Synchrony Financial (SYF) Stock Price, News & Analysis

Company Overview

Synchrony Financial is a leading consumer financial services company specializing in credit products that help consumers manage purchases, budget for major expenses and build credit. The firm partners with a network of national and regional retailers, manufacturers, buying groups and healthcare service providers to offer private-label and co-branded credit programs. Beyond credit cards, Synchrony delivers installment lending, promotional financing, loyalty solutions and digital banking services to meet evolving customer needs.

The company’s portfolio spans everyday essentials to specialty purchases, including home improvement, automotive care, healthcare, pet care and consumer electronics. Synchrony’s digital capabilities support a seamless omni-channel experience, allowing customers to access accounts, pay bills and enroll in loyalty rewards through mobile apps and online portals. Its proprietary technology platform underpins real-time underwriting, fraud prevention, analytics and customer engagement tools designed to drive both growth and responsible lending.

Originally part of GE Capital’s retail finance division, Synchrony Financial was established as an independent, publicly traded entity in 2014. Since its spin-off, the firm has expanded its partner network and diversified its product offerings, integrating advanced data analytics and machine learning to optimize credit decisions and personalize customer experiences. The company maintains a commitment to financial inclusion through targeted lending programs and community outreach initiatives.

Headquartered in Stamford, Connecticut, Synchrony serves tens of millions of consumers across the United States, Puerto Rico and select international markets. Under the leadership of Chief Executive Officer Brian Doubles, the company continues to invest in digital innovation, strategic partnerships and sustainability efforts. Synchrony’s executive team brings deep industry expertise, guiding the firm’s mission to deliver flexible financial solutions and build lasting customer relationships.

Key Stats

• Today's Range: $69.51 to $70.26
• 50-Day Range: $51.98 to $70.25
• 52-Week Range: $40.55 to $70.93
• Volume: 723,164 shs
• Average Volume: 3.86 million shs
• Market Capitalization: $26.62 billion
• P/E Ratio: 9.57
• Dividend Yield: 1.72%
• Price Target: $65.89
• Consensus Rating: Moderate Buy

Synchrony Financial Stock Analysis - MarketRank™

Synchrony Financial scored higher than 98% of companies evaluated by MarketBeat, and ranked 23rd out of 906 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: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Synchrony Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.58, and is based on 11 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.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 13.82%

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 9.62, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of Synchrony Financial is 9.62, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.00.

Price to Earnings Growth Ratio

Synchrony Financial has a PEG Ratio of 0.72. 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 1.78. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.10% 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 3.6, 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 0.39%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Synchrony Financial pays a meaningful dividend of 1.72%, 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.

Sustainability and ESG

• Score: 3.7 / 5
• Environmental Score: -0.43

Percentage of Shares Shorted

4.10% 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 3.6, 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 0.39%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.36

News Sentiment

Synchrony Financial has a news sentiment score of 1.36. 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 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 22 news articles for Synchrony Financial this week, compared to 16 articles on an average week.

Search Interest

Only 8 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

7 people have added Synchrony Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 17% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

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 $3,180,885.00 in company stock.

Percentage Held by Insiders

Only 0.33% 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.

SYF Stock Analysis - Frequently Asked Questions

How have SYF shares performed this year?

Synchrony Financial's stock was trading at $65.00 at the beginning of the year. Since then, SYF shares have increased by 8.0% and is now trading at $70.2190.

How were Synchrony Financial's earnings last quarter?

Synchrony Financial (NYSE:SYF) issued its quarterly earnings data 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 had revenue of $3.72 billion for the quarter, compared to analysts' expectations of $3.80 billion. Synchrony Financial had a net margin of 13.00% and a trailing twelve-month return on equity of 19.68%.
Read the conference call transcript.

Is Synchrony Financial buying back stock?

Synchrony Financial's board authorized a stock buyback plan on Wednesday, April 24th 2024, which allows the company to repurchase $1,000,000,000 in shares, according to EventVestor. This means that the company could buy up to 5.5% of its shares through open market purchases. Shares repurchase plans are often a sign that the company's board believes its shares are undervalued.

Does Synchrony Financial have any subsidiaries?

Synchrony Financial subsidiaries include these companies: Pets Best, Loop Commerce Inc., GPShopper, CareCredit LLC, GPShopper LLC, Retail Finance Credit Services LLC, Retail Finance International Holdings Inc., and others.

Who are Synchrony Financial's major shareholders?

Top institutional shareholders of Synchrony Financial include Czech National Bank (0.02%), Parallel Advisors LLC (0.01%), Douglas Lane & Associates LLC (0.01%) and Livforsakringsbolaget Skandia Omsesidigt (0.01%). 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.

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 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: 7/08/2025
• Next Earnings (Estimated): 7/22/2025
• 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
• CIK: 1601712
• Web: www.synchronyfinancial.com
• Phone: (203) 585-2400
• Fax: N/A
• Employees: 20,000
• Year Founded: 2003

Price Target and Rating

• Average Price Target for Synchrony Financial: $65.89
• High Price Target: $85.00
• Low Price Target: $41.00
• Potential Upside/Downside: -4.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.58
• Research Coverage: 19 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.29
• Trailing P/E Ratio: 9.51
• Forward P/E Ratio: 9.04
• P/E Growth: 0.72
• Net Income: $3.50 billion
• Net Margins: 13.00%
• Pretax Margin: 16.92%
• Return on Equity: 19.68%
• Return on Assets: 2.45%

Debt

• Debt-to-Equity Ratio: 1.11
• Current Ratio: 1.25
• Quick Ratio: 1.25

Sales & Book Value

• Annual Sales: $22.65 billion
• Price / Sales: 1.17
• Cash Flow: $8.12 per share
• Price / Cash Flow: 8.54
• Book Value: $39.45 per share
• Price / Book: 1.76

Miscellaneous

• Outstanding Shares: 380,650,000
• Free Float: 379,395,000
• Market Cap: $26.38 billion
• Optionable: Optionable
• Beta: 1.46