SYF (Synchrony Financial) Institutional Ownership: 117.15% (As of Jul. 08, 2026)


SYF Synchrony Financial SYF
75 GF Score
Price $75.52
GF Value $66.39
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Institutional Ownership?

Synchrony Financial SYF -1.99% 75 Institutional Ownership is 117.15% as of Jul. 08, 2026. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $66.39 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Synchrony Financial's institutional ownership is 117.15%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Synchrony Financial's Insider Ownership is 1.05%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Synchrony Financial's Float Percentage Of Total Shares Outstanding is 75.99%.

Synchrony Financial Institutional Ownership Historical Data

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The historical data trend for Synchrony Financial's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Synchrony Financial Institutional Ownership Chart

Synchrony Financial Historical Data

The historical data trend for Synchrony Financial can be seen below:

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 72.30 72.37 72.13 72.99 72.64 72.35 68.36 70.52 70.69 71.21
SYF
75GF Score
Synchrony Financial SYF
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 117.15% mean?
Synchrony Financial (SYF) has a Institutional Ownership of 117.15% as of Jul. 08, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Institutional Ownership too high?
Synchrony Financial's current Institutional Ownership is 117.15%. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Institutional Ownership compare to AFRM and SOFI?
Synchrony Financial's Institutional Ownership of 117.15% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Credit Services company?
A good Institutional Ownership depends on the Credit Services industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Institutional Ownership is 117.15%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Modestly Overvalued. The stock's GF Value™ is $66.39, compared to a current price of $75.52 — trading 13.8% above its estimated fair value. The current Institutional Ownership is 117.15%. Synchrony Financial's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Institutional Ownership is 117.15% as of Jul. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Synchrony Financial (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $75.52 is trading 13.8% above its estimated GF Value™ of $66.39. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Institutional Ownership: 117.15%
  • GF Value™: $66.39 vs. price of $75.52 (13.8% above fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
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).
75GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$75.52
Price
$66.39
GF Value