Synchrony Financial SYF SPXR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 20.8%, reflecting efficient use of shareholder capital.
Trades at a P/E of 8.2, below the sector median of 14.5.
Maintains a net profit margin of 35.5%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +0.6%, earnings +3.6%.
- 5-Year Trend Long-term compounding — profit CAGR 4.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 0.60% |
Compounded Profit Growth
| 5 Years: | 4.05% |
| 1 Year: | 3.60% |
Stock Price Performance
| 1 Year: | +11.93% |
| 6 Months: | +20.88% |
| 3 Months: | +13.30% |
| 1 Month: | +1.59% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)56.05 · Neutral
P/E of 8.21 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 20.8%.
- Excellent profit margin of 35.5%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 SPXR3KFINANCIAL | 79.92 | 8.21 | $26.00B | 1.73% | - | 20.79% | - | 4.05% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 805.00M | 885.00M |
| 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 | 2.27 | 2.59 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
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 | 95.75B | 104.56B | 117.48B | 119.46B | 119.09B |
| Total Equity | 4.33B | 4.58B | 5.96B | 10.48B | 12.60B | 14.20B | 14.23B | 14.68B | 15.09B | 12.70B | 13.65B | 12.87B | 13.90B | 16.58B | 16.77B |
| Cash & Equivalents | 1.19B | 1.33B | 2.32B | 11.83B | 12.32B | 9.32B | 11.60B | 9.40B | 12.15B | 11.52B | 8.34B | 10.29B | 14.26B | 14.71B | 14.97B |
| Long Term Debt | - | - | - | - | 24.28B | 20.15B | 20.80B | 24.00B | 19.87B | 15.78B | 14.51B | 14.19B | 15.98B | 15.46B | 15.18B |
| Total Liabilities | - | - | 53.12B | 65.23B | 71.39B | 76.01B | 81.57B | 92.11B | 89.74B | 83.25B | 82.09B | 91.69B | 103.58B | 102.88B | 102.33B |
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 | 7.10B | 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 | -4.81B | -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 | -5.20B | 5.28B | 9.63B | -611.00M | -4.74B |
| 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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 46.2% | 33.2% | 20.1% | 17.6% | 15.9% | 13.6% | 19.0% | 24.8% | 10.9% | 30.9% | 23.4% | 16.1% | 21.1% | 21.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.49% | 30.89M | $2.41B |
| 2 | Vanguard Capital Management LLC | 6.77% | 22.01M | $1.72B |
| 3 | Capital World Investors | 5.81% | 18.92M | $1.48B |
| 4 | Vanguard Portfolio Management LLC | 5.56% | 18.09M | $1.41B |
| 5 | State Street Corporation | 5.45% | 17.73M | $1.38B |
| 6 | Bank of America Corporation | 4.54% | 14.77M | $1.15B |
| 7 | Goldman Sachs Group Inc | 3.10% | 10.09M | $787.79M |
| 8 | Geode Capital Management, LLC | 3.03% | 9.85M | $769.08M |
| 9 | First Trust Advisors LP | 2.37% | 7.70M | $600.85M |
| 10 | Par Capital Management Inc | 2.34% | 7.61M | $594.13M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SYF
AXQ Capital LP Acquires 15,160 Shares of Synchrony Financial $SYF - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxOV3VrU3kyWGd2NjZqUzJrTEZ2aFlfUUhUZVRjOURnazd1RGdONG5wZDVVN2NkWm82VldkVjgyb0VvMFd3c3ZVc2V0bFF3UXhXRkNLSUs3WG5VXzZEVXg4aDZDRDVsWFlLNGY3RHlkMmhnZkQxaE9NWDZBTTE3cWR0NzczbVotQXVlbGFFbG…
Synchrony Financial (SYF) Stock Trades At A Discount Despite A 164% Return - simplywall.st
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Synchrony Financial (SYF) Expands OpenAI Ties, Is The Stock Still Cheap? - Yahoo Finance
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Synchrony Financial slips as investors digest mixed Q2 earnings signals | SYF Stock News - quiverquant.com
<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxOcFg2YklyWUxSZWNtLVVjaHRLSmJQZnNmMHo4ZnM1c2EyX3RUbmZMTGpqbU44dEJZYWpER0ctbG43OW1GSTFFeXBaNHpLSnI0YmhoQ1d6Zk8wWExzTG50NkpaaVFHSkhQQkVZT3pnckp2cm9pZmRzZGx1U2RrXzA1WThKMlZ4YkpjczRYQW…
Synchrony Financial (NYSE:SYF) Misses Q2 CY2026 Revenue Estimates - StockStory
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B. Metzler seel. Sohn & Co. AG Sells 19,990 Shares of Synchrony Financial $SYF - marketbeat.com
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SYF — Frequently Asked Questions
What is the current share price of Synchrony Financial (SYF)?
As of 2026-09-07 16:24 PDT, Synchrony Financial (SYF) trades at $79.92 on NYSE. Its 52-week range is $63.25 to $87.38.
What is the market capitalisation of SYF?
Synchrony Financial (SYF) has a market capitalisation of $26.00B on NYSE.
What is the P/E ratio of SYF?
SYF trades at a trailing price-to-earnings (P/E) ratio of 8.21. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.68.
Does SYF pay a dividend?
Synchrony Financial (SYF) currently offers a dividend yield of 1.73%.
What is the return on equity (ROE) of SYF?
SYF has a return on equity (ROE) of 20.79%.
Is SYF a good stock to buy?
This page provides a data-driven analysis of Synchrony Financial (SYF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.