Synchrony Financial (SYF) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $69.40 to $71.57
• 50-Day Range: $70.61 to $81.04
• 52-Week Range: $63.08 to $88.77
• Volume: 2.86 million shs
• Average Volume: 2.76 million shs
• Market Capitalization: $23.27 billion
• P/E Ratio: 7.33
• Dividend Yield: 1.90%
• Price Target: $89.00
• Consensus Rating: Moderate Buy

Synchrony Financial Stock Analysis - MarketRank™

Synchrony Financial scored higher than 93% of companies evaluated by MarketBeat, and ranked 147th out of 854 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Synchrony 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 Potential

Synchrony Financial has a consensus price target of $89.00, representing about 24.4% upside from its current price of $71.52.

Amount of Analyst Coverage

Synchrony Financial has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 11.21%

Earnings Growth

Earnings for Synchrony Financial are expected to grow by 11.21% in the coming year, from $9.37 to $10.42 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Synchrony Financial is 7.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.52.

Price to Earnings Ratio vs. Sector

The P/E ratio of Synchrony Financial is 7.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.66.

Price to Earnings Growth Ratio

Synchrony Financial has a PEG Ratio of 0.61. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Synchrony Financial has a P/B Ratio of 1.60. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.81% of the float of Synchrony Financial has been sold short.

Short Interest Ratio / Days to Cover

Synchrony Financial has a short interest ratio ("days to cover") of 6.89.

Change versus previous month

Short interest in Synchrony Financial has recently increased by 5.50%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Synchrony Financial pays a meaningful dividend of 1.92%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Synchrony Financial has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of Synchrony Financial is 13.93%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: -0.03

News Sentiment

Synchrony Financial has a news sentiment score of -0.03. 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 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Synchrony Financial this week, compared to 7 articles on an average week.

Search Interest

Only 9 people have searched for SYF on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

4 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 Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Synchrony Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

0.36% of the stock of Synchrony Financial is held by insiders.

Percentage Held by Institutions

96.48% of the stock of Synchrony Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/21/2026
• Record date for 8/17 Dividend: 8/05/2026
• Ex-Dividend for 8/17 Dividend: 8/05/2026
• Dividend Payable: 8/17/2026
• Today: 10/01/2026
• Next Earnings (Estimated): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:SYF
• CIK: 1601712
• Web: www.synchrony.com
• Phone: (203) 585-2400
• Fax: N/A
• Employees: 20,000
• Year Founded: 1932

Price Target and Rating

• Average Price Target for Synchrony Financial: $89.00
• High Price Target: $98.00
• Low Price Target: $78.00
• Potential Upside/Downside: +24.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $9.76
• Trailing P/E Ratio: 7.33
• Forward P/E Ratio: 7.63
• P/E Growth: 0.61
• Net Income: $3.55 billion
• Net Margins: 15.44%
• Pretax Margin: 20.25%
• Return on Equity: 23.09%
• Return on Assets: 2.98%

Debt

• Debt-to-Equity Ratio: 1.08
• Current Ratio: 1.22
• Quick Ratio: 1.22

Sales & Book Value

• Annual Sales: $22.60 billion
• Price / Sales: 1.03
• Cash Flow: $11.94 per share
• Price / Cash Flow: 5.99
• Book Value: $44.72 per share
• Price / Book: 1.60

Miscellaneous

• Outstanding Shares: 325,370,000
• Free Float: 324,200,000
• Market Cap: $23.27 billion
• Optionable: Optionable
• Beta: 1.35