NYSE:SYF Synchrony Financial (SYF) Stock Price, News & Analysis $71.91 -0.09 (-0.12%) Closing price 05/22/2026 03:59 PM EasternExtended Trading$71.82 -0.09 (-0.13%) As of 05/22/2026 06:47 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$71.52▼$72.5550-Day Range$63.79▼$78.7952-Week Range$55.67▼$88.77Volume2.99 million shsAverage Volume3.92 million shsMarket Capitalization$24.19 billionP/E Ratio7.44Dividend Yield1.67%Price Target$86.05Consensus RatingModerate Buy Company Overview Synchrony Financial (NYSE: SYF) is a consumer financial services company that specializes in providing point-of-sale financing and private-label, co-branded and branded credit card programs. The company serves as a payments and lending partner to retailers, digital merchants and service providers, offering consumer financing solutions designed to drive customer engagement and sales. Synchrony also operates a direct bank that offers deposit products, including savings accounts and certificates of deposit, which support its funding and customer-facing product suite. Its core product set includes private-label and co-branded credit cards, general-purpose credit cards, installment loan programs and promotional financing options that are integrated into merchants’ checkout experiences. Synchrony provides account servicing, marketing, fraud prevention and analytics capabilities to partners, and it has invested in digital and mobile technologies to enable online and in-store payment experiences. The company’s banking arm supports consumer deposit products and underwriting services that complement its lending activities. Synchrony traces its roots to the retail finance business of a large industrial conglomerate and completed its separation and public listing in 2014; it is headquartered in Stamford, Connecticut. The firm primarily serves customers and retail partners in the United States, working with national and regional merchants across sectors such as retail, healthcare, home improvement, telecommunications and automotive. Its business model emphasizes long-term partnerships with merchants and the use of data-driven credit and marketing solutions to enhance consumer purchasing. As a regulated financial institution with an FDIC-insured bank subsidiary, Synchrony operates within the oversight frameworks applicable to consumer lenders and depository institutions. Its strategic priorities have included expanding digital capabilities, broadening partnership relationships, and diversifying product offerings to capture consumer demand for flexible payment options and merchant financing solutions.AI Generated. May Contain Errors. Read More Synchrony Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks96th Percentile Overall ScoreSYF MarketRank™: Synchrony Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 76th out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.9 / 5Analyst RatingModerate Buy Consensus RatingSynchrony Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, 12 buy ratings, 8 hold ratings, and no sell ratings.Upside PotentialSynchrony Financial has a consensus price target of $86.05, representing about 19.7% upside from its current price of $71.91.Amount of Analyst CoverageSynchrony Financial has been the subject of 8 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 Growth10.76% Earnings GrowthEarnings for Synchrony Financial are expected to grow by 10.76% in the coming year, from $9.29 to $10.29 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Synchrony Financial is 7.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.94.Price to Earnings Ratio vs. SectorThe P/E ratio of Synchrony Financial is 7.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.95.Price to Earnings Growth RatioSynchrony Financial has a PEG Ratio of 0.63. 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 1.59. 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 Shorted6.21% 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 4.63.Change versus previous monthShort interest in Synchrony Financial has recently increased by 41.95%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldSynchrony Financial pays a meaningful dividend of 1.67%, 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 12.41%. 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 11.66% 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 Media3.5 / 5News Sentiment0.64 News SentimentSynchrony Financial has a news sentiment score of 0.64. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 14 news articles for Synchrony Financial this week, compared to 8 articles on an average week.Search Interest9 people have searched for SYF on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.MarketBeat Follows3 people have added Synchrony Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days. Company Ownership1.4 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Synchrony Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $25,731,741.00 in 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. 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SYF Stock News HeadlinesSynchrony Financial (NYSE:SYF) Coverage Initiated by Analysts at Loop CapitalMay 23 at 3:40 AM | americanbankingnews.comSynchrony Financial (NYSE:SYF) Insider Jonathan Mothner Sells 51,258 SharesMay 20 at 5:35 AM | insidertrades.comBefore you buy SpaceX shares, consider this alternative approachSpaceX has confidentially filed for an IPO with the SEC, targeting a June 2026 listing at a valuation exceeding $1.75 trillion - potentially the largest IPO in history. But one expert says buying shares directly may not be the smartest move. There is a lesser-known way to tap into this windfall that most investors haven't considered.May 23 at 1:00 AM | Weiss Ratings (Ad)Synchrony Financial EPS Call Highlights Growth MomentumMay 20 at 1:10 AM | tipranks.comSynchrony Financial stock underperforms Tuesday when compared to competitorsMay 19, 2026 | marketwatch.comThe Issuers Pulling Ahead Are Building Into Customers' Money FlowsMay 19, 2026 | pymnts.comAnalysts Offer Insights on Financial Companies: Citigroup (C) and Synchrony Financial (SYF)May 16, 2026 | theglobeandmail.comAnalysts Offer Insights on Financial Companies: MARA Holdings (MARA), Synchrony Financial (SYF) and Figure Technology Solutions, Inc. Class A (FIGR)May 15, 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 stock has decreased by 13.8% and is now trading at $71.9140. How were Synchrony Financial's earnings last quarter? Synchrony Financial (NYSE:SYF) released its quarterly earnings data on Tuesday, April, 21st. The financial services provider reported $2.27 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.14 by $0.13. Synchrony Financial's quarterly revenue was down 7.4% compared to the same quarter last year. Read the conference call transcript. Is Synchrony Financial buying back stock? Synchrony Financial's board initiated a stock buyback program on Tuesday, April 21st 2026, which permits the company to buy back $0 in outstanding shares, according to EventVestor. This permits the company to buy shares of its stock through open market purchases. Shares buyback programs are typically an indication that the company's board 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 more. When did Synchrony Financial IPO? Synchrony Financial (SYF) raised $3.1 billion in an initial public offering 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 Bank of America Corp DE (4.78%), Dimensional Fund Advisors LP (1.80%), First Trust Advisors LP (1.59%) and Assetmark Inc. (1.29%). 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 Earnings4/21/2026Record date for 5/15 Dividend5/05/2026Ex-Dividend for 5/15 Dividend5/05/2026Dividend Payable5/15/2026Today5/23/2026Next Earnings (Estimated)7/21/2026Fiscal 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. Red Zone (2m+) 1-Year History May 25 Aug 25 Nov 25 Feb 26 May 26 SYF's financial health is in the Red zone, according to TradeSmith. SYF has been in this zone for over 2 months. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:SYF CIK1601712 Webwww.synchronyfinancial.com Phone(203) 585-2400FaxN/AEmployees20,000Year Founded1932Price Target and Rating Average Price Target for Synchrony Financial$86.05 High Price Target$100.00 Low Price Target$72.00 Potential Upside/Downside+19.7%Consensus RatingModerate Buy Rating Score (0-4)2.67 Research Coverage21 Analysts Profitability EPS (Trailing Twelve Months)$9.67 Trailing P/E Ratio7.44 Forward P/E Ratio7.74 P/E Growth0.63Net Income$3.55 billion Net Margins15.80% Pretax Margin20.56% Return on Equity23.41% Return on Assets3.05% Debt Debt-to-Equity Ratio1.08 Current Ratio1.24 Quick Ratio1.24 Sales & Book Value Annual Sales$14.96 billion Price / Sales1.62 Cash Flow$11.83 per share Price / Cash Flow6.08 Book Value$45.35 per share Price / Book1.59Miscellaneous Outstanding Shares336,370,000Free Float335,159,000Market Cap$24.19 billion OptionableOptionable Beta1.37 Social Links Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? These 10 simple stocks can help beginning investors build long-term wealth without knowing options, technicals, or other advanced strategies.Get This Free Report This page (NYSE:SYF) was last updated on 5/23/2026 by MarketBeat.com Staff. 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