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NYSE:SYF

Synchrony Financial (SYF) Stock Price, News & Analysis

Synchrony Financial logo
$62.34 +0.89 (+1.44%)
Closing price 06/20/2025 03:59 PM Eastern
Extended Trading
$62.48 +0.14 (+0.23%)
As of 06/20/2025 07:54 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 Polygon.io. Learn more.

About Synchrony Financial Stock (NYSE:SYF)

Key Stats

Today's Range
$61.55
$62.60
50-Day Range
$46.86
$62.34
52-Week Range
$40.55
$70.93
Volume
8.72 million shs
Average Volume
3.92 million shs
Market Capitalization
$23.73 billion
P/E Ratio
8.55
Dividend Yield
1.93%
Price Target
$64.78
Consensus Rating
Moderate Buy

Company Overview

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Synchrony Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
97th Percentile Overall Score

SYF MarketRank™: 

Synchrony Financial scored higher than 97% of companies evaluated by MarketBeat, and ranked 203rd out of 2,704 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    Synchrony Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 12 buy ratings, 8 hold ratings, and no sell ratings.

  • Amount of Analyst Coverage

    Synchrony Financial has been the subject of 6 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 Growth

    Earnings for Synchrony Financial are expected to grow by 13.82% in the coming year, from $7.67 to $8.73 per share.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of Synchrony Financial is 8.55, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.54.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Synchrony Financial is 8.55, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.43.

  • Price to Earnings Growth Ratio

    Synchrony Financial has a PEG Ratio of 0.64. 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 1.58. 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.
  • Percentage of Shares Shorted

    4.08% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Synchrony Financial has recently increased by 0.59%, indicating that investor sentiment is decreasing.
  • Dividend Yield

    Synchrony Financial pays a meaningful dividend of 1.95%, 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 16.46%. 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 13.75% next year. This indicates that Synchrony Financial will be able to sustain or increase its dividend.

  • Read more about Synchrony Financial's dividend.
  • Percentage of Shares Shorted

    4.08% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Synchrony Financial has recently increased by 0.59%, indicating that investor sentiment is decreasing.
  • News Sentiment

    Synchrony Financial has a news sentiment score of 1.23. 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 higher news sentiment than the 0.95 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 20 news articles for Synchrony Financial this week, compared to 16 articles on an average week.
  • Search Interest

    Only 6 people have searched for SYF on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.
  • MarketBeat Follows

    Only 4 people have added Synchrony Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -71% compared to the previous 30 days.
  • Insider Buying vs. Insider Selling

    In 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 $2,441,185.00 in company stock.

  • Percentage Held by Insiders

    Only 0.32% 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.

  • Read more about Synchrony Financial's insider trading history.
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SYF Stock News Headlines

REVEALED FREE: Our top 3 stocks to own in 2025 and beyond
Every time Weiss Ratings flashed green like this, the average gain on each and every stock has been 303% (including the losers!).
Barclays Remains a Buy on Synchrony Financial (SYF)
See More Headlines

SYF Stock Analysis - Frequently Asked Questions

Synchrony Financial's stock was trading at $65.00 at the start of the year. Since then, SYF stock has decreased by 4.1% and is now trading at $62.3370.
View the best growth stocks for 2025 here
.

Synchrony Financial (NYSE:SYF) issued its quarterly earnings results on Tuesday, April, 22nd. The financial services provider reported $1.89 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.63 by $0.26. The financial services provider earned $3.72 billion during the quarter, compared to the consensus estimate of $3.80 billion. Synchrony Financial had a trailing twelve-month return on equity of 19.68% and a net margin of 13.00%.
Read the conference call transcript
.

Synchrony Financial's Board of Directors approved a share buyback plan on Wednesday, April 24th 2024, which permits the company to buy back $1,000,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 5.5% of its shares through open market purchases. Shares buyback plans are generally a sign that the company's board of directors believes its shares are undervalued.

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.

Top institutional investors of Synchrony Financial include Vanguard Group Inc. (12.72%), Dimensional Fund Advisors LP (1.69%), Allianz Asset Management GmbH (1.54%) and Invesco Ltd. (1.54%). Insiders that own company stock include Margaret M Keane, Brian D Doubles, Jonathan S Mothner, Curtis Howse, Brian J Sr Wenzel, Carol Juel, Alberto Casellas, Bart Schaller and David P Melito.
View institutional ownership trends
.

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.

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 Earnings
4/22/2025
Record date for 5/15 Dividend
5/05/2025
Ex-Dividend for 5/15 Dividend
5/05/2025
Dividend Payable
5/15/2025
Today
6/20/2025
Next Earnings (Estimated)
7/16/2025
Fiscal Year End
12/31/2025

Industry, Sector and Symbol

Stock Exchange
NYSE
Sector
Finance
Industry
FIN - MISC SVCS
Sub-Industry
Banking
Current Symbol
NYSE:SYF
Fax
N/A
Employees
20,000
Year Founded
2003

Price Target and Rating

Average Stock Price Target
$64.78
High Stock Price Target
$85.00
Low Stock Price Target
$41.00
Potential Upside/Downside
+3.9%
Consensus Rating
Moderate Buy
Rating Score (0-4)
2.67
Research Coverage
21 Analysts

Profitability

Trailing P/E Ratio
8.55
Forward P/E Ratio
8.13
P/E Growth
0.64
Net Income
$3.50 billion
Pretax Margin
16.92%

Debt

Sales & Book Value

Annual Sales
$22.65 billion
Cash Flow
$8.28 per share
Price / Cash Flow
7.53
Book Value
$39.45 per share
Price / Book
1.58

Miscellaneous

Free Float
379,433,000
Market Cap
$23.73 billion
Optionable
Optionable
Beta
1.44

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This page (NYSE:SYF) was last updated on 6/21/2025 by MarketBeat.com Staff
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