Synchrony Financial

SYF-PA • Financial - Credit Services

$79.92

▲ +0.07 (+0.09%)

Precio actual

ResultadosÚltimo reporte: 30 jun 2026

PERFIL MUY FAVORABLEExcelenteConfianza: 70%

Perfil cuantitativo — no constituye una recomendación de inversión.

Perfil cuantitativo — no constituye una recomendación de inversión.Metodología

Tesis del análisis: Alta calidad del negocio, con crecimiento y flujo de caja que respaldan el caso. La valoración todavía importa, pero el historial de ratios es favorable.

Capitalización

$26.70B

Crecimiento

12.8%

Flujo de caja

5/5

Tendencia

Stable

Evidencia

Márgenes estables o en mejora · 18.6%Crecimiento positivo de ingresos · 28.0%Flujo de caja libre positivo · 27.53Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 8.41

Datos financieros hasta: 30 jun 2026, 12:00 a.m. UTCÚltima actualización de earnings: 30 jun 2026, 12:00 a.m. UTCÚltima actualización del perfil: 5 ago 2026, 2:27 p.m. UTC

Resumen de la compañía

Valoración, calidad, fortaleza financiera, momentum y datos de analistas.

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

ADN de inversión

Qué tan fuerte luce esta compañía para inversionistas de largo plazo

de 100

Calidad del negocio

Márgenes, ventaja competitiva, retornos

84/100

Fortaleza financiera

Deuda, caja, estabilidad

32/100

Potencial de crecimiento

Ingresos y expansión

95/100

Atractivo del precio

Barata o cara hoy

93/100

Por qué este puntaje▼

Márgenes estables o en mejora · 18.6%Crecimiento positivo de ingresos · 28.0%Flujo de caja libre positivo · 27.53Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 8.41Liquidez débil · 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

Precio objetivo

2026-07-24

Bajo

$80.00

Promedio

$89.42

Mediana

$89.00

Alto

$104.00

Resumen de la compañía

IPO: 11/7/2019

Industria: Financial - Credit Services

P/B i: 1.58

Deuda / Patrimonio i: 0.91

Margen operativo: 24.17%

Margen neto: 18.58%

ROE i: -

ROIC: -

Salud financiera

Puntaje6 / 20

Deuda / Patrimonio: 0.91

Ratio corriente: 0.21

Ratio rápido: 0.21

Estado: Weak

Advertencias

Weak Liquidity
Weak quick ratio

Transacciones internas

Actividad reciente de ejecutivos e insiders

COVIELLO ARTHUR W JR

Transacción: 06/30/2026

COMPRA

Cambio

+789

Precio

$76.05

Presentación

07/02/2026

Tipo

COMPRA

GUTHRIE ROY A

Transacción: 06/30/2026

COMPRA

Cambio

+789

Precio

$76.05

Presentación

07/02/2026

Tipo

COMPRA

NAYLOR JEFFREY G

Transacción: 06/30/2026

COMPRA

Cambio

+1,200

Precio

$76.05

Presentación

07/02/2026

Tipo

COMPRA

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

Sobre la compañía

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.

Fuente - Link

Competidores

BBDO FITB IX KB MS MTB SHG TFC WRB

Tamaño = capitalización · color = línea del gráfico

Rendimiento de peers · 1A

Top performers + empresa seleccionada

Ultimas Noticias

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

Sorpresas de ganancias

Período	Estimado	Real	Sorpresa
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