance
Company profitability
SYF News
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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.
Capital at risk
Upcoming events
Aug5
Synchrony Financial
Dividend·Ex-dividend
Aug15
Synchrony Financial
Dividend·Payment
$0.30Per share
FAQs
What’s the current market cap for Synchrony Financial stock?
Synchrony Financial (SYF) has a market cap of $26B as of July 31, 2025.
What is the P/E ratio for Synchrony Financial stock?
The price to earnings (P/E) ratio for Synchrony Financial (SYF) stock is 8.56 as of July 31, 2025.
Does Synchrony Financial stock pay dividends?
Yes, the Synchrony Financial (SYF) stock pays dividends to shareholders. As of July 31, 2025, the dividend rate is $1.05 and the yield is 1.71%. Synchrony Financial has a payout ratio of 14.94% 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 August 15, 2025.
What is the beta indicator for Synchrony Financial?
Synchrony Financial (SYF) has a beta rating of 1.45. 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.