Synchrony Financial/$SYF
1D1W1MYTD1Y5YMAX
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
$23B
7.32
$9.77
1.31
$1.24
1.90%
Price and volume
Market cap
$23B
Beta
1.31
52-week high
$88.77
52-week low
$63.08
Average daily volume
3.2M
Dividend rate
$1.24
Financial strength
Dividend payout ratio (TTM)
14.30%
Profitability
Net profit margin (TTM)
35.51%
Operating margin (TTM)
48.48%
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)
7.322
Price to revenue (TTM)
2.511
Price to book
1.53
Price to tangible book (TTM)
1.85
Price to free cash flow (TTM)
2.589
Free cash flow yield (TTM)
38.63%
Free cash flow per share (TTM)
27.622
Dividend yield (TTM)
1.73%
Forward dividend yield
1.90%
Growth
Revenue change (TTM)
7.87%
Earnings per share change (TTM)
18.94%
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
Record purchase volume reached an all-time high of $49.8 billion in Q2, up 8% year-over-year, driven by strong consumer engagement across co-branded and private-label platforms (Boursorama).
Net interest income rose 2% to $4.60 billion, supported by lower funding costs and higher loan yields, boosting core earnings power (Bitget News).
Disciplined credit management kept net charge-offs below target levels, enabling management to raise the low end of its 2026 EPS guidance to $9.25 from $9.10 per share (Boursorama).
Q2 net earnings declined 8% year-on-year to $885 million, underscoring pressure on profitability despite revenue gains (Bitget News).
Efficiency ratio deteriorated by 170 basis points to 35.8%, driven by higher technology investment and operational losses, squeezing operating leverage (SEC 8-K).
Return on equity fell 170 basis points to 21.4%, indicating reduced capital efficiency in a competitive consumer finance market (SEC 8-K).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
SYF Financial Performance
Revenues and expenses
SYF Earnings Performance
Company profitability
Upcoming events
No upcoming events
SYF News
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Funds containing SYF
AllUSDGBPEUR
Fund name | Fund size | $SYF weighting |
|---|---|---|
iShares S&P 500 Financials Sector$IUFS | $2.4B | 0.31% |
iShares S&P 500 Financials Sector£UIFS | £1.8B | 0.31% |
iShares S&P 500 Equal Weight€O4J0 | €4.3B | 0.19% |
iShares S&P 500 Equal Weight£EWSP | £3.7B | 0.19% |
iShares MSCI USA SRI$SUAS | $3.4B | 0.16% |
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.
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