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Synchrony Financial

SYF-PB • Financial - Credit Services
$73.91
▲ +0.55 (+0.75%)
Current price
EarningsOct 20, 11:06 AM UTC
New financial eventQ3 2026Negative

Synchrony Financial has reported Q3 2026 financial results

The latest report contains several weaker financial signals that deserve attention. Growth, profitability, cash generation, or financial strength may have deteriorated. The report may attract increased investor attention and price volatility.

Finzati signal
Caution warranted
Oct 20, 11:06 AM UTC
Changed
-100.00%
Revenue
Changed
-17.18%
Net income
Changed
-4.56%
Free cash flow
Changed
-16.14%
Cash
Improved
-100.00%
Total debt
What changed
↓Revenue declined 100.0% versus the comparable prior period, indicating weaker top-line performance.
↓Net income declined 17.2%, showing weaker profitability.
↓Total debt declined 100.0%, modestly improving financial flexibility.
↓Cash and short-term investments declined 16.1%.
Based on newly processed financial statements and comparable prior-period data.This is informational analysis, not investment advice.
Financial data as of: Sep 30, 2026, 12:00 AM UTCLast earnings update: Oct 20, 2026, 11:06 AM UTCLast profile update: Oct 20, 2026, 12:09 PM UTC

Company Snapshot

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

Price$73.91
Change0.75%
Shares Out322.40M
Market Cap$23.65B
Enterprise Value$7.75B
52W Range24.93 - 26.73
Beta1.31
P/E7.10
P/S1.57
P/B1.43
P/FCF2.44
EV/Sales0.51

Investment DNA

How strong this company looks for long-term investors

84
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 · 2026-10-20
79/100
Bullish
Bullish
25
Hold
15
Bearish
1
Price Target
2026-10-20
Low
$80.00
Mean
$87.50
Median
$85.50
High
$104.00

Company Overview

IPO: 2/16/2024
Industry: Financial - Credit Services
P/B i: 1.43
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

ELLINGER DEBORAH G
Transaction: 09/30/2026
BUY
Change
+846
Price
$70.97
Filing
10/02/2026
Type
BUY
GUTHRIE ROY A
Transaction: 09/30/2026
BUY
Change
+846
Price
$70.97
Filing
10/02/2026
Type
BUY
Chytil Kamila K
Transaction: 09/30/2026
BUY
Change
+846
Price
$70.97
Filing
10/02/2026
Type
BUY