NYSE:SYF Synchrony Financial (SYF) Stock Price, News & Analysis $71.82 -0.34 (-0.47%) As of 10:24 AM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest About Synchrony Financial Stock (NYSE:SYF) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Synchrony Financial alerts:Sign Up Key Stats Today's Range$71.15▼$71.9350-Day Range$70.61▼$81.0452-Week Range$63.08▼$88.77Volume108,692 shsAverage Volume3.91 million shsMarket Capitalization$23.37 billionP/E Ratio7.38Dividend Yield1.89%Price Target$88.29Consensus RatingModerate Buy Company Overview Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides credit products and related services through partnerships with retailers, manufacturers, healthcare providers and other businesses. The company is best known for private-label credit cards and dual-use credit cards that allow consumers to finance purchases with participating brands. Synchrony’s offerings also include promotional financing, installment loans and other consumer payment solutions. Its products support spending across areas such as retail, home improvement, consumer electronics, healthcare, automotive and lifestyle purchases. The company also operates a deposit platform that provides savings products and certificates of deposit through Synchrony Bank. Synchrony primarily serves consumers and commercial partners in the United States. The company was formed from the retail credit operations of General Electric and became an independent publicly traded company following its initial public offering in 2014. Synchrony is led by President and Chief Executive Officer Brian Doubles.AI Generated. May Contain Errors. Read More Synchrony Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks95th Percentile Overall ScoreSYF MarketRank™: Synchrony Financial scored higher than 95% of companies evaluated by MarketBeat, and ranked 98th out of 834 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion4.1 / 5Analyst RatingModerate Buy Consensus RatingSynchrony Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on no strong buy ratings, 9 buy ratings, 6 hold ratings, and no sell ratings.Upside PotentialSynchrony Financial has a consensus price target of $88.29, representing about 22.4% upside from its current price of $72.10.Amount of Analyst CoverageSynchrony Financial has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Synchrony Financial's stock forecast and price target. Earnings and Valuation3.8 / 5Proj. Earnings Growth11.09% Earnings GrowthEarnings for Synchrony Financial are expected to grow by 11.09% in the coming year, from $9.38 to $10.42 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Synchrony Financial is 7.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.02.Price to Earnings Ratio vs. SectorThe P/E ratio of Synchrony Financial is 7.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.94.Price to Earnings Growth RatioSynchrony Financial has a PEG Ratio of 0.62. PEG Ratios below 1 indicate that a company could be undervalued.Price to Book Value per Share RatioSynchrony Financial has a P/B Ratio of 1.61. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Synchrony Financial's valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted5.81% of the float of Synchrony Financial has been sold short.Short Interest Ratio / Days to CoverSynchrony Financial has a short interest ratio ("days to cover") of 6.89.Change versus previous monthShort interest in Synchrony Financial has recently increased by 5.50%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldSynchrony Financial pays a meaningful dividend of 1.89%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthSynchrony Financial has only been increasing its dividend for 4 years.Dividend CoverageThe dividend payout ratio of Synchrony Financial is 13.93%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Synchrony Financial will have a dividend payout ratio of 13.05% next year. This indicates that Synchrony Financial will be able to sustain or increase its dividend.Read more about Synchrony Financial's dividend. News and Social Media3.2 / 5News Sentiment0.05 News SentimentSynchrony Financial has a news sentiment score of 0.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.57 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 16 news articles for Synchrony Financial this week, compared to 7 articles on an average week.Search Interest11 people have searched for SYF on MarketBeat in the last 30 days. This is an increase of 38% compared to the previous 30 days.MarketBeat Follows4 people have added Synchrony Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days. Company Ownership0.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Synchrony Financial insiders have not sold or bought any company stock.Percentage Held by Insiders0.36% of the stock of Synchrony Financial is held by insiders.Percentage Held by Institutions96.48% of the stock of Synchrony Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Synchrony Financial's insider trading history. Receive SYF Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Synchrony Financial and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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SYF Stock News HeadlinesSynchrony Financial (NYSE:SYF) Stock Price Target Cut by UBS GroupOctober 7 at 1:06 AM | americanbankingnews.comUBS Sticks to Their Hold Rating for Synchrony Financial (SYF)October 6 at 3:08 PM | theglobeandmail.comALERT: Drop these 5 stocks before the market opens tomorrow!The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings research points to the first half of 2026 as a particularly rough stretch for certain holdings. Some of America's most popular stocks could take serious damage as a radical market shift plays out. Analysts at Weiss Ratings have identified five names you may want to remove from your portfolio before this unfolds. If any of these are in your portfolio, now is the time to review your positions.October 7 at 1:00 AM | Weiss Ratings (Ad)Synchrony Financial (NYSE:SYF) & Vroom (NASDAQ:VRM) Head-To-Head ComparisonOctober 6 at 4:45 AM | americanbankingnews.comUBS Adjusts Price Target on Synchrony Financial to $81 From $87, Keeps Neutral RatingOctober 5 at 7:16 PM | finance.yahoo.comUpstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely BudgesOctober 5 at 1:30 PM | 247wallst.comUpstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely BudgesOctober 5 at 1:06 PM | 247wallst.comAnalysts Offer Insights on Financial Companies: Synchrony Financial (SYF) and Northern (NTRS)October 1, 2026 | theglobeandmail.comSee More Headlines SYF Stock Analysis - Frequently Asked Questions How have SYF shares performed this year? Synchrony Financial's stock was trading at $83.43 on January 1st, 2026. Since then, SYF shares have decreased by 13.6% and is now trading at $72.10. How were Synchrony Financial's earnings last quarter? Synchrony Financial (NYSE:SYF) released its quarterly earnings results on Tuesday, July, 21st. The financial services provider reported $2.59 earnings per share for the quarter, topping the consensus estimate of $2.14 by $0.45. The financial services provider earned $3.72 billion during the quarter, compared to analysts' expectations of $3.72 billion. Synchrony Financial had a trailing twelve-month return on equity of 23.09% and a net margin of 15.44%. Read the conference call transcript. Is Synchrony Financial buying back stock? Synchrony Financial's board authorized a stock buyback plan on Tuesday, April 21st 2026, which authorizes the company to repurchase $0 in outstanding shares, according to EventVestor. This authorizes the company to reacquire shares of its stock through open market purchases. Stock buyback plans are generally an indication that the company's management believes its shares are undervalued. Does Synchrony Financial have any subsidiaries? Synchrony Financial subsidiaries include Pets Best, Loop Commerce Inc., GPShopper, CareCredit LLC, GPShopper LLC, Retail Finance Credit Services LLC, Retail Finance International Holdings Inc., and others. When did Synchrony Financial IPO? Synchrony Financial (SYF) raised $3.1 billion in an IPO on Thursday, July 31st 2014. The company issued 125,000,000 shares at a price of $23.00-$26.00 per share. Who are Synchrony Financial's major shareholders? Synchrony Financial's top institutional shareholders include CX Institutional (0.02%), Versant Capital Management Inc and MassMutual Private Wealth & Trust FSB. Insiders that own company stock include Brian D Doubles, Jonathan S Mothner, Curtis Howse, Carol Juel, Brian J Sr Wenzel, Alberto Casellas, Bart Schaller, Arthur W Coviello Jr, Darrell Owens, Darrell Owens and David P Melito. View institutional ownership trends. How do I buy shares of Synchrony Financial? Shares of SYF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Synchrony Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that Synchrony Financial investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), GE Aerospace (GE), Netflix (NFLX) and Adobe (ADBE). Company Calendar Last Earnings7/21/2026Record date for 8/17 Dividend8/05/2026Ex-Dividend for 8/17 Dividend8/05/2026Dividend Payable8/17/2026Today10/07/2026Next Earnings (Estimated)10/20/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (1m+) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 SYF's financial health is in the Green zone, according to TradeSmith. SYF has been in this zone for over one month. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Consumer Finance Sub-IndustryConsumer Finance Current SymbolNYSE:SYF CIK1601712 Webwww.synchrony.com Phone(203) 585-2400FaxN/AEmployees20,000Year Founded1932Price Target and Rating Average Price Target for Synchrony Financial$88.29 High Price Target$98.00 Low Price Target$78.00 Potential Upside/Downside+23.4%Consensus RatingModerate Buy Rating Score (0-4)2.60 Research Coverage15 Analysts Profitability EPS (Trailing Twelve Months)$9.76 Trailing P/E Ratio7.34 Forward P/E Ratio7.63 P/E Growth0.62Net Income$3.55 billion Net Margins15.44% Pretax Margin20.25% Return on Equity23.09% Return on Assets2.98% Debt Debt-to-Equity Ratio1.08 Current Ratio1.22 Quick Ratio1.22 Sales & Book Value Annual Sales$22.60 billion Price / Sales1.03 Cash Flow$11.79 per share Price / Cash Flow6.07 Book Value$44.72 per share Price / Book1.60Miscellaneous Outstanding Shares325,370,000Free Float324,200,000Market Cap$23.28 billion OptionableOptionable Beta1.35 Social Links 7 Energy Stocks to Buy and Hold ForeverWith the proliferation of data centers and electric vehicles, the electric grid will only get more strained. 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