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Synchrony Financial (SYF)

Profile

Full Name

Synchrony Financial

Ticker

NYSE: SYF

Exchange

NYSE

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

July 31, 2014

Indexes

S&P 500

Website

https://www.synchrony.com

Employees

20000

Key Details

Price

$74.01(-0.50%)

Market Cap

Last Dividend

$0.30

TTM Dividend Yield

1.49%

Annual Revenue

$20.76B(19.73% YoY)

Annual EPS

$8.55(64.98% YoY)

PE Ratio

8.09

Next earnings date

Jan 27, 2026

Next ex-dividend date

Nov 5, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $74.01
    SYF price is $74.01

    30-Day Relative Volume

    0.78
    SYF 30-day relative volume is 0.78

    Price Performance

    Price 1-Day Change

    -0.5%
    SYF price is down -0.5% today

    Price YTD Change

    +13.86%
    SYF price is up +13.86% since January 1st

    Price 1-Year Change

    +33.95%
    SYF price is up +33.95% year-on-year

    Price 3-Year Change

    +117.55%
    SYF price is up +117.55% over the past 3 years

    Price Range

    Price All-Time High

    $77.41
    SYF price is currently -4.39% below its historical high of $77.41

    Price 3-Year Low

    $26.59
    SYF price is currently +178.34% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $26.66B
    SYF market cap is $26.66 billion

    Market Cap 3-Year Change

    +73.91%
    SYF market cap is up +73.91% over the past 3 years

    Market Cap All-Time High

    $31.00B
    SYF market cap is currently -14.02% below its historical high of $31.00 billion

    Market Cap Sector Percentile

    93.89%
    SYF market cap is higher than 93.89% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -7.49%
    SYF shares outstanding is down -7.49% year-on-year

    Shares Outstanding 3-Year Change

    -20.06%
    SYF shares outstanding is down -20.06% over the past 3 years

    Technical Indicators

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    Beta

    1.64
    SYF beta is 1.64

    200-day SMA

    $64.42
    SYF price is currently +14.89% above its 200-day simple moving average

    50-day SMA

    $73.77
    SYF price is currently +0.32% above its 50-day simple moving average

    14-Day RSI

    53.60
    SYF 14-day relative strength index is 53.60

    Volume

    0.78
    SYF 30-day relative volume is 0.78

    ATR

    $1.97
    SYF average true range is $1.97

    10-day Historical Volatility

    22.29%
    SYF 10-day historical volatility is 22.29%

    Dividend

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    Events

    Last Paid Dividend

    $0.30
    SYF last dividend was $0.30 per share, with an ex-dividend date of August 5, 2025

    Next Dividend

    $0.30
    SYF has announced a dividend of $0.30 per share, with an ex-dividend date set for November 5, 2025

    Dividend per share

    Dividend Per Share

    $1.00
    SYF annual dividend per share is $1.00

    Dividend Per Share Sector Percentile

    53.38%
    SYF annual dividend per share is higher than 53.38% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    +4.17%
    SYF annual dividend per share is up +4.17% year-on-year

    Dividend Per Share 3-Year Change

    +13.64%
    SYF annual dividend per share is up +13.64% over the past 3 years

    Dividend yield

    Dividend Yield

    1.35%
    SYF annual dividend yield is 1.35%

    Dividend Yield Sector Percentile

    11.27%
    SYF annual dividend yield is higher than 11.27% of companies in Financial Services sector

    Other

    Payout Ratio

    13.43%
    SYF annual payout ratio is 13.43%

    Dividends Paid

    $470.00M
    SYF annual dividends paid is $470.00 million

    Free Cash Flow

    $9.85B
    SYF annual free cash flow is $9.85 billion

    Income Statement

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    Revenue

    Revenue

    $20.76B
    SYF annual revenue is $20.76 billion

    Revenue Analysts Estimate

    $15.04B
    SYF annual revenue is currently +38.05% higher than the consensus analysts' forecast

    Revenue 1-Year Change

    +19.73%
    SYF annual revenue is up +19.73% year-on-year

    Revenue Sector Percentile

    95.55%
    SYF annual revenue is higher than 95.55% of companies in Financial Services sector

    EPS

    EPS

    $8.55
    SYF annual earnings per share is $8.55

    EPS Analysts Estimate

    $9.31
    SYF annual earnings per share is currently -8.13% lower than the consensus analysts' forecast

    EPS 1-Year Change

    +64.98%
    SYF annual earnings per share is up +64.98% year-on-year

    EPS Sector Percentile

    93.74%
    SYF annual earnings per share is higher than 93.74% of companies in Financial Services sector

    Profit

    Gross Profit

    $16.63B
    SYF annual gross profit is $16.63 billion

    Gross Margin

    80.11%
    SYF annual gross profit margin is 80.11%

    Operating Profit

    $5.38B
    SYF annual operating income is $5.38 billion

    Operating Margin

    25.92%
    SYF annual operating profit margin is 25.92%

    Net Income

    $3.50B
    SYF annual net profit is $3.50 billion

    Net Margin

    21.70%
    SYF annual net profit margin is 21.70%

    Expenses

    Total Expenses

    $17.26B
    SYF annual total expenses is $17.26 billion

    Operating Expenses

    $2.40B
    SYF annual total operating expenses is $2.40 billion

    Cost Of Goods Sold

    $4.13B
    SYF annual cost of goods sold is $4.13 billion

    Selling, General & Administrative Expenses

    $2.40B
    SYF annual SG&A is $2.40 billion

    Depreciation & Amortization

    $481.00M
    SYF annual D&A is $481.00 million

    Interest Expense

    $828.00M
    SYF annual interest expense is $828.00 million

    Income Tax

    $1.05B
    SYF annual income tax is $1.05 billion

    EBIT & EBITDA

    EBIT

    $9.19B
    SYF annual earnings before interest & taxes is $9.19 billion

    EBITDA

    $12.44B
    SYF annual EBITDA is $12.44 billion

    Balance Sheet

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    Assets

    Total Assets

    $119.46B
    SYF annual total assets is $119.46 billion

    Non Current Assets

    $104.75B
    SYF annual long term assets is $104.75 billion

    Current Assets

    $14.71B
    SYF annual total current assets is $14.71 billion

    Cash and Cash Equivalents

    $14.71B
    SYF annual cash & cash equivalents is $14.71 billion

    Accounts Receivable

    -
    SYF annual accounts receivable value is unknown

    Inventory

    $0.00
    SYF annual inventory is $0.00

    Liabilities

    Total Liabilities

    $102.88B
    SYF annual total liabilities is $102.88 billion

    Long Term Liabilities

    $97.52B
    SYF annual total long term liabilities is $97.52 billion

    Current Liabilities

    $11.01B
    SYF annual current liabilities is $11.01 billion

    Accounts Payable

    -
    SYF annual accounts payable value is unknown

    Debt

    Total Debt

    $15.46B
    SYF annual total debt is $15.46 billion

    Total Debt 1-Year Change

    -3.25%
    SYF annual total debt is down -3.25% year-on-year

    Long Term Debt

    $9.81B
    SYF annual long term debt is $9.81 billion

    Short Term Debt

    $5.65B
    SYF annual short term debt is $5.65 billion

    Equity & Capital

    Shareholders Equity

    $16.58B
    SYF annual stockholders equity is $16.58 billion

    Book Value

    $15.36B
    SYF annual book value is $15.36 billion

    Retained Earnings

    $21.64B
    SYF annual retained earnings is $21.64 billion

    Working Capital

    $3.70B
    SYF annual working capital is $3.70 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $9.85B
    SYF annual cash from operations is $9.85 billion

    Cash From Operations 1-Year Change

    +14.6%
    SYF annual cash from operations is up +14.6% year-on-year

    Cash From Investing

    -$8.90B
    SYF annual cash from investing is -$8.90 billion

    Cash From Investing 1-Year Change

    +37.45%
    SYF annual cash from investing is up +37.45% year-on-year

    Cash From Financing

    -$611.00M
    SYF annual cash from financing is -$611.00 million

    Cash From Financing 1-Year Change

    -106.34%
    SYF annual cash from financing is down -106.34% year-on-year

    CAPEX

    CAPEX

    $0.00
    SYF annual capital expenditures is $0.00

    CAPEX 1-Year Change

    0%
    SYF annual capital expenditures has remained unchanged year-on-year

    Free Cash Flow

    Free Cash Flow

    $9.85B
    SYF annual free cash flow is $9.85 billion

    Free Cash Flow 1-Year Change

    +14.6%
    SYF annual free cash flow is up +14.6% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    80.11%
    SYF annual gross profit margin is 80.11%

    Operating Margin

    25.92%
    SYF annual operating profit margin is 25.92%

    Net Margin

    21.70%
    SYF annual net profit margin is 21.70%

    ROA & ROE

    ROA

    2.95%
    SYF annual return on assets is 2.95%

    ROE

    22.96%
    SYF annual return on equity is 22.96%

    Valuation

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    PE Ratio

    PE Ratio

    8.09
    SYF price to earnings ratio is 8.09

    PE Ratio Sector Percentile

    7.49%
    SYF price to earnings ratio is higher than 7.49% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    1.68
    SYF price to book ratio is 1.68

    PB Ratio Sector Percentile

    80.06%
    SYF price to book ratio is higher than 80.06% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    1.38
    SYF price to sales ratio is 1.38

    PS Ratio Sector Percentile

    27.42%
    SYF price to sales ratio is higher than 27.42% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $24.84B
    SYF enterprise value is $24.84 billion

    Enterprise Value Sector Percentile

    91.58%
    SYF enterprise value is higher than 91.58% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    2.23
    SYF EV/EBITDA is 2.23

    EV/EBITDA Sector Percentile

    56.39%
    SYF EV/EBITDA is higher than 56.39% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current Ratio

    1.34
    SYF annual current ratio is 1.34

    Quick Ratio

    1.34
    SYF annual quick ratio is 1.34

    Leverage

    Debt To Equity

    0.93
    SYF annual debt to equity ratio is 0.93

    Interest Coverage Ratio

    11.10
    SYF annual interest coverage ratio is 11.10

    Risk & Stability

    F-Score

    7
    SYF piotroski f-score is 7

    Altman Z-Score

    0.87
    SYF altman z-score is 0.87

    Analyst ratings

    Recent major analysts updates

    Oct 17, 25 Truist Securities
    Hold
    Oct 16, 25 Wells Fargo
    Overweight
    Oct 16, 25 Barclays
    Overweight
    Oct 16, 25 BTIG
    Buy
    Oct 10, 25 HSBC
    Buy
    Oct 7, 25 UBS
    Neutral
    Oct 7, 25 JP Morgan
    Neutral
    Oct 6, 25 Barclays
    Overweight
    Oct 1, 25 Keefe, Bruyette & Woods
    Outperform
    Sep 30, 25 Evercore ISI Group
    Outperform

    Institutional Ownership

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    • What is the ticker symbol for Synchrony Financial?
    • Does Synchrony Financial pay dividends?
    • What sector is Synchrony Financial in?
    • What industry is Synchrony Financial in?
    • What country is Synchrony Financial based in?
    • When did Synchrony Financial go public?
    • Is Synchrony Financial in the S&P 500?
    • Is Synchrony Financial in the NASDAQ 100?
    • Is Synchrony Financial in the Dow Jones?
    • When was Synchrony Financial's last earnings report?
    • When does Synchrony Financial report earnings?

    What is the ticker symbol for Synchrony Financial?

    The ticker symbol for Synchrony Financial is NYSE:SYF

    Does Synchrony Financial pay dividends?

    Yes, Synchrony Financial pays dividends. The last payment was $0.30, with an ex-dividend date on August 5, 2025

    What sector is Synchrony Financial in?

    Synchrony Financial is in the Financial Services sector

    What industry is Synchrony Financial in?

    Synchrony Financial is in the Credit Services industry

    What country is Synchrony Financial based in?

    Synchrony Financial is headquartered in United States

    When did Synchrony Financial go public?

    Synchrony Financial's initial public offering (IPO) was on July 31, 2014

    Is Synchrony Financial in the S&P 500?

    Yes, Synchrony Financial is included in the S&P 500 index

    Is Synchrony Financial in the NASDAQ 100?

    No, Synchrony Financial is not included in the NASDAQ 100 index

    Is Synchrony Financial in the Dow Jones?

    No, Synchrony Financial is not included in the Dow Jones index

    When was Synchrony Financial's last earnings report?

    Synchrony Financial's most recent earnings report was on October 15, 2025

    When does Synchrony Financial report earnings?

    The next expected earnings date for Synchrony Financial is January 27, 2026
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