Business Description
Synchrony Financial
NAICS : 522180
SIC : 6159
ISIN : US87165B1035
Total Employee Number:
20,000Compare
Compare
Traded in other countries / regions
SYF.USASYF.Mexico0LC3.UKS1YF34.Brazil1SYF.ItalySFE.Germany Index Membership
S&P 500Russell 1000Russell 3000MSCI World Index IPO Date
2014-07-31Description
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.99 | |||||
Equity-to-Asset | 0.14 | |||||
Debt-to-Equity | 0.97 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 6/9 | |||||
Beneish M-Score | -2.4 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 18.4 | |||||
3-Year EPS without NRI Growth Rate | 14.7 | |||||
3-Year FCF Growth Rate | 23.9 | |||||
3-Year Book Growth Rate | 17.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 9.16 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 3.42 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 62.41 | |||||
9-Day RSI | 56.91 | |||||
14-Day RSI | 55.85 | |||||
3-1 Month Momentum % | 11.73 | |||||
6-1 Month Momentum % | 14.16 | |||||
12-1 Month Momentum % | 2.89 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 1.55 | |||||
Dividend Payout Ratio | 0.12 | |||||
3-Year Dividend Growth Rate | 8.5 | |||||
Forward Dividend Yield % | 1.7 | |||||
5-Year Yield-on-Cost % | 2 | |||||
3-Year Average Share Buyback Ratio | 7.4 | |||||
Shareholder Yield % | 17.01 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 23.4 | |||||
FCF Margin % | 64.49 | |||||
OCF Margin % | 64.49 | |||||
ROE % | 20.9 | |||||
ROA % | 2.93 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 8.19 | |||||
Forward PE Ratio | 7.64 | |||||
PE Ratio without NRI | 8.19 | |||||
Shiller PE Ratio | 12.19 | |||||
PEG Ratio | 0.48 | |||||
PS Ratio | 1.87 | |||||
PB Ratio | 1.71 | |||||
Price-to-Tangible-Book | 1.9 | |||||
Price-to-Free-Cash-Flow | 2.9 | |||||
Price-to-Operating-Cash-Flow | 2.9 | |||||
EV-to-Revenue | 1.86 | |||||
EV-to-Forward-Revenue | 2.38 | |||||
EV-to-FCF | 2.88 | |||||
Price-to-GF-Value | 1.02 | |||||
Price-to-Projected-FCF | 0.19 | |||||
Price-to-DCF (Earnings Based) | 0.43 | |||||
Price-to-DCF (FCF Based) | 0.15 | |||||
Price-to-Median-PS-Value | 1.02 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.5 | |||||
Price-to-Graham-Number | 0.83 | |||||
FCF Yield % | 37.28 | |||||
Forward Rate of Return (Yacktman) % | 42.03 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsGurus Latest Trades with NYSE:SYF
You need a Premium membership or above to view this section.
Take a 7-Day Free Trial
No Available Data
Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Synchrony Financial Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 15,032 | ||
| EPS (TTM) ($) | 9.76 | ||
| Beta | 1.4291 | ||
| 3-Year Sharpe Ratio | 0.98 | ||
| 3-Year Sortino Ratio | 1.84 | ||
| Volatility % | 24.79 | ||
| 14-Day RSI | 55.85 | ||
| 14-Day ATR ($) | 2.057569 | ||
| 20-Day SMA ($) | 79.2345 | ||
| 12-1 Month Momentum % | 2.89 | ||
| 52-Week Range ($) | 63.08 - 88.77 | ||
| Shares Outstanding (Mil) | 325.37 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Synchrony Financial Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Synchrony Financial Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-02-05 | In 151 days | ||
| Fourth quarter earnings conference call for 2026 | 2027-01-27 08:00 | In 143 days | ||
| Fourth quarter earnings results for 2026 | 2027-01-27 06:00 | In 143 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-15 08:00 | In 39 days | ||
| Third quarter earnings results for 2026 | 2026-10-15 06:00 | In 39 days | ||
| USD 0.340000 Cash Dividend | 2026-08-05 | 79.08 (+1.38%) | ||
| Second quarter earnings conference call for 2026 | 2026-07-21 08:00 | 73.41 (-0.53%) | ||
| Second quarter earnings results for 2026 | 2026-07-21 06:00 | 73.41 (-0.53%) | ||
| General meeting for 2026 | 2026-06-24 09:00 | 75.04 (+0.03%) | ||
| Morgan Stanley US Financials Conference | 2026-06-09 07:30 | 70.55 (-0.30%) |
Show
Entries
Synchrony Financial Frequently Asked Questions
What is Synchrony Financial(SYF)'s stock price today?
The current price of SYF is $79.92. The 52 week high of SYF is $88.77 and 52 week low is $63.08.
When is next earnings date of Synchrony Financial(SYF)?
The next earnings date of Synchrony Financial(SYF) is 2026-10-15 Est..
Does Synchrony Financial(SYF) pay dividends? If so, how much?
The Dividend Yield %  of Synchrony Financial(SYF) is 1.55% (As of Today), Highest Dividend Payout Ratio of Synchrony Financial(SYF) was 0.39. The lowest was 0.1. And the median was 0.15. The  Forward Dividend Yield % of Synchrony Financial(SYF) is 1.7%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on NYSE:SYF
Moon Capital Management
Bullish
2025 Q1
What the manager wrote
In April 3, we purchased additional shares of Synchrony Financial (SYF), another position that we already held in the portfolio. This decision reflects our confidence in the company's growth potential and aligns with our strategy to capitalize on market fluctuations. The addition to our position indicates our belief in Synchrony Financial's ability to perform well in the current economic environment.
Hosking Partners
Neutral
2025 Q1
What the manager wrote
Synchrony was mentioned as one of the largest stock detractors in the quarter, alongside other economically sensitive US Financials. The letter indicates that the company faced challenges amid rising fears of inflation and a potential recession, which weighed on absolute and relative returns.
Press Release
Articles on Synchrony Financial
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers