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SYF Overview

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

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High
78.710
Open
76.380
VWAP
77.74
Vol
5.26M
Mkt Cap
27.23B
Low
76.170
Amount
408.70M
EV/EBITDA(TTM)
4.36
Total Shares
347.60M
EV
28.66B
EV/OCF(TTM)
3.21
P/S(TTM)
1.43
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.
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Events Timeline

(ET)
2026-02-25
09:20:00
Synchrony Renews Financing Partnership with Polaris
select

News

CNBC
9.5
04-19CNBC
Wall Street Earnings Season Faces Major Test
  • Earnings Season Significance: Wall Street is set for a packed earnings season featuring key companies like Capital One and Boeing, with investors eager to glean insights into the economic impact of the Iran war from these reports.
  • Capital One Performance Focus: Capital One is scheduled to report earnings on Tuesday, with market attention on its consumer health metrics and the progress of its acquisitions of Discover and Brex, particularly amid rising economic uncertainties.
  • Boeing Earnings Outlook: Boeing is expected to release its earnings report on Wednesday, with market focus on order volumes in both its commercial and defense sectors, as well as free cash flow performance, especially after previous unexpected losses.
  • GE Vernova Order Growth: GE Vernova will report alongside Boeing, with first-quarter new orders anticipated to reach $14.4 billion, reflecting a 65% year-over-year increase, indicating strong market performance amid rising electricity demand.
CNBC
4.5
04-18CNBC
Chip Stocks Face Pullback Risks After Rally
  • Market Performance Review: The three major indexes surged this week, with the S&P 500 recording its largest one-week gain since May, while the information technology sector climbed 8%, indicating a strong market rebound.
  • Overbought Signals: Following the significant market gains, CNBC Pro screened for overbought stocks, with AMD's relative strength index (RSI) exceeding 80, as shares jumped over 13% this week, suggesting potential short-term pullback risks.
  • Analyst Ratings Optimistic: Despite concerns of a pullback, most analysts polled by FactSet maintain a buy rating for AMD, expecting about 5% more upside, reflecting confidence in its long-term performance.
  • Other Stock Performances: In addition to AMD, ON Semiconductor, Intel, and Broadcom also showed strong performances with RSIs in the high 70s, while Synchrony Financial's RSI approached 74, indicating potential for an 8% increase over the next year despite a year-to-date decline of over 6%.
CNBC
4.5
04-17CNBC
Wall Street Optimism Rises Amid Ceasefire Hopes
  • Market Rebound: The S&P 500 and Nasdaq Composite reached all-time highs this week, with the S&P 500 surpassing 7,100 for the first time, reflecting strong investor confidence in economic recovery and suggesting further upward momentum for equities.
  • Earnings Expectations: According to FactSet, the S&P 500 is projected to have a blended growth rate of 12.5% in Q1, with 78% of reporting companies exceeding expectations, providing a positive backdrop for the upcoming earnings season that could further bolster market confidence.
  • Oil Price Volatility: While oil prices have fallen to around $80 per barrel, significantly below the $110 peak during the conflict, the market must remain vigilant regarding the potential impacts of U.S.-Iran tensions on global supply chains, particularly concerning the safety of transit through the Strait of Hormuz.
  • Technical Fragility: Despite the market's strong short-term performance, analyst Craig Johnson warns that the rapid transition from oversold to overbought conditions masks underlying macroeconomic risks, urging investors to remain cautious and focus on high-quality investment opportunities.
Newsfilter
8.5
04-14Newsfilter
Launch of RH Credit Card Financing Program
  • New Financing Solution: Synchrony has launched the RH Credit Card to provide flexible financing options for RH customers, supporting their purchases of luxury home furnishings at RH galleries, outlets, and RH.com, thereby enhancing the shopping experience and driving sales growth.
  • Member Exclusive Benefits: The RH Credit Card is fully integrated with the RH Members Program, allowing members to enjoy 30% savings on all purchases and exclusive interior design services, which further enhances customer loyalty and attracts more high-end consumers.
  • Fast Application Process: The credit application process is seamlessly integrated across channels, enabling customers to receive credit decisions in minutes, which will improve customer satisfaction and accelerate purchasing decisions.
  • Market Expansion Strategy: This partnership not only strengthens Synchrony's influence in the home furnishings market but also consolidates its position in the furniture retail industry through collaboration with RH, which is expected to drive long-term growth for both parties.
PRnewswire
7.5
04-10PRnewswire
Significant Barriers to Vision Care Financing Identified
  • Cost Influences Decisions: According to Synchrony's survey, 55% of patients are more likely to choose optometrists offering payment options, highlighting the significant role of cost in vision care decisions, which impacts treatment choices and service utilization.
  • Strong Demand for Financing: The study reveals that 80% of consumers would consider financing vision care expenses when costs reach approximately $761, and 44% of patients are willing to switch providers entirely for financial convenience, indicating a strong demand for financing options.
  • Generational Divide: 78% of Gen Z report that cost impacts their vision care frequency, with 50% expressing interest in LASIK, yet only 5% are actual LASIK patients, illustrating the financial barriers faced by younger individuals.
  • CareCredit Solution: The CareCredit credit card offers financing options for patients, with over 12 million open cardholder accounts and $40 billion in available credit, serving as a powerful tool for vision care providers to support patient access to necessary care.
Newsfilter
2.0
04-10Newsfilter
Significant Barriers to Vision Care Financing Identified
  • Financing Gap: The study reveals that 44% of patients are willing to switch vision providers for financial convenience, yet only 22% recall being offered financing options, indicating a significant gap that affects patient choices and treatment decisions in vision care.
  • Cost Impact on LASIK: 59% of consumers cite cost as the primary reason for not proceeding with LASIK, surpassing concerns about surgical risks and negative outcomes, highlighting the critical role of pricing in patient decision-making and potential market losses.
  • Gen Z Financing Needs: 78% of Gen Z consumers report that cost impacts their frequency of seeking vision care, with 50% expressing interest in LASIK, yet only 5% of LASIK patients are from this demographic, illustrating the financial barriers faced by this generation.
  • Provider Opportunities: The research indicates that 43% of patients would be more likely to seek care if they could pay in installments, presenting an opportunity for vision providers to attract and retain patients through flexible payment options, ultimately enhancing long-term eye health and quality of life.
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
Wells Fargo
Overweight
downgrade
$100 -> $95
AI Analysis
2026-04-09
Reason
Wells Fargo
Price Target
$100 -> $95
AI Analysis
2026-04-09
downgrade
Overweight
Reason
Wells Fargo lowered the firm's price target on Synchrony to $95 from $100 and keeps an Overweight rating on the shares. With war risk receding, the next stock battle is AI job fears, where investors seem mostly bearish, the firm argues. Wells notes credit & card spend are tracking well, and stimulus will outweigh gas. The firm expects banks to reiterate a constructive tone on the consumer next week.
JPMorgan
Neutral
downgrade
$84 -> $73
2026-04-09
Reason
JPMorgan
Price Target
$84 -> $73
2026-04-09
downgrade
Neutral
Reason
JPMorgan lowered the firm's price target on Synchrony to $73 from $84 and keeps a Neutral rating on the shares. The firm adjusted targets in the consumer finance group as part of a Q1 earnings preview. The macroeconomic environment "remains volatile and unpredictable," the analyst tells investors in a research note. JPMorgan says "selectivity remains paramount" in this environment.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SYF
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Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 8.22, compared to its 5-year average forward P/E of 7.33. 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
7.33
Current PE
8.22
Overvalued PE
8.49
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
0.31
Current EV/EBITDA
3.25
Overvalued EV/EBITDA
1.60
Undervalued EV/EBITDA
-0.97

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
1.52
Current PS
1.67
Overvalued PS
2.01
Undervalued PS
1.04

Financials

AI Analysis
Annual
Quarterly

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Whales Holding SYF

L
Los Angeles Capital Management LLC
Holding
SYF
+47.13%
3M Return
P
PanAgora Asset Management, Inc.
Holding
SYF
+44.43%
3M Return
P
Pacific Investment Management Company LLC
Holding
SYF
+15.95%
3M Return
R
Royal Bank of Canada Trust Company (Bahamas) Limited
Holding
SYF
+13.62%
3M Return
W
WEDGE Capital Management LLP
Holding
SYF
+12.87%
3M Return
C
C.S. McKee, L.P.
Holding
SYF
+8.50%
3M Return

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Frequently Asked Questions

What is Synchrony Financial (SYF) stock price today?

The current price of SYF is 78.34 USD — it has increased 4.22

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 5.29B USD, increased 3.83

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

Synchrony Financial. EPS for the last quarter amounts to 2.04 USD, increased 6.81

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

Synchrony Financial (SYF) has 20000 emplpoyees as of April 20 2026.

What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 27.23B USD.