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SYF Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
72.280
Open
68.870
VWAP
70.87
Vol
5.24M
Mkt Cap
24.07B
Low
68.760
Amount
371.52M
EV/EBITDA(TTM)
2.99
Total Shares
336.37M
EV
20.05B
EV/OCF(TTM)
2.16
P/S(TTM)
1.20
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
Show More

Events Timeline

(ET)
2026-06-29
16:30:00
Synchrony Appoints New CEO for Digital Platform
select
2026-04-30 (ET)
2026-04-30
10:40:00
Synchrony Expands Partnership with Lowe's to Launch New Card
select

News

Newsfilter
8.5
07-08Newsfilter
PinnedSynchrony Launches Debt-Free Skilled Trades Degree Program
  • Debt-Free Degree Program: Synchrony has launched a new initiative allowing U.S. employees to earn debt-free associate degrees in high-demand fields like HVAC and welding after three months of service, addressing nearly 500,000 unfilled skilled trade jobs in the U.S. and enhancing the company's competitive edge in tech-driven industries.
  • Investment in Skills Training: The program offers up to $24,000 annually for tuition, aimed at developing the technical talent needed for the future, helping employees gain industry-recognized credentials that enhance their career prospects and drive overall business growth for Synchrony.
  • Community Support and Development: Since 2021, the Synchrony Foundation has donated nearly $1 million to skilled trade programs nationwide, including $150,000 for scholarships to Women in HVACR, reflecting the company's commitment to educational equity and community development.
  • Role of Women in the Industry: At the Women in the Trades forum, industry leaders shared insights on enhancing women's participation in skilled trades through training and mentorship, further driving demand for skilled talent and promoting sustainable economic development.
NASDAQ.COM
4.0
07-09NASDAQ.COM
Rising Global Inflation Heightens Credit Card Risks
  • Inflation Pressure Intensifies: The U.S. Bureau of Labor Statistics reports a 4.2% year-over-year increase in consumer prices for May, primarily driven by rising energy costs, indicating persistent inflationary pressures that could reduce consumer spending and impact credit card issuers' performance.
  • Surge in Credit Card Debt: The Federal Reserve indicates that U.S. borrowers' credit card debt reached nearly $1.25 trillion at the end of Q1, up 5.9% year-over-year, suggesting that consumers increasingly rely on credit cards for basic needs, which may lead to rising default risks in the future.
  • Increase in Delinquent Accounts: The percentage of credit card accounts at least 90 days delinquent has reached an 18-year high of 13.2%, reflecting the financial strain on consumers coping with high inflation, which could directly impact the profitability of credit card issuers.
  • Subprime Borrower Risks: Capital One Financial reports that about a quarter of its cardholders have FICO scores below 660, indicating a higher risk of defaults; with ongoing inflation, its Q2 delinquency and charge-off rates are expected to rise significantly, potentially negatively affecting its stock price.
Fool
2.0
07-09Fool
Rising Inflation's Impact on Credit Card Lending in the U.S.
  • Inflation Surge: Consumer prices in the U.S. rose 4.2% year-over-year in May, primarily driven by higher energy costs, indicating increased economic pressure that may lead consumers to rely more on credit cards for basic needs, thus impacting the credit card lending market.
  • Credit Card Debt Spike: The Federal Reserve reports that U.S. credit card debt reached nearly $1.25 trillion in Q1, up 5.9% year-over-year, highlighting consumers' increasing reliance on credit cards to manage rising living costs.
  • Delinquency Risk Increase: The percentage of credit card accounts at least 90 days delinquent has hit an 18-year high of 13.2%, signaling greater default risks for credit card issuers, particularly those lending to subprime borrowers.
  • Market Disparity: While Bank of America and Wells Fargo report stable delinquency rates, subprime lenders like Capital One and Synchrony Financial may face significant challenges due to their higher proportions of low credit score borrowers, indicating a potential rise in defaults.
PRnewswire
4.5
07-08PRnewswire
New Program Empowers Employees to Earn Degrees Debt-Free
  • Employee Degree Program: Synchrony has launched a new initiative allowing all U.S. employees to earn debt-free associate degrees in high-demand fields like HVAC, electrical, and welding after three months of service, aimed at enhancing skills that support critical roles in data center operations and advanced mechanics.
  • Industry Leadership Forum: At the Women in the Trades forum, industry leaders convened to discuss strengthening the pipeline for tech-enabled trade careers, focusing on increasing female participation and development in technical fields, thereby enhancing overall industry diversity and inclusivity.
  • High-Demand Fields: The program emphasizes high-demand occupations such as HVAC and electrical work, aiming to provide educational opportunities that help employees gain a competitive edge in a rapidly evolving technological landscape, thus improving overall operational efficiency for the company.
  • Community Collaboration: Synchrony collaborates with leading nonprofit organizations to ensure employees can access necessary skills training through community and technical colleges, further promoting employee career development and reinforcing the company's leadership position in the technology sector.
Fool
9.5
07-04Fool
Analysis of Synchrony's Financial Risks and Opportunities
  • Financial Risk Exposure: Synchrony's partnerships with retailers like Amazon and Walmart allow it to provide revolving credit, attracting many customers but also exposing it to lower credit quality risks, particularly during economic downturns which could pressure its business.
  • Stable Delinquency Rates: The 30-day delinquency rate stood at 4.5% in Q1 2026, unchanged from Q4 2025, indicating relative stability in customer repayment ability, while the 90-day delinquency rate saw a slight increase, yet remains manageable overall.
  • Charge-Off Improvement: Although net charge-offs rose to 5.4% from Q4 2025, this marks a significant improvement from nearly 6.4% a year ago, suggesting that customers' financial conditions are improving, which bolsters investor confidence.
  • Enhanced Shareholder Returns: The announcement of a 13% dividend increase and a $6.5 billion stock repurchase program, alongside a current P/E ratio of 7.9x exceeding its five-year average, indicates that the company remains attractive even amid economic uncertainties, appealing to risk-tolerant investors.
NASDAQ.COM
9.5
07-04NASDAQ.COM
Analysis and Outlook on Synchrony's Financial Status
  • Credit Risk Profile: Synchrony primarily serves lower-credit-quality consumers with private-label credit cards, which can be profitable in strong economic conditions but pose higher default risks during recessions, prompting investors to monitor key metrics like delinquency and charge-off rates closely.
  • Stable Delinquency Rates: The 30-day delinquency rate stood at 4.5% in Q1 2026, unchanged from Q4 2025, indicating relative stability in customer financial health, although the 90-day rate saw a slight increase, the overall trend remains stable without significant deterioration.
  • Dividend and Buyback Initiatives: The announcement of a 13% dividend increase and a $6.5 billion stock repurchase program reflects confidence in future cash flows, with a current P/E ratio of 7.9, above the five-year average, suggesting market optimism about the company's future performance.
  • Investor Strategy: While economic risks are rising, conservative investors may prefer to stay on the sidelines, whereas those willing to take risks might find Synchrony's retailer-focused strategy appealing, believing it provides a competitive edge in the market.
Wall Street analysts forecast SYF stock price to rise
15 Analyst Rating
Wall Street analysts forecast SYF stock price to rise
10 Buy
5 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
83.00
Averages
94.60
High
101.00
Current: 0.000
sliders
Low
83.00
Averages
94.60
High
101.00
UBS
Neutral
maintain
$77 -> $84
AI Analysis
2026-07-07
New
Reason
UBS
Price Target
$77 -> $84
AI Analysis
2026-07-07
New
maintain
Neutral
Reason
UBS raised the firm's price target on Synchrony to $84 from $77 and keeps a Neutral rating on the shares.
Truist
Brian Foran
Hold
maintain
$71 -> $82
2026-04-23
Reason
Truist
Brian Foran
Price Target
$71 -> $82
2026-04-23
maintain
Hold
Reason
Truist analyst Brian Foran raised the firm's price target on Synchrony to $82 from $71 and keeps a Hold rating on the shares. The firm is positive on the company's better credit growth and bigger buyback, the analyst tells investors in a research note. Active accounts seem partly down to less big-ticket promo financing however, the firm added.
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Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 8.12, compared to its 5-year average forward P/E of 7.31. For a more detailed relative valuation and DCF analysis to assess Synchrony Financial's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.31
Current PE
8.12
Overvalued PE
8.44
Undervalued PE
6.18

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.42
Current EV/EBITDA
2.57
Overvalued EV/EBITDA
1.78
Undervalued EV/EBITDA
-0.93

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.49
Current PS
1.57
Overvalued PS
1.93
Undervalued PS
1.04

Financials

AI Analysis
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Whales Holding SYF

H
Heritage Investors Management Corp
Holding
SYF
+13.43%
3M Return
H
Hosking Partners LLP
Holding
SYF
+13.32%
3M Return
B
BBK Gestion SGIIC SA
Holding
SYF
+12.74%
3M Return
C
C.S. McKee, L.P.
Holding
SYF
+12.70%
3M Return
J
Jacobs Levy Equity Management Inc
Holding
SYF
+11.89%
3M Return
L
Livförsäkringsbolaget Skandia, ömsesidigt
Holding
SYF
+11.08%
3M Return

Trading Trends

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Frequently Asked Questions

What is Synchrony Financial (SYF) stock price today?

The current price of SYF is 71.57 USD — it has increased 4.85

What is Synchrony Financial (SYF)'s business?

Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.

What is the price predicton of SYF Stock?

Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is94.60 USD with a low forecast of 83.00 USD and a high forecast of 101.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Synchrony Financial (SYF)'s revenue for the last quarter?

Synchrony Financial revenue for the last quarter amounts to 5.13B USD, increased 4.16

What is Synchrony Financial (SYF)'s earnings per share (EPS) for the last quarter?

Synchrony Financial. EPS for the last quarter amounts to 2.27 USD, increased 20.11

How many employees does Synchrony Financial (SYF). have?

Synchrony Financial (SYF) has 20000 emplpoyees as of July 10 2026.

What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 24.07B USD.