SYF
Synchrony Financial NYSE Listed Jul 31, 2014$75.26
+1.55%
vs $74.11
Mkt Cap $26.9B
52w Low $61.45
51.1% of range
52w High $88.47
50d MA $73.37
200d MA $74.22
P/E (TTM)
8.1x
EV/EBITDA
4.8x
P/B
1.6x
Debt/Equity
0.9x
ROE
21.9%
P/FCF
2.7x
RSI (14)
60.60
ATR (14)
$2.12
Beta
1.38
50d MA
$73.37
200d MA
$74.22
Avg Volume
3.9M
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 cards, 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 to retail and commercial customers, 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; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
777 Long Ridge Road · Stamford, CT 06902 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 21, 2026 | AMC | 2.22 | 2.27 | +2.3% | 77.63 | +0.8% | +1.4% | -2.6% | -0.4% | +0.6% | -0.7% | — |
| Jan 27, 2026 | AMC | 2.05 | 2.07 | +1.0% | 73.00 | +1.4% | +0.6% | -0.1% | -1.0% | +1.2% | +0.5% | — |
| Oct 15, 2025 | AMC | 2.26 | 2.86 | +26.5% | 72.32 | -0.1% | -2.9% | +1.8% | +1.0% | +2.4% | -1.3% | — |
| Jul 22, 2025 | AMC | 1.82 | 2.50 | +37.4% | 70.66 | +1.6% | +2.0% | -0.4% | +1.5% | -0.0% | -2.2% | — |
| Apr 22, 2025 | AMC | 1.67 | 1.89 | +13.2% | 48.56 | +3.8% | +2.7% | +4.1% | -1.0% | +1.5% | +0.5% | — |
| Jan 28, 2025 | AMC | 1.93 | 1.91 | -1.0% | 66.66 | +0.2% | +3.2% | +1.0% | -0.7% | -2.1% | -2.4% | — |
| Oct 16, 2024 | AMC | 1.79 | 1.94 | +8.4% | 56.52 | +0.2% | +0.3% | -0.5% | -1.1% | -0.3% | -1.2% | — |
| Jul 17, 2024 | AMC | 1.35 | 1.55 | +14.8% | 52.22 | -0.9% | -2.7% | -1.7% | +1.1% | +0.6% | -1.8% | — |
| Apr 24, 2024 | AMC | 1.34 | 1.18 | -11.9% | 45.02 | -0.1% | -0.8% | +0.0% | +0.1% | -1.6% | -0.0% | — |
| Jan 23, 2024 | AMC | 0.93 | 1.03 | +10.8% | 37.44 | +1.1% | +1.4% | +1.3% | +2.8% | -0.8% | +1.2% | — |
| Oct 24, 2023 | AMC | 1.43 | 1.48 | +3.5% | 27.37 | +1.2% | +1.2% | +1.1% | +0.3% | +0.9% | -1.0% | — |
| Jul 18, 2023 | AMC | 1.24 | 1.32 | +6.5% | 36.17 | +0.2% | -0.2% | -3.4% | -0.6% | +3.4% | -1.9% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| May 22 | Loop Capital | Initiates | Hold | $81 | $72.00 | $72.01 | +0.0% | -0.2% | +0.1% | +0.3% | -0.9% | -0.0% |
| Apr 23 | Truist | Maintains | Hold → Hold | — | $78.69 | $78.33 | -0.5% | -2.6% | -0.4% | +0.6% | -0.7% | -1.5% |
| Apr 22 | Baird | Maintains | Outperform → Outperform | — | $77.63 | $78.25 | +0.8% | +1.4% | -2.6% | -0.4% | +0.6% | -0.7% |
| Apr 22 | BTIG Research | Downgrade | Buy → Neutral | — | $77.63 | $78.25 | +0.8% | +1.4% | -2.6% | -0.4% | +0.6% | -0.7% |
| Apr 22 | BTIG | Downgrade | Buy → Neutral | — | $77.63 | $78.25 | +0.8% | +1.4% | -2.6% | -0.4% | +0.6% | -0.7% |
| Apr 22 | Barclays | Maintains | Overweight → Overweight | — | $77.63 | $78.25 | +0.8% | +1.4% | -2.6% | -0.4% | +0.6% | -0.7% |
| Apr 9 | Wells Fargo | Maintains | Overweight → Overweight | — | $71.97 | $71.47 | -0.7% | +0.7% | -0.1% | +1.9% | +2.4% | +0.6% |
| Apr 9 | JP Morgan | Maintains | Neutral → Neutral | — | $71.97 | $71.47 | -0.7% | +0.7% | -0.1% | +1.9% | +2.4% | +0.6% |
| Apr 6 | Barclays | Maintains | Overweight → Overweight | — | $68.42 | $68.17 | -0.4% | +1.2% | -0.6% | +4.5% | +0.7% | -0.1% |
| Apr 6 | Evercore ISI | Maintains | Outperform → Outperform | — | $68.42 | $68.17 | -0.4% | +1.2% | -0.6% | +4.5% | +0.7% | -0.1% |
| Mar 23 | Truist | Maintains | Hold → Hold | — | $66.19 | $67.94 | +2.6% | +0.5% | +1.1% | +0.5% | -1.2% | -2.2% |
| Mar 11 | BTIG | Maintains | Buy → Buy | — | $65.46 | $65.41 | -0.1% | -0.4% | -1.9% | -0.3% | +0.4% | +1.8% |
| Feb 13 | Baird | Upgrade | Neutral → Outperform | — | $71.11 | $71.36 | +0.4% | +0.4% | +1.3% | +0.7% | -0.8% | +1.5% |
| Jan 29 | Truist | Maintains | Hold → Hold | — | $73.42 | $73.90 | +0.7% | -0.1% | -1.0% | +1.2% | +0.5% | +1.8% |
| Jan 28 | JP Morgan | Maintains | Neutral → Neutral | — | $73.00 | $74.00 | +1.4% | +0.6% | -0.1% | -1.0% | +1.2% | +0.5% |
| Jan 28 | BTIG | Maintains | Buy → Buy | — | $73.00 | $74.00 | +1.4% | +0.6% | -0.1% | -1.0% | +1.2% | +0.5% |
| Jan 28 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $73.00 | $74.00 | +1.4% | +0.6% | -0.1% | -1.0% | +1.2% | +0.5% |
| Jan 28 | Barclays | Maintains | Overweight → Overweight | — | $73.00 | $74.00 | +1.4% | +0.6% | -0.1% | -1.0% | +1.2% | +0.5% |
| Jan 12 | JP Morgan | Maintains | Neutral → Neutral | — | $86.89 | $79.26 | -8.8% | -8.4% | -2.0% | -0.3% | -0.2% | +3.2% |
| Jan 8 | TD Cowen | Maintains | Buy → Buy | — | $87.43 | $87.14 | -0.3% | +0.3% | -1.0% | -8.4% | -2.0% | -0.3% |
| Jan 6 | Barclays | Maintains | Overweight → Overweight | — | $86.74 | $86.79 | +0.1% | +2.0% | -1.2% | +0.3% | -1.0% | -8.4% |
| Jan 5 | Wells Fargo | Maintains | Overweight → Overweight | — | $84.65 | $84.60 | -0.1% | +2.5% | +2.0% | -1.2% | +0.3% | -1.0% |
| Jan 2 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $83.43 | $83.71 | +0.3% | +1.5% | +2.5% | +2.0% | -1.2% | +0.3% |
| Dec 22 | Truist | Maintains | Hold → Hold | — | $84.68 | $85.47 | +0.9% | +1.4% | -0.3% | +0.6% | -0.1% | -1.5% |
| Dec 17 | Wells Fargo | Maintains | Overweight → Overweight | — | $83.39 | $83.93 | +0.6% | -0.2% | +0.5% | +1.2% | +1.4% | -0.3% |
| Dec 5 | Baird | Downgrade | Outperform → Neutral | — | $80.40 | $79.38 | -1.3% | -0.0% | -0.7% | +1.5% | +4.4% | +1.3% |
| Oct 17 | Truist | Maintains | Hold → Hold | — | $70.25 | $70.61 | +0.5% | +1.8% | +1.0% | +2.4% | -1.3% | +0.3% |
| Oct 16 | Barclays | Maintains | Overweight → Overweight | — | $72.32 | $72.23 | -0.1% | -2.9% | +1.8% | +1.0% | +2.4% | -1.3% |
| Oct 16 | BTIG | Maintains | Buy → Buy | — | $72.32 | $72.23 | -0.1% | -2.9% | +1.8% | +1.0% | +2.4% | -1.3% |
| Oct 16 | Wells Fargo | Maintains | Overweight → Overweight | — | $72.32 | $72.23 | -0.1% | -2.9% | +1.8% | +1.0% | +2.4% | -1.3% |
| Oct 10 | HSBC | Upgrade | Hold → Buy | — | $70.99 | $72.12 | +1.6% | -4.2% | +3.1% | +3.8% | -0.7% | -2.9% |
| Oct 7 | JP Morgan | Downgrade | Overweight → Neutral | — | $71.38 | $70.69 | -1.0% | -0.7% | +0.1% | +0.0% | -4.2% | +3.1% |
| Oct 7 | UBS | Maintains | Neutral → Neutral | — | $71.38 | $70.69 | -1.0% | -0.7% | +0.1% | +0.0% | -4.2% | +3.1% |
| Oct 6 | Barclays | Maintains | Overweight → Overweight | — | $71.23 | $71.85 | +0.9% | +0.2% | -0.7% | +0.1% | +0.0% | -4.2% |
| Oct 1 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $71.05 | $71.09 | +0.1% | -1.7% | +0.6% | +1.4% | +0.2% | -0.7% |
| Sep 30 | Evercore ISI | Maintains | Outperform → Outperform | — | $73.32 | $73.68 | +0.5% | -3.1% | -1.7% | +0.6% | +1.4% | +0.2% |
| Sep 29 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $74.54 | $75.22 | +0.9% | -1.6% | -3.1% | -1.7% | +0.6% | +1.4% |
| Sep 25 | JMP Securities | Maintains | Market Outperform → Market Outperform | — | $74.63 | $73.54 | -1.5% | -0.5% | +0.3% | -1.6% | -3.1% | -1.7% |
| Sep 11 | BofA Securities | Maintains | Buy → Buy | — | $74.74 | $74.81 | +0.1% | +1.7% | -0.8% | +1.2% | -2.3% | +0.4% |
| Jul 24 | Truist | Maintains | Hold → Hold | — | $72.08 | $72.00 | -0.1% | -0.4% | +1.5% | -0.0% | -2.2% | -1.5% |
| Jul 23 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $70.66 | $71.78 | +1.6% | +2.0% | -0.4% | +1.5% | -0.0% | -2.2% |
| Jul 23 | Wells Fargo | Maintains | Overweight → Overweight | — | $70.66 | $71.78 | +1.6% | +2.0% | -0.4% | +1.5% | -0.0% | -2.2% |
| Jul 23 | Barclays | Maintains | Overweight → Overweight | — | $70.66 | $71.78 | +1.6% | +2.0% | -0.4% | +1.5% | -0.0% | -2.2% |
| Jul 17 | JMP Securities | Maintains | Market Outperform → Market Outperform | — | $69.30 | $69.15 | -0.2% | +1.3% | -0.2% | -0.9% | +1.8% | +2.0% |
| Jul 14 | BTIG | Upgrade | Neutral → Buy | — | $70.61 | $70.82 | +0.3% | +0.4% | -3.3% | +1.1% | +1.3% | -0.2% |
| Jul 11 | JP Morgan | Maintains | Overweight → Overweight | — | $71.14 | $70.59 | -0.8% | -0.7% | +0.4% | -3.3% | +1.1% | +1.3% |
| Jul 10 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $70.16 | $70.19 | +0.0% | +1.4% | -0.7% | +0.4% | -3.3% | +1.1% |
| Jul 8 | Barclays | Maintains | Overweight → Overweight | — | $69.70 | $70.67 | +1.4% | -0.6% | +1.3% | +1.4% | -0.7% | +0.4% |
| Jul 2 | Goldman Sachs | Maintains | Buy → Buy | — | $68.17 | $68.48 | +0.5% | +1.9% | +1.0% | -0.7% | -0.6% | +1.3% |
| Jul 1 | Wells Fargo | Maintains | Overweight → Overweight | — | $66.74 | $66.80 | +0.1% | +2.1% | +1.9% | +1.0% | -0.7% | -0.6% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| May 15, 2026 | MOTHNER JONATHAN SOff | See remarks | Sell | 11,258 | $71.23 | $802K | 132,664 | +3.83% | +0.26% |
| May 15, 2026 | MOTHNER JONATHAN SOff | See remarks | Sell | 40,000 | $71.23 | $2.8M | 132,664 | +3.83% | +0.26% |
| May 1, 2026 | COVIELLO ARTHUR W JRDir | — | Sell | 4,000 | $76.55 | $306K | 29,341 | +1.86% | +0.80% |
| May 1, 2026 | Casellas AlbertoOff | See remarks | Sell | 5,794 | $76.55 | $444K | 50,331 | +1.86% | +0.80% |
| May 1, 2026 | Howse CurtisOff | See remarks | Sell | 8,436 | $76.55 | $646K | 86,437 | +1.86% | +0.80% |
8-K
Synchrony Financial -- 8-K Filing
Synchrony Financial reported its monthly charge-off and delinquency statistics as of June 2026, providing investors with updated credit quality metrics for assessing portfolio performance and risk levels.
Jun 9
8-K
Synchrony Financial -- 8-K Filing
May 15
8-K
SYNCHRONY FINANCIAL -- 8-K Filing
Synchrony Financial disclosed updated net charge-off rate metrics in its 8-K filing, providing investors with current loan receivables performance data for evaluating credit quality.
Apr 21
8-K
SYNCHRONY FINANCIAL -- 8-K Filing
Synchrony Financial reported Q1 2026 net earnings of $805 million ($2.27 per share), up from $757 million ($1.89 per share) year-over-year, with the board approving a new share repurchase program.
Apr 21
8-K
Unknown — 8-K Filing
Synchrony Financial's disclosure of net charge-off rate methodology signals potential credit quality concerns, which investors should monitor as rising charge-offs could pressure earnings and capital ratios.
Mar 10
8-K · 8.01
!! High
SYNCHRONY FINANCIAL -- 8-K 8.01: Material Event / Announcement
Synchrony Financial is raising $750 million through senior notes due 2032 at 4.947% interest, providing capital for operations and potential strategic initiatives.
Feb 25
8-K
SYNCHRONY FINANCIAL -- 8-K Filing
Synchrony Financial updated its financial reporting disclosures regarding net charge-off rate calculations, clarifying methodology for measuring credit losses as percentage of average loan receivables.
Feb 10
8-K · 5.02
!!! Very High
Broadridge Financial Solutions Inc -- 8-K 5.02: Executive Change
Broadridge Financial Solutions appoints Trish Mosconi as CEO and Brett Keller resigns as director, both effective April 30, 2026, signaling potential strategic shifts for the financial software provider.
Feb 3
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Capital World Investors | 33,796,907 | $2.3B | Reduced | Mar 2026 |
| 2 | Vanguard Capital Management Llc | 22,597,816 | $1.5B | New | Mar 2026 |
| 3 | Vanguard Portfolio Management Llc | 18,504,717 | $1.3B | New | Mar 2026 |
| 4 | Bank Of America Corp /de/ | 16,064,618 | $1.1B | Added | Mar 2026 |
| 5 | Morgan Stanley | 12,460,222 | $1.0B | Added | Dec 2025 |
| 6 | Invesco Ltd. | 5,630,774 | $383M | Added | Mar 2026 |
| 7 | First Trust Advisors Lp | 5,338,110 | $363M | Added | Mar 2026 |
| 8 | Assetmark, Inc | 4,301,490 | $359M | Reduced | Dec 2025 |
| 9 | Nordea Investment Management Ab | 5,252,464 | $349M | Added | Mar 2026 |
| 10 | Northern Trust Corp | 5,007,461 | $341M | Reduced | Mar 2026 |
| 11 | Aqr Capital Management Llc | 4,485,660 | $302M | Added | Mar 2026 |
| 12 | Robeco Institutional Asset Management B.v. | 2,706,197 | $184M | Reduced | Mar 2026 |
| 13 | Bank Of New York Mellon Corp | 2,680,908 | $182M | Reduced | Mar 2026 |
| 14 | Panagora Asset Management Inc | 2,242,342 | $153M | Reduced | Mar 2026 |
| 15 | Man Group Plc | 2,061,541 | $140M | Added | Mar 2026 |
| 16 | Voya Investment Management Llc | 1,615,720 | $134M | Reduced | Dec 2025 |
| 17 | Nuveen, Llc | 1,894,723 | $129M | Reduced | Mar 2026 |
| 18 | Boston Partners | 1,827,681 | $124M | Reduced | Mar 2026 |
| 19 | Amundi | 1,742,989 | $119M | New | Mar 2026 |
| 20 | Barclays Plc | 1,653,904 | $112M | Added | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$26.93B
Enterprise Value
$24.79B
P/E (TTM)
8.10x
Forward P/E
8.12x
PEG Ratio
1.02x
P/B
1.61x
P/S
1.41x
P/FCF
2.73x
EV/EBITDA
4.83x
Shares Out
357.8M
Financials (TTM)
Revenue
$19.12B
Net Income
$3.55B
EBITDA
$5.13B
Free Cash Flow
$9.85B
Op Cash Flow
$9.85B
EPS Basic
$9.35
EPS Diluted
$9.29
EPS Forward
$9.27
Gross Margin
51.0%
Op Margin
24.2%
Net Margin
18.6%
Balance Sheet
Total Assets
$119.09B
Total Liab.
$102.33B
Total Equity
$16.77B
Cash
$17.32B
LT Debt
$15.18B
Book Value/Sh
$46.85
Debt/Equity
0.91x
Current Ratio
0.21
Quick Ratio
0.21
Returns & Growth
ROE
21.9%
ROA
3.0%
ROIC
9.4%
Rev Growth YoY
-7.9%
EPS Growth YoY
+8.2%
Price Returns
2W
+0.3%
1M
-6.2%
3M
+3.4%
6M
-7.7%
12M
+23.9%
Technicals
52W High
$88.47
52W Low
$61.45
50d MA
$73.37
200d MA
$74.22
RSI (14)
60.60
ATR (14)
$2.12
Beta
1.38
Avg Volume
3.9M
Dividends
Div Rate
$1.43
Div Yield
1.9%
Frequency
4
Ex-Div Date
May 5, 2026
Analyst Price Targets
Consensus
$90.55
High
$100.00
Low
$82.00
Median
$93.00
Data updated apr 27, 2026 3:48am
· Source: financialmodelingprep.com