Synchrony Financial

SYF-PA • Financial - Credit Services

$79.92

▲ +0.07 (+0.09%)

Current price

EarningsLatest report: Jun 30, 2026

HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$26.70B

Growth

12.8%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 18.6%Positive revenue growth · 28.0%Positive free cash flow · 27.53Consistent free cash flow · 5/5Reasonable earnings multiple · 8.41

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$79.92

Change0.09%

Shares Out334.10M

Market Cap$26.70B

Enterprise Value$26.94B

52W Range18.41 - 20.80

Beta1.31

P/E7.59

P/S1.34

P/B1.58

P/FCF2.75

EV/Sales1.35

Price$79.92

Change0.09%

Shares Out334.10M

Market Cap$26.70B

Enterprise Value$26.94B

52W Range18.41 - 20.80

Beta1.31

P/E7.59

P/S1.34

P/B1.58

P/FCF2.75

EV/Sales1.35

EV/EBITDA5.44

EV/FCF2.78

Earnings Yield13.18%

FCF Yield36.31%

Dividend Yield1.33%

Gross Margin51.04%

Oper. Margin24.17%

Profit Margin18.58%

Debt/Eq0.91

Current Ratio0.21

Quick Ratio0.21

Revenue 5Y12.80%

FCF 5Y26.64%

Target$88.30

Target Upside10.49%

Target Median$87.50

Target Range80.00 - 104.00

Volume60.59K

Avg Volume57.92K

EPS Surprise0.05

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

84/100

Financial Strength

Debt, cash, stability

32/100

Growth Potential

Revenue and expansion

95/100

Price Attractiveness

Cheap or expensive today

93/100

Why this score▼

Stable or improving margins · 18.6%Positive revenue growth · 28.0%Positive free cash flow · 27.53Consistent free cash flow · 5/5Reasonable earnings multiple · 8.41Weak liquidity · 0.21

Analyst view

Analyst sentiment and price target

SYF

Analyst sentiment

Based on 41 analyst votes · 2026-09-05

79/100

Bullish

Hold

Bearish

Price Target

2026-07-24

Low

$80.00

Mean

$89.42

Median

$89.00

High

$104.00

Company Overview

IPO: 11/7/2019

Industry: Financial - Credit Services

P/B i: 1.58

Debt / Equity i: 0.91

Operating Margin: 24.17%

Net Margin: 18.58%

ROE i: -

ROIC: -

Financial Health

Score6 / 20

Debt / Equity: 0.91

Current Ratio: 0.21

Quick Ratio: 0.21

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

COVIELLO ARTHUR W JR

Transaction: 06/30/2026

BUY

Change

+789

Price

$76.05

Filing

07/02/2026

Type

BUY

GUTHRIE ROY A

Transaction: 06/30/2026

BUY

Change

+789

Price

$76.05

Filing

07/02/2026

Type

BUY

NAYLOR JEFFREY G

Transaction: 06/30/2026

BUY

Change

+1,200

Price

$76.05

Filing

07/02/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
COVIELLO ARTHUR W JR	BUY	+789	$76.05	06/30/2026	07/02/2026
GUTHRIE ROY A	BUY	+789	$76.05	06/30/2026	07/02/2026
NAYLOR JEFFREY G	BUY	+1,200	$76.05	06/30/2026	07/02/2026
Richie Laurel	BUY	+135	$71.38	05/15/2026	05/19/2026
Alves Paget Leonard	BUY	+153	$71.38	05/15/2026	05/19/2026
Parker P.W.	BUY	+14	$71.38	05/15/2026	05/19/2026
MOTHNER JONATHAN S	SELL	-11,258	$34.30	05/15/2026	05/19/2026
MOTHNER JONATHAN S	SELL	-11,258	$71.23	05/15/2026	05/19/2026
MOTHNER JONATHAN S	BUY	+217	$71.38	05/15/2026	05/19/2026
Zane Ellen M	BUY	+14	$71.38	05/15/2026	05/19/2026
NAYLOR JEFFREY G	BUY	+197	$71.38	05/15/2026	05/19/2026
Schaller Bart	BUY	+143	$71.38	05/15/2026	05/19/2026
COLAO DANIEL O	BUY	+14	$71.38	05/15/2026	05/19/2026
ELLINGER DEBORAH G	BUY	+7	$71.38	05/15/2026	05/19/2026
Tiliakos Amy	BUY	+72	$71.38	05/15/2026	05/19/2026
Casellas Alberto	BUY	—	Not reported	05/15/2026	05/19/2026
Casellas Alberto	BUY	+181	$71.38	05/15/2026	05/19/2026
GUTHRIE ROY A	BUY	+152	$71.38	05/15/2026	05/19/2026
COVIELLO ARTHUR W JR	BUY	+14	$71.38	05/15/2026	05/19/2026
DOUBLES BRIAN D	BUY	+1,017	$71.38	05/15/2026	05/19/2026

About the Company

Synchrony Financial

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Source - link

Peers

BBDO FITB IX KB MS MTB SHG TFC WRB

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

Credit Card Balances 90 Days Late Have Nearly Doubled Since 2022. New Delinquencies Have Not Moved.

Consumers are still doing OK, but the people facing material financial strain are really struggling.

Fool - Investing News

Bank of New York Mellon Corp Buys New Position in Synchrony Financial $SYF

Bank of New York Mellon Corp purchased a new position in Synchrony Financial (NYSE: SYF) during the quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The firm purchased 2,546,794 shares of the financial services provider's stock, valued at approximately $193,684,000. Bank of New York Mellon Corp

Defense World

Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report?

Synchrony (SYF) reported earnings 30 days ago. What's next for the stock?

Zacks Investment Research

Synchrony and OpenAI Partner to Drive Growth in Agentic Commerce

SYF is partnering with OpenAI to bring financing, rewards and loyalty into AI-led shopping as agentic commerce gains traction.

Zacks Investment Research

Credit card issuer Synchrony announces partnership with OpenAI

Synchrony Financial announced a collaboration with OpenAI. The partnership allows the artificial intelligence company's models to power the card company's consumer portals.

CNBC

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-21	2.22	2.27	0.05
2026-01-27	2.05	2.07	0.02
2025-10-15	2.26	2.86	0.6
2025-07-22	1.82	2.5	0.68
2025-04-22	1.67	1.89	0.22
2025-01-28	1.93	1.91	-0.02
2024-10-16	1.79	1.94	0.15
2024-07-17	1.35	1.55	0.2
2024-04-24	1.34	1.18	-0.16
2024-01-23	0.93	1.03	0.1
2023-10-24	1.43	1.48	0.05
2023-07-18	1.24	1.32	0.08