Synchrony Financial SYF SPX
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 21.8%.
- Excellent profit margin of 36.4%.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SYF Synchrony Financial SPX | 71.44 | 7.40 | $24.03B | 1.68% | - | 21.78% | 8.67% | 5.60% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.72B | 3.65B | 3.82B | 3.79B | 3.70B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.09B | 1.06B | 1.01B | 973.00M | 968.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 984.00M | 1.26B | 1.43B | 952.00M | 1.05B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 227.00M | 289.00M | 352.00M | 201.00M | 242.00M |
| Net Income | 552.00M | 541.00M | 574.00M | 547.00M | 582.00M | 489.00M | 604.00M | 576.00M | 499.00M | 496.00M | 555.00M | 385.00M | 640.00M | 696.00M | 671.00M | 783.00M | 1.11B | 853.00M | 1.06B | 731.00M | 286.00M | 48.00M | 313.00M | 1.02B | 1.24B | 1.14B | 932.00M | 804.00M | 703.00M | 601.00M | 569.00M | 628.00M | 1.29B | 643.00M | 789.00M | 757.00M | 967.00M | 1.08B | 751.00M | 805.00M |
| Diluted EPS | 0.66 | 0.65 | 0.69 | 0.65 | 0.70 | 0.58 | 0.73 | 0.70 | 0.61 | 0.61 | 0.70 | 0.49 | 0.83 | 0.92 | 0.91 | 1.09 | 1.56 | 1.24 | 1.60 | 1.15 | 0.45 | 0.06 | 0.52 | 1.73 | 2.12 | 2.00 | 1.77 | 1.60 | 1.47 | 1.35 | 1.32 | 1.48 | 3.14 | 1.55 | 1.94 | 1.89 | 2.50 | 2.86 | 2.04 | 2.27 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 11.67B | 13.63B | 15.06B | 14.98B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | 1.52B | 3.71B | 4.63B | 4.13B |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | 3.96B | 2.90B | 4.55B | 4.62B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | 946.00M | 666.00M | 1.05B | 1.07B |
| Net Income | 2.12B | 1.98B | 2.11B | 2.21B | 2.25B | 1.94B | 2.79B | 3.75B | 1.39B | 4.22B | 3.02B | 2.24B | 3.50B | 3.55B |
| Diluted EPS | 3.00 | 2.81 | 2.78 | 2.65 | 2.71 | 2.42 | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 | 9.28 |
Compounded Sales Growth
| 5 Years: | 8.67% |
| 1 Year: | 6.10% |
Compounded Profit Growth
| 5 Years: | 5.60% |
| 1 Year: | 20.10% |
Stock Price Performance
| 1 Year: | +25.99% |
| 6 Months: | -5.87% |
| 3 Months: | +3.79% |
| 1 Month: | -4.51% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 59.09B | 75.71B | 83.99B | 90.21B | 95.81B | 106.79B | 104.83B | 95.95B | - | 104.56B | 117.48B | 119.46B | 119.09B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 1.19B | 1.33B | 2.32B | 11.83B | 12.32B | 9.32B | 11.60B | 9.40B | 12.15B | 11.52B | - | 10.29B | 14.26B | 14.71B | 14.97B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | - | 53.12B | 65.23B | 71.39B | 76.01B | 81.57B | 92.11B | 89.74B | 83.25B | - | 91.69B | 103.58B | 102.88B | 102.33B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | 24.28B | 20.15B | 20.80B | 24.00B | 19.87B | 15.78B | - | 14.19B | 15.98B | 15.46B | 15.18B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | 14.19B | 15.98B | 15.46B | 15.18B |
| Total Equity | 4.33B | 4.58B | 5.96B | 10.48B | 12.60B | 14.20B | 14.23B | 14.68B | 15.09B | 12.70B | - | 12.87B | 13.90B | 16.58B | 16.77B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | 833.98M | 833.98M | 833.98M | 834.40M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 5.64B | 5.68B | 5.34B | 6.18B | 6.51B | 8.57B | 9.34B | 8.99B | 7.49B | - | 6.69B | 8.59B | 9.85B | 9.85B |
| Investing Cash Flow | -6.45B | -1.07B | -10.07B | -10.80B | -13.36B | -9.54B | -19.04B | -261.00M | -498.00M | - | -10.23B | -14.23B | -8.90B | -4.85B |
| Financing Cash Flow | 962.00M | -3.63B | 14.24B | 5.12B | 3.81B | 3.12B | 8.25B | -6.46B | -8.03B | - | 5.28B | 9.63B | -611.00M | -4.74B |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | 6.69B | 8.59B | 9.85B | 9.85B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | 1.74B | 3.99B | 334.00M | 262.00M |
| Share Buybacks | - | - | 0 | 0 | 476.00M | 1.50B | 1.87B | 3.62B | 985.00M | 2.88B | 3.32B | 1.11B | 1.01B | 2.94B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | 25.8% | 16.4% | 23.2% | 23.7% |
| ROE % | 46.2% | 33.2% | 20.1% | 17.6% | 15.9% | 13.6% | 19.0% | 24.8% | 10.9% | - | 23.4% | 16.1% | 21.1% | 21.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Capital World Investors | 10.05% | 33.80M | $2.41B |
| 2 | Blackrock Inc. | 9.06% | 30.48M | $2.18B |
| 3 | Vanguard Capital Management LLC | 6.72% | 22.60M | $1.61B |
| 4 | Vanguard Portfolio Management LLC | 5.50% | 18.50M | $1.32B |
| 5 | State Street Corporation | 5.27% | 17.72M | $1.27B |
| 6 | Bank of America Corporation | 4.78% | 16.06M | $1.15B |
| 7 | Geode Capital Management, LLC | 2.96% | 9.95M | $710.74M |
| 8 | Goldman Sachs Group Inc | 2.85% | 9.59M | $685.43M |
| 9 | Par Capital Management Inc | 2.26% | 7.61M | $543.81M |
| 10 | Dimensional Fund Advisors LP | 1.80% | 6.04M | $431.48M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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