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SYF Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
77.720
Open
77.340
VWAP
76.23
Vol
2.70M
Mkt Cap
25.40B
Low
75.440
Amount
206.13M
EV/EBITDA(TTM)
3.43
Total Shares
336.37M
EV
23.01B
EV/OCF(TTM)
2.48
P/S(TTM)
1.36
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
Show More

Events Timeline

(ET)
2026-06-29
16:30:00
Synchrony Appoints New CEO for Digital Platform
select
2026-04-30 (ET)
2026-04-30
10:40:00
Synchrony Expands Partnership with Lowe's to Launch New Card
select

News

Fool
9.5
07-04Fool
Analysis of Synchrony's Financial Risks and Opportunities
  • Financial Risk Exposure: Synchrony's partnerships with retailers like Amazon and Walmart allow it to provide revolving credit, attracting many customers but also exposing it to lower credit quality risks, particularly during economic downturns which could pressure its business.
  • Stable Delinquency Rates: The 30-day delinquency rate stood at 4.5% in Q1 2026, unchanged from Q4 2025, indicating relative stability in customer repayment ability, while the 90-day delinquency rate saw a slight increase, yet remains manageable overall.
  • Charge-Off Improvement: Although net charge-offs rose to 5.4% from Q4 2025, this marks a significant improvement from nearly 6.4% a year ago, suggesting that customers' financial conditions are improving, which bolsters investor confidence.
  • Enhanced Shareholder Returns: The announcement of a 13% dividend increase and a $6.5 billion stock repurchase program, alongside a current P/E ratio of 7.9x exceeding its five-year average, indicates that the company remains attractive even amid economic uncertainties, appealing to risk-tolerant investors.
NASDAQ.COM
9.5
07-04NASDAQ.COM
Analysis and Outlook on Synchrony's Financial Status
  • Credit Risk Profile: Synchrony primarily serves lower-credit-quality consumers with private-label credit cards, which can be profitable in strong economic conditions but pose higher default risks during recessions, prompting investors to monitor key metrics like delinquency and charge-off rates closely.
  • Stable Delinquency Rates: The 30-day delinquency rate stood at 4.5% in Q1 2026, unchanged from Q4 2025, indicating relative stability in customer financial health, although the 90-day rate saw a slight increase, the overall trend remains stable without significant deterioration.
  • Dividend and Buyback Initiatives: The announcement of a 13% dividend increase and a $6.5 billion stock repurchase program reflects confidence in future cash flows, with a current P/E ratio of 7.9, above the five-year average, suggesting market optimism about the company's future performance.
  • Investor Strategy: While economic risks are rising, conservative investors may prefer to stay on the sidelines, whereas those willing to take risks might find Synchrony's retailer-focused strategy appealing, believing it provides a competitive edge in the market.
CNBC
4.0
06-30CNBC
Uncertain Federal Reserve Rate Policy Outlook
  • Rate Hike Expectations: As the second half of 2026 begins, market expectations for a Federal Reserve rate hike are rising, with the CME Group FedWatch tool indicating nearly a 67% probability of a hike in September, which could impact investor savings yields.
  • Deposit Rate Adjustments: Banks are fine-tuning deposit rates in a high-rate environment, with the average annual percentage yield (APY) on 1-year CDs rising by 19 basis points quarter-to-date, and some banks offering new money rates approximately 35 basis points above the industry average.
  • Short-Term Investment Opportunities: For investors with short-term goals, both Bread Financial and Citi are offering a 4% yield on 1-year CDs, while Popular Direct is providing a 4.15% yield for the same maturity, attracting those seeking stable returns.
  • Flexible Deposit Options: Synchrony offers a 4% APY on 13-month instruments, while Happen Bank touts a 4.15% yield on 11-month CDs, indicating strong market demand for deposits across various maturities.
seekingalpha
5.0
06-29seekingalpha
Synchrony Financial Appoints New Executives to Drive Digital Transformation
  • Executive Changes: Synchrony Financial has appointed Carol Juel as executive vice president and CEO of its digital platform, succeeding Bart Schaller, who retired after a 35-year tenure, indicating a strategic shift towards enhancing innovation and customer experience in the digital space.
  • Technology Leadership: Juel previously served as executive vice president and chief technology and operating officer, where she modernized platforms and improved customer experiences, which is expected to strengthen consumer financing capabilities with digital-first partners like Amazon, PayPal, and Verizon.
  • New CTO Appointment: Florin Arghirescu has been promoted to executive vice president and chief technology officer, tasked with leading the enterprise technology strategy and execution, including the AI agenda, bringing over 25 years of experience in technology and product development to the role.
  • HR Expansion: DJ Casto will expand his role as executive vice president and chief people and operations officer, continuing to lead human resources while also overseeing operations, including servicing, collections, and customer care, reflecting the company's commitment to enhancing operational efficiency and customer service.
PRnewswire
5.0
06-29PRnewswire
Synchrony Announces Executive Changes to Drive Digital Transformation
  • Executive Appointment: Carol Juel has been named CEO of Synchrony's Digital platform, succeeding Bart Schaller, who is retiring after 35 years; Juel will focus on innovation and customer experience with digital-first partners like Amazon and PayPal.
  • Technology Leadership Boost: Florin Arghirescu has been promoted to Chief Technology Officer, overseeing enterprise technology strategy and execution, particularly the AI agenda, leveraging over 25 years of experience to accelerate technological advancements.
  • Operational Management Expansion: DJ Casto will expand his role to Chief People and Operations Officer, continuing to lead HR while taking charge of operations, emphasizing service quality and customer experience to enhance operational excellence.
  • Strategic Vision: The new leadership team aims to drive AI adoption and develop emerging areas, ensuring Synchrony's continued growth and value creation in the financial services sector, reinforcing its significant role in the U.S. economy.
PRnewswire
9.5
06-23PRnewswire
Synchrony to Report Q2 2026 Earnings on July 21
  • Earnings Release Schedule: Synchrony plans to report its Q2 2026 earnings on July 21, 2026, with related materials expected to be released at approximately 6:00 a.m. Eastern Time, showcasing the company's financial performance and future outlook.
  • Conference Call Details: Following the earnings release, Synchrony will hold a conference call at 8:00 a.m. Eastern Time on the same day to discuss the financial results, allowing investors to access the live audio webcast and replay through the company’s website, enhancing transparency and investor communication.
  • Company Overview: Synchrony is a leading consumer financing company that has been central to American commerce and opportunity for nearly a century, dedicated to providing credit and banking products that empower tens of millions of consumers to improve their financial lives.
  • Commitment to Service and Culture: Ranked as the #1 Best Company to Work For® in the U.S. by Fortune magazine and Great Place to Work®, Synchrony demonstrates its commitment to excellence in service and corporate culture, further solidifying its leadership position in the retail finance sector.
Wall Street analysts forecast SYF stock price to rise
15 Analyst Rating
Wall Street analysts forecast SYF stock price to rise
10 Buy
5 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
83.00
Averages
94.60
High
101.00
Current: 0.000
sliders
Low
83.00
Averages
94.60
High
101.00
UBS
Neutral
maintain
$77 -> $84
AI Analysis
2026-07-07
New
Reason
UBS
Price Target
$77 -> $84
AI Analysis
2026-07-07
New
maintain
Neutral
Reason
UBS raised the firm's price target on Synchrony to $84 from $77 and keeps a Neutral rating on the shares.
Truist
Brian Foran
Hold
maintain
$71 -> $82
2026-04-23
Reason
Truist
Brian Foran
Price Target
$71 -> $82
2026-04-23
maintain
Hold
Reason
Truist analyst Brian Foran raised the firm's price target on Synchrony to $82 from $71 and keeps a Hold rating on the shares. The firm is positive on the company's better credit growth and bigger buyback, the analyst tells investors in a research note. Active accounts seem partly down to less big-ticket promo financing however, the firm added.
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Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 8.12, compared to its 5-year average forward P/E of 7.31. For a more detailed relative valuation and DCF analysis to assess Synchrony Financial's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.31
Current PE
8.12
Overvalued PE
8.44
Undervalued PE
6.18

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.42
Current EV/EBITDA
2.60
Overvalued EV/EBITDA
1.77
Undervalued EV/EBITDA
-0.94

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.49
Current PS
1.59
Overvalued PS
1.94
Undervalued PS
1.04

Financials

AI Analysis
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Whales Holding SYF

H
Hosking Partners LLP
Holding
SYF
+15.43%
3M Return
H
Heritage Investors Management Corp
Holding
SYF
+14.19%
3M Return
B
BBK Gestion SGIIC SA
Holding
SYF
+13.46%
3M Return
C
C.S. McKee, L.P.
Holding
SYF
+13.36%
3M Return
J
Jacobs Levy Equity Management Inc
Holding
SYF
+12.08%
3M Return
L
Livförsäkringsbolaget Skandia, ömsesidigt
Holding
SYF
+11.79%
3M Return

Trading Trends

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Frequently Asked Questions

What is Synchrony Financial (SYF) stock price today?

The current price of SYF is 75.52 USD — it has decreased -1.99

What is Synchrony Financial (SYF)'s business?

Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.

What is the price predicton of SYF Stock?

Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is94.60 USD with a low forecast of 83.00 USD and a high forecast of 101.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Synchrony Financial (SYF)'s revenue for the last quarter?

Synchrony Financial revenue for the last quarter amounts to 5.13B USD, increased 4.16

What is Synchrony Financial (SYF)'s earnings per share (EPS) for the last quarter?

Synchrony Financial. EPS for the last quarter amounts to 2.27 USD, increased 20.11

How many employees does Synchrony Financial (SYF). have?

Synchrony Financial (SYF) has 20000 emplpoyees as of July 08 2026.

What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 25.40B USD.