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NYSE:SYF

Synchrony Financial (SYF) Stock Price, News & Analysis

Synchrony Financial logo
$66.80 +0.61 (+0.92%)
As of 03:58 PM Eastern

About Synchrony Financial Stock (NYSE:SYF)

Key Stats

Today's Range
$66.28
$67.04
50-Day Range
$47.33
$66.20
52-Week Range
$40.55
$70.93
Volume
3.57 million shs
Average Volume
3.88 million shs
Market Capitalization
$25.43 billion
P/E Ratio
9.16
Dividend Yield
1.80%
Price Target
$64.78
Consensus Rating
Moderate Buy

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.

AI Generated. May Contain Errors.

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 45th out of 939 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 2.58, 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.

  • 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 9.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.27.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Synchrony Financial is 9.16, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.63.

  • Price to Earnings Growth Ratio

    Synchrony Financial has a PEG Ratio of 0.68. 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 1.69. 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

    4.10% 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 Yield

    Synchrony Financial pays a meaningful dividend of 1.81%, 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

    4.10% 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 Sentiment

    Synchrony Financial has a news sentiment score of 1.22. 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 0.87 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 29 news articles for Synchrony Financial this week, compared to 16 articles on an average week.
  • Search Interest

    Only 7 people have searched for SYF on MarketBeat in the last 30 days. This is a decrease of -30% compared to the previous 30 days.
  • MarketBeat Follows

    Only 7 people have added Synchrony Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -13% 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 $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.

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

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SYF Stock Analysis - Frequently Asked Questions

Synchrony Financial's stock was trading at $65.00 on January 1st, 2025. Since then, SYF shares have increased by 2.8% and is now trading at $66.80.
View the best growth stocks for 2025 here
.

Synchrony Financial (NYSE:SYF) posted its quarterly earnings results on Tuesday, April, 22nd. The financial services provider reported $1.89 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $1.63 by $0.26. The financial services provider earned $3.72 billion during the quarter, compared to analyst estimates 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 authorized a stock buyback plan on Wednesday, April 24th 2024, which allows the company to buy back $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 buyback plans are often an indication that the company's management believes its shares are undervalued.

The following companies are subsidiaries of Synchrony Financial: Pets Best, Loop Commerce Inc., GPShopper, CareCredit LLC, GPShopper LLC, Retail Finance Credit Services LLC, Retail Finance International Holdings Inc., and more.

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
6/30/2025
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
Fax
N/A
Employees
18,500
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
-3.0%
Consensus Rating
Moderate Buy
Rating Score (0-4)
2.58
Research Coverage
19 Analysts

Profitability

Trailing P/E Ratio
9.16
Forward P/E Ratio
8.71
P/E Growth
0.68
Net Income
$3.50 billion
Pretax Margin
16.92%

Debt

Sales & Book Value

Annual Sales
$16.11 billion
Cash Flow
$8.24 per share
Price / Cash Flow
8.11
Book Value
$39.45 per share
Price / Book
1.69

Miscellaneous

Free Float
379,395,000
Market Cap
$25.43 billion
Optionable
Optionable
Beta
1.44

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This page (NYSE:SYF) was last updated on 6/30/2025 by MarketBeat.com Staff
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