Synchrony Financial/$SYF
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
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
$27B
8.22
$9.10
1.50
$1.10
1.60%
Price and volume
Market cap
$27B
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)
8.224
Price to revenue (TTM)
2.943
Price to book
1.7
Price to tangible book (TTM)
1.97
Price to free cash flow (TTM)
2.936
Free cash flow yield (TTM)
34.06%
Free cash flow per share (TTM)
25.49
Dividend yield (TTM)
1.47%
Forward dividend yield
1.60%
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
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
SYF Earnings Performance
Company profitability
SYF News
AllArticlesVideos
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
FAQs
What’s the current market cap for Synchrony Financial stock?
Synchrony Financial (SYF) has a market cap of $27B as of October 27, 2025.
What is the P/E ratio for Synchrony Financial stock?
The price to earnings (P/E) ratio for Synchrony Financial (SYF) stock is 8.22 as of October 27, 2025.
Does Synchrony Financial stock pay dividends?
Yes, the Synchrony Financial (SYF) stock pays dividends to shareholders. As of October 27, 2025, the dividend rate is $1.1 and the yield is 1.6%. 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.