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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

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High
66.450
Open
65.620
VWAP
65.99
Vol
2.77M
Mkt Cap
22.94B
Low
65.520
Amount
182.74M
EV/EBITDA(TTM)
3.67
Total Shares
347.60M
EV
24.15B
EV/OCF(TTM)
2.71
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)
2026-02-25
09:20:00
Synchrony Renews Financing Partnership with Polaris
select

News

CNBC
4.0
03-25CNBC
Impact of Sports Betting on Household Finances
  • Surge in Betting Expenditure: The American Gaming Association estimates that legal sports betting for this year's NCAA men's and women's basketball tournaments will reach $3.3 billion, marking a 54% increase over the past three years, indicating a rapid rise in sports betting participation, which may strain household financial stability.
  • Deteriorating Credit Health: A report from the New York Federal Reserve highlights an increase in credit delinquencies in states with legalized betting, particularly among those under 40, suggesting that gambling may significantly impact young consumers' financial health and lead to higher bankruptcy risks.
  • Declining Credit Scores: According to FICO, the national average credit score has dropped to 714, down two points from last year, primarily due to the resumption of student loan and mortgage delinquency reporting, reflecting an overall deterioration in consumer credit health.
  • Economic Divergence: While some consumers face worsening credit conditions, FICO also notes a growing number of consumers exhibiting strong credit behaviors at both ends of the scoring spectrum, indicating a K-shaped recovery in the economy, where some borrowers are experiencing increased financial pressure.
Newsfilter
8.5
03-25Newsfilter
Synchrony Employees Participate in Charity Event
  • Charity Event Overview: Over 150 Synchrony employees participated in the 11th annual 'Doubles Dive,' bravely plunging into cold waters to support the Connecticut-based SeriousFun Children's Network, which provides free camp experiences for children with serious illnesses from over 50 countries.
  • Donation Matching Program: Synchrony will match donations at a 2:1 ratio, amplifying support for children and families in need, which reflects the company's ongoing commitment to community engagement and social responsibility.
  • Global Participation Expansion: This year, more than 1,000 Synchrony employees will engage in local plunges or support the cause virtually, showcasing the global spirit of the 'Doubles Dive' and fostering unity and compassion among employees.
  • Fundraising Achievements: Since its inception in 2016, the 'Doubles Dive' has raised over $1.4 million for nonprofit organizations, including SeriousFun Children's Network, highlighting Synchrony's proactive role in promoting social responsibility.
PRnewswire
2.0
03-25PRnewswire
Synchrony Employees Participate in Charity Event
  • Expanded Charity Event: This year's 'Doubles Dive' attracted over 150 Synchrony employees, highlighting the company's ongoing commitment to community support while fostering unity and collaboration among staff.
  • Donation Matching Program: Synchrony will match donations at a 2:1 ratio, meaning every contribution will provide greater support for children and families in need, significantly amplifying the event's impact.
  • Global Participation: The event extends beyond Connecticut, with over 1,000 Synchrony employees participating globally through local plunges or virtual support, showcasing the company's sense of social responsibility on a worldwide scale.
  • Cumulative Fundraising Achievement: Since its inception in 2016, the 'Doubles Dive' has raised over $1.4 million for nonprofit organizations, including SeriousFun Children's Network, demonstrating Synchrony's steadfast support for improving children's lives.
Newsfilter
9.5
03-24Newsfilter
Synchrony to Report Q1 2026 Earnings on April 21
  • Earnings Release Schedule: Synchrony plans to report its Q1 2026 earnings on April 21, 2026, with materials available at 6:00 a.m. ET, demonstrating the company's commitment to transparency and investor communication.
  • Conference Call Details: Following the earnings release, Synchrony will hold a conference call at 8:00 a.m. ET on the same day, providing a live audio webcast to enhance investor engagement and information sharing.
  • Company Overview: Synchrony is a leading consumer financing company that has been central to American commerce for nearly a century, dedicated to supporting the future of retail through innovative solutions that empower consumers.
  • Commitment to Service and Culture: Ranked as the #2 Best Company to Work For® in the U.S. by Fortune and Great Place to Work®, Synchrony's commitment to excellence in service and corporate culture further strengthens its brand reputation.
PRnewswire
2.0
03-18PRnewswire
Study Reveals Significant Gap in Home Maintenance Costs
  • Cost Expectation Gap: Synchrony's 'Lifetime of Home Care' study reveals homeowners expect to spend $70,000 on maintenance, yet actual costs exceed $339,000, potentially reaching $418,000 with emergency repairs, creating significant financial anxiety for most homeowners.
  • Prevalence of Emergency Repairs: The study indicates that 75% of homeowners have faced emergency repairs, with 40% of those incidents costing over $3,000, while 70% lack sufficient repair reserves, highlighting the critical need for flexible financing solutions.
  • Low Financing Utilization: Despite 75% of consumers being aware of contractor financing, only 33% have utilized it, often relying on out-of-pocket payments during critical times, which exacerbates financial stress.
  • Flexible Financing Solutions: Synchrony's Synchrony Project Card enables homeowners to manage costs for routine maintenance and urgent repairs, offering promotional financing options from 6 to 132 months, helping to prevent higher long-term costs due to deferred work.
Newsfilter
2.0
03-18Newsfilter
Homeowners Face Surprising Lifetime Maintenance Costs
  • Cost Discrepancy: Homeowners estimate lifetime maintenance costs at approximately $70,000, yet actual expenses exceed $339,000, averaging over $7,000 annually, indicating a severe underestimation that could lead to increased financial strain.
  • Economic Pressure Impact: Nearly 48% of homeowners have delayed or canceled repair projects due to economic pressures, which not only raises future repair costs but also poses safety risks to homes, reflecting the profound impact of the current economic environment on household finances.
  • Emergency Repair Preparedness: While 75% of homeowners have faced emergency repairs, with 40% of those incidents costing over $3,000, 70% lack sufficient repair reserves, highlighting inadequate financial preparedness for unexpected events and increasing the need for flexible financing solutions.
  • Importance of Financing Solutions: Synchrony's Project Card assists homeowners in managing routine maintenance and urgent repair costs, allowing them to avoid financial strain from emergency repairs through flexible financing options, thereby promoting timely maintenance and repairs.
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
Truist
Hold
downgrade
$84 -> $71
AI Analysis
2026-03-23
Reason
Truist
Price Target
$84 -> $71
AI Analysis
2026-03-23
downgrade
Hold
Reason
Truist lowered the firm's price target on Synchrony to $71 from $84 and keeps a Hold rating on the shares as part of a broader research note on Financials. The firm is updating its models to incorporate the higher cost of equity and thus lower-than-historical multiples that the market is ascribing, the analyst tells investors in a research note.
BofA
Mihir Bhatia
Buy
downgrade
$96 -> $90
2026-03-09
Reason
BofA
Mihir Bhatia
Price Target
$96 -> $90
2026-03-09
downgrade
Buy
Reason
BofA analyst Mihir Bhatia lowered the firm's price target on Synchrony to $90 from $96 and keeps a Buy rating on the shares. The firm is adjusting price targets for several consumer finance stocks to reflect a more uncertain macro outlook and lower market multiples.
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 9.28, compared to its 5-year average forward P/E of 7.29. 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
7.29
Current PE
9.28
Overvalued PE
8.44
Undervalued PE
6.14

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
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

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
1.53
Current PS
1.98
Overvalued PS
2.03
Undervalued PS
1.03

Financials

AI Analysis
Annual
Quarterly

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Whales Holding SYF

P
Pacific Investment Management Company LLC
Holding
SYF
+22.62%
3M Return
W
WEDGE Capital Management LLP
Holding
SYF
+0.71%
3M Return
T
Turtle Creek Asset Management Inc.
Holding
SYF
-2.17%
3M Return
C
Cambria Investment Management, L.P.
Holding
SYF
-2.36%
3M Return
R
Royal Bank of Canada Trust Company (Bahamas) Limited
Holding
SYF
-2.69%
3M Return
C
C.S. McKee, L.P.
Holding
SYF
-3.74%
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 66.01 USD — it has increased 0.99

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 March 31 2026.

What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 22.94B USD.