Synchrony Financial Company Profile (NYSE:SYF)

About Synchrony Financial (NYSE:SYF)

Synchrony Financial logoSynchrony Financial is a consumer financial services company. The Company provides a range of credit products through programs it has established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company's revenue activities are managed through three sales platforms: Retail Card, Payment Solutions and CareCredit. It offers its credit products through its subsidiary, Synchrony Bank (the Bank). Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation (FDIC), including certificates of deposit, individual retirement accounts (IRAs), money market accounts and savings accounts. The Company offers three types of credit products: credit cards, commercial credit products and consumer installment loans. The Company also offers a debt cancellation product. It offers two types of credit cards: private label credit cards and Dual Cards.

Industry, Sector and Symbol: Capitalization:
  • Market Cap: $22.2 billion
  • Outstanding Shares: 811,013,000
Average Prices:
  • 50 Day Moving Avg: $29.76
  • 200 Day Moving Avg: $33.99
  • 52 Week Range: $23.25 - $38.06
  • Trailing P/E Ratio: 10.44
  • Foreward P/E Ratio: 8.58
  • P/E Growth: 1.17
Sales & Book Value:
  • Annual Revenue: $6.95 billion
  • Price / Sales: 3.19
  • Book Value: $17.71 per share
  • Price / Book: 1.55
  • Annual Dividend: $0.52
  • Dividend Yield: 1.9%
  • Net Margins: 15.15%
  • Return on Equity: 16.34%
  • Return on Assets: 2.64%
  • Debt-to-Equity Ratio: 1.42%
  • Current Ratio: 1.46%
  • Quick Ratio: 1.51%
  • Average Volume: 8.65 million shs.
  • Beta: 1.06
  • Short Ratio: 2.28

Frequently Asked Questions for Synchrony Financial (NYSE:SYF)

What is Synchrony Financial's stock symbol?

Synchrony Financial trades on the New York Stock Exchange (NYSE) under the ticker symbol "SYF."

How often does Synchrony Financial pay dividends? What is the dividend yield for Synchrony Financial?

Synchrony Financial declared a quarterly dividend on Thursday, April 27th. Stockholders of record on Monday, May 8th will be paid a dividend of $0.13 per share on Thursday, May 18th. This represents a $0.52 dividend on an annualized basis and a dividend yield of 1.90%. The ex-dividend date is Thursday, May 4th. View Synchrony Financial's Dividend History.

How were Synchrony Financial's earnings last quarter?

Synchrony Financial (NYSE:SYF) issued its quarterly earnings results on Friday, April, 28th. The company reported $0.61 earnings per share for the quarter, missing the Thomson Reuters' consensus estimate of $0.74 by $0.13. The company earned $3.59 billion during the quarter, compared to analysts' expectations of $3.54 billion. Synchrony Financial had a net margin of 15.15% and a return on equity of 16.34%. During the same quarter in the prior year, the firm earned $0.70 EPS. View Synchrony Financial's Earnings History.

When will Synchrony Financial make its next earnings announcement?

Synchrony Financial is scheduled to release their next quarterly earnings announcement on Thursday, July, 20th 2017. View Earnings Estimates for Synchrony Financial.

Where is Synchrony Financial's stock going? Where will Synchrony Financial's stock price be in 2017?

23 analysts have issued 12-month price targets for Synchrony Financial's stock. Their predictions range from $29.00 to $47.00. On average, they expect Synchrony Financial's share price to reach $37.36 in the next year. View Analyst Ratings for Synchrony Financial.

What are analysts saying about Synchrony Financial stock?

Here are some recent quotes from research analysts about Synchrony Financial stock:

  • 1. BTIG Research analysts commented, "Is SYF Poised to Repeat 2016 Stock Price Rebound? We are reiterating our Buy recommendation on Synchrony Financial (SYF) and price target of $36 based on 11x our FY18E earnings per share of $3.31 following the company’s announcement on Thursday of a share buyback program that was both earlier than expected as well as larger than anticipated. We have increased our FY18E EPS estimate from $3.25 to $3.31 reflect the impact of the buyback program.   We were somewhat surprised by the market’s muted reaction on Friday to SYF’s announcement that its board had approved a larger- than-expected $1.64bn share buyback program. While SYF shares increased by as much as 5% after the announcement, which occurred perhaps a month sooner than expected, they faded and the stock closed up by only 1.3%." (5/24/2017)
  • 2. According to Zacks Investment Research, "Synchrony Financial is a consumer financial services company. It offers private label credit cards, dual cards and small and medium-sized business credit products; promotional financing for consumer purchases, including installment loans; and promotional financing to consumers. The company also offers various deposit products, such as certificates of deposit, individual retirement accounts, money market accounts, and savings accounts directly to retail and commercial customers under the Optimizer+Plus brand. Synchrony Financial is headquartered in Stamford, Connecticut. " (5/4/2017)
  • 3. Jefferies Group LLC analysts commented, "In this note, we provide an update on SYF based on interaction with management during a series of investor meetings. We continue to believe that SYF is one of the best positioned of the card companies in terms of prospects for loan growth, capitalization, and margins; and we anticipate growing capital returns as SYF seeks to optimize its capital structure over time. We continue to recommend this as a top pick in the card-issuer space." (2/14/2017)

Are investors shorting Synchrony Financial?

Synchrony Financial saw a increase in short interest in May. As of May 15th, there was short interest totalling 12,562,539 shares, an increase of 32.6% from the April 28th total of 9,472,734 shares. Based on an average daily trading volume, of 14,826,247 shares, the days-to-cover ratio is presently 0.8 days. Approximately 1.6% of the company's stock are short sold.

Who are some of Synchrony Financial's key competitors?

Who owns Synchrony Financial stock?

Synchrony Financial's stock is owned by many different of institutional and retail investors. Top institutional investors include Vanguard Group Inc. (6.32%), BlackRock Inc. (5.95%), State Street Corp (4.32%), Wellington Management Group LLP (3.99%), FMR LLC (3.59%) and Bank of New York Mellon Corp (2.73%). Company insiders that own Synchrony Financial stock include Brian D Doubles, David P Melito, Margaret M Keane and Will W Graylin. View Institutional Ownership Trends for Synchrony Financial.

Who sold Synchrony Financial stock? Who is selling Synchrony Financial stock?

Synchrony Financial's stock was sold by a variety of institutional investors in the last quarter, including Baupost Group LLC MA, Prudential Financial Inc., Bank of New York Mellon Corp, Commerzbank Aktiengesellschaft FI, Parametric Portfolio Associates LLC, Ameriprise Financial Inc., CI Global Investments Inc. and Teachers Advisors LLC. Company insiders that have sold Synchrony Financial stock in the last year include Brian D Doubles, David P Melito and Margaret M Keane. View Insider Buying and Selling for Synchrony Financial.

Who bought Synchrony Financial stock? Who is buying Synchrony Financial stock?

Synchrony Financial's stock was bought by a variety of institutional investors in the last quarter, including BlackRock Inc., JPMorgan Chase & Co., Renaissance Technologies LLC, Morgan Stanley, Schroder Investment Management Group, RidgeWorth Capital Management LLC, UBS Asset Management Americas Inc. and FMR LLC. View Insider Buying and Selling for Synchrony Financial.

How do I buy Synchrony Financial stock?

Shares of Synchrony Financial can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

How much does a share of Synchrony Financial stock cost?

One share of Synchrony Financial stock can currently be purchased for approximately $27.37.

Analyst Ratings

Consensus Ratings for Synchrony Financial (NYSE:SYF) (?)
Ratings Breakdown: 7 Hold Ratings, 16 Buy Ratings
Consensus Rating:Buy (Score: 2.70)
Consensus Price Target: $37.36 (36.50% upside)

Analysts' Ratings History for Synchrony Financial (NYSE:SYF)
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
5/24/2017BTIG ResearchReiterated RatingBuy$36.00LowView Rating Details
5/3/2017GuggenheimDowngradeBuy -> Neutral$38.00 -> $32.00LowView Rating Details
4/30/2017Oppenheimer Holdings Inc.Reiterated RatingHoldMediumView Rating Details
5/1/2017Barclays PLCBoost Price TargetOverweight$36.00 -> $47.00LowView Rating Details
5/1/2017Citigroup IncLower Price TargetBuy$43.00 -> $35.00LowView Rating Details
5/1/2017JMP SecuritiesReiterated RatingOutperform$41.00 -> $35.00MediumView Rating Details
5/1/2017Jefferies Group LLCLower Price TargetBuy$45.00 -> $40.00MediumView Rating Details
5/1/2017DA DavidsonLower Price TargetBuy$45.00 -> $41.00LowView Rating Details
5/1/2017Deutsche Bank AGLower Price TargetHold$47.00 -> $35.00LowView Rating Details
5/1/2017StephensDowngradeOverweight -> Equal Weight$44.00 -> $29.00LowView Rating Details
4/28/2017Goldman Sachs Group IncDowngradeConviction-Buy -> Neutral$44.00 -> $33.00LowView Rating Details
4/11/2017Keefe, Bruyette & WoodsReiterated RatingBuy$44.00LowView Rating Details
4/11/2017CIBCReiterated RatingMarket PerformLowView Rating Details
4/11/2017BMO Capital MarketsReiterated RatingBuy$38.00LowView Rating Details
3/29/2017Wells Fargo & CoInitiated CoverageOutperform -> OutperformLowView Rating Details
1/23/2017Sanford C. BernsteinBoost Price TargetOutperform$39.00 -> $45.00N/AView Rating Details
12/15/2016Bank of America CorpUpgradeNeutral -> Buy$40.50N/AView Rating Details
12/7/2016WedbushDowngradeOutperform -> Neutral$23.25 -> $37.00N/AView Rating Details
11/4/2016Compass PointInitiated CoverageBuy$34.00N/AView Rating Details
9/22/2016Credit Suisse Group AGSet Price TargetBuy$37.00N/AView Rating Details
9/22/2016NomuraReiterated RatingBuy$34.00N/AView Rating Details
7/9/2016JPMorgan Chase & Co.Reiterated RatingBuyN/AView Rating Details
6/29/2016Morgan StanleyReiterated RatingOverweightN/AView Rating Details
5/11/2016MacquarieInitiated CoverageNeutral$37.00N/AView Rating Details
11/23/2015Sterne Agee CRTUpgradeNeutral -> Buy$38.00N/AView Rating Details
8/25/2015Buckingham ResearchInitiated CoverageBuy$40.00N/AView Rating Details
7/20/2015Susquehanna Bancshares IncBoost Price TargetPositive$38.00 -> $41.00N/AView Rating Details
(Data available from 5/27/2015 forward)


Earnings History for Synchrony Financial (NYSE:SYF)
Earnings by Quarter for Synchrony Financial (NYSE:SYF)
Earnings History by Quarter for Synchrony Financial (NYSE:SYF)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
4/28/2017Q1 2017$0.74$0.61$3.54 billion$3.59 billionViewN/AView Earnings Details
1/20/2017Q416$0.67$0.70$3.51 billion$3.63 billionViewN/AView Earnings Details
10/21/2016Q316$0.69$0.73$3.30 billion$3.48 billionViewListenView Earnings Details
7/22/2016Q216$0.54$0.58$3.26 billion$3.21 billionViewListenView Earnings Details
4/22/2016Q116$0.69$0.70$3.17 billion$3.21 billionViewListenView Earnings Details
1/22/2016Q415$0.63$0.65$3.20 billion$3.21 billionViewListenView Earnings Details
10/16/2015Q315$0.66$0.69$3.02 billion$2.46 billionViewListenView Earnings Details
7/17/2015Q215$0.62$0.65$2.77 billion$2.41 billionViewListenView Earnings Details
4/17/2015Q115$0.64$0.66$2.80 billion$2.88 billionViewN/AView Earnings Details
1/23/2015Q414$0.60$0.64$2.81 billion$2.28 billionViewN/AView Earnings Details
10/17/2014Q3$0.67$0.70$2.25 billion$2.19 billionViewListenView Earnings Details
(Data available from 1/1/2011 forward)


Earnings Estimates for Synchrony Financial (NYSE:SYF)
2017 EPS Consensus Estimate: $2.90
2018 EPS Consensus Estimate: $3.34
QuarterNumber of EstimatesLow EstimateHigh EstimateAverage Estimate
Q1 20174$0.71$0.80$0.75
Q2 20174$0.50$0.76$0.65
Q3 20174$0.66$0.79$0.74
Q4 20174$0.71$0.85$0.77
Q1 20182$0.88$0.90$0.89
Q2 20182$0.80$0.83$0.82
Q3 20182$0.84$0.90$0.87
Q4 20182$0.76$0.77$0.77
(Data provided by Zacks Investment Research)


Current Dividend Information for Synchrony Financial (NYSE:SYF)
Most Recent Dividend:5/18/2017
Annual Dividend:$0.52
Dividend Yield:1.90%
Dividend Growth:0.00% (3 Year Average)
Payout Ratio:19.19% (Trailing 12 Months of Earnings)
20.00% (Based on This Year's Estimates)
16.30% (Based on Next Year's Estimates)
Dividend Payments by Quarter for Synchrony Financial (NYSE:SYF)

Dividend History by Quarter for Synchrony Financial (NYSE:SYF)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading and Institutional Ownership History for Synchrony Financial (NYSE:SYF)
Insider Ownership Percentage: 0.02%
Institutional Ownership Percentage: 89.10%
Insider Trades by Quarter for Synchrony Financial (NYSE:SYF)
Institutional Ownership by Quarter for Synchrony Financial (NYSE:SYF)
Insider Trades by Quarter for Synchrony Financial (NYSE:SYF)
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
5/1/2017Will W GraylinDirectorBuy18,000$27.80$500,400.00View SEC Filing  
4/5/2017David P MelitoInsiderSell748$34.24$25,611.52View SEC Filing  
4/3/2017David P MelitoInsiderSell600$34.11$20,466.00View SEC Filing  
2/28/2017Brian D DoublesInsiderSell8,109$36.13$292,978.17View SEC Filing  
1/4/2017David P MelitoInsiderSell1,392$38.00$52,896.00View SEC Filing  
11/22/2016Margaret M KeaneInsiderSell6,000$34.00$204,000.00View SEC Filing  
11/21/2016David P MelitoInsiderSell2,159$33.54$72,412.86View SEC Filing  
11/9/2016Margaret M KeaneInsiderSell2,000$30.00$60,000.00View SEC Filing  
5/24/2016Brian D DoublesInsiderSell1,000$30.00$30,000.00View SEC Filing  
7/31/2014Roy A GuthrieDirectorBuy10,000$23.00$230,000.00View SEC Filing  
7/31/2014Thomas M QuindlenInsiderBuy1,000$23.00$23,000.00View SEC Filing  
(Data available from 1/1/2013 forward)


Headline Trends for Synchrony Financial (NYSE:SYF)
Latest Headlines for Synchrony Financial (NYSE:SYF)
DateHeadline logoJust Checking - Did You Take My Advice on Synchrony Financial? - May 25 at 3:45 AM logoSynchrony Financial (SYF) Stock Rating Reaffirmed by BTIG Research - May 24 at 4:32 PM logoThe contrarian investor’s best bet is coming down the pike - May 24 at 9:04 AM logoSynchrony Financial (SYF) to Increase Quarterly Dividend to $0.15, Approves $1.64B Share Repurchase Program - May 20 at 7:39 PM logoETFs with exposure to Synchrony Financial : May 19, 2017 - May 20 at 7:23 AM logoSynchrony Financial (SYF) to Increase Quarterly Dividend to $0.15, Approves $1.64B Share Repurchase Program - - May 19 at 12:55 PM logoSynchrony Financial Announces Plans to Increase Quarterly Common Stock Dividend to $0.15 Per Share and Approval of a $1.64 Billion Share Repurchase Program - May 19 at 12:55 PM logoSynchrony Financial to buy back up to $1.64 billion in shares, hikes dividend - May 19 at 12:55 PM logoSynchrony Financial Hikes Dividend, Announces $1.64 Billion Share Buyback Program - May 19 at 12:55 PM logoSynchrony Financial (SYF) Downgraded by Wells Fargo & Co to Equal Weight - May 19 at 9:34 AM logoSynchrony Financial Announces the Signing of a Multi-Year Contract with e-Commerce Retailer, zulily - May 9 at 7:36 PM logoETFs with exposure to Synchrony Financial : May 8, 2017 - May 8 at 7:37 PM logoWeekly Top Insider Buys Highlights - May 8 at 10:35 AM logoSynchrony Financial (SYF) Downgraded to Strong Sell at Zacks Investment Research - May 7 at 2:52 PM logoSynchrony Financial (SYF) Expected to Announce Quarterly Sales of $3.6 Billion - May 6 at 7:40 AM logoSynchrony Financial :SYF-US: Earnings Analysis: Q1, 2017 By the Numbers : May 5, 2017 - May 5 at 11:26 PM logoSynchrony Financial (SYF) Given Daily News Sentiment Rating of 0.06 - May 5 at 10:57 PM logoSynchrony Financial (SYF) Given Consensus Rating of "Buy" by Analysts - May 5 at 7:00 PM logoZacks: Brokerages Anticipate Synchrony Financial (SYF) to Announce $0.60 Earnings Per Share - May 4 at 11:42 PM logoSynchrony Financial : SYF-US: Dividend Analysis : May 08th, 2017 (record date) : By the numbers : May 4, 2017 - May 4 at 11:05 PM logoNew Nissan credit card program drives rewards on everyday purchases - May 4 at 11:05 PM logoView From the Top: How to Be Successful - May 3 at 11:19 PM logoOppenheimer Holdings Analysts Reduce Earnings Estimates for Synchrony Financial (SYF) - May 3 at 5:12 PM logoSynchrony Financial to Post Q2 2017 Earnings of $0.50 Per Share, Jefferies Group Forecasts (SYF) - May 3 at 7:46 AM logoTraders Buy High Volume of Put Options on Synchrony Financial (SYF) - May 3 at 7:22 AM logoWill W. Graylin Acquires 18,000 Shares of Synchrony Financial (SYF) Stock - May 2 at 9:28 PM logoSynchrony Financial (SYF) Receives Daily Coverage Optimism Score of 0.21 - May 2 at 8:12 PM logoJefferies Group Weighs in on Synchrony Financial's FY2018 Earnings (SYF) - May 2 at 3:32 PM logoSynchrony Financial: Higher Loss Provisions Bite First-Quarter Earnings - May 2 at 2:28 PM logoQ2 2017 EPS Estimates for Synchrony Financial (SYF) Lowered by Oppenheimer Holdings - May 2 at 8:10 AM logoSynchrony Financial (SYF) Rating Lowered to Equal Weight at Stephens - May 2 at 12:04 AM logoCitigroup Inc Reiterates Buy Rating for Synchrony Financial (SYF) - May 1 at 10:52 PM logoBarclays PLC Reaffirms Overweight Rating for Synchrony Financial (SYF) - May 1 at 10:42 PM logoSynchrony Financial (SYF) Receives "Hold" Rating from Oppenheimer Holdings Inc. - May 1 at 8:58 PM logoSynchrony Financial (SYF) Receives Outperform Rating from JMP Securities - May 1 at 4:40 PM logoSynchrony Financial (SYF) Given "Buy" Rating at BTIG Research - May 1 at 3:36 PM logoSynchrony Financial (SYF) Stock Rating Reaffirmed by DA Davidson - May 1 at 3:00 PM logoSynchrony Financial (SYF) Given "Buy" Rating at Jefferies Group LLC - May 1 at 1:40 PM logoDeutsche Bank AG Reiterates Hold Rating for Synchrony Financial (SYF) - May 1 at 12:50 PM logoSynchrony Financial tepidly defended at BTIG; shares down another 1.3% - May 1 at 11:52 AM logoSynchrony Financial (SYF) PT Lowered to $36 at Barclays - - May 1 at 11:19 AM logoSynchrony Financial Named as CIO 100 Award Winner for the Third Year in a Row - May 1 at 11:19 AM logoGoldman Sachs Downgrades Synchrony Financial (SYF) to Neutral, Says Expectations Are Out Sync - - April 30 at 3:40 PM logoSynchrony Financial: Investors Should Be Concerned, But Not Too Concerned - April 29 at 8:44 PM logoSomewhat Critical Media Coverage Likely to Impact Synchrony Financial (SYF) Stock Price - April 29 at 3:35 PM logoEdited Transcript of SYF earnings conference call or presentation 28-Apr-17 12:30pm GMT - April 29 at 1:54 AM logoSynchrony Financial (SYF) Downgraded to Neutral at Goldman Sachs Group Inc - April 29 at 1:11 AM logoSynchrony Financial (SYF) Releases Earnings Results, Misses Expectations By $0.12 EPS - April 28 at 9:08 PM logoSynchrony Financial (SYF) Q1 2017 Results - Earnings Call Transcript - April 28 at 8:54 PM logoSynchrony Financial Reports First Quarter Net Earnings of $499 Million or $0.61 Per Diluted Share - April 28 at 8:54 PM



Synchrony Financial (SYF) Chart for Saturday, May, 27, 2017

This page was last updated on 5/27/2017 by Staff