Synchrony Financial (SYF)

$73.37 +1.11 (1.54%)
Market Cap 25.50B
Revenue (ttm) 23.12B
Net Income (ttm) 3.55B
EPS (ttm) N/A
PE Ratio 7.66
Forward PE 7.78
Profit Margin 15.36%
Debt to Equity Ratio 0.91
Volume 3,678,000
Avg Vol 4,410,450
Day's Range N/A - N/A
Shares Out 347.60M
Stochastic %K 62%
Beta 1.43
Analysts Strong Sell
Price Target $88.58

Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money mar...

Industry: Credit Services
Sector: Financial Services
Phone: 203 585 2400
Address:
777 Long Ridge Road, Stamford, United States
_TP888
_TP888 Feb. 23 at 3:29 PM
$SYF | $62.50 | Put | Premium: $110K Ask-heavy - aggressive put buyers.
0 · Reply
IN0V8
IN0V8 Feb. 20 at 9:35 PM
$SYF Buy HSBC raises target price to $88 from $83
0 · Reply
PortfolioOverture
PortfolioOverture Feb. 20 at 2:13 PM
$SYF Synchrony Financial provides consumer credit services. Earnings depend on credit performance and funding costs. Economic cycles drive volatility.
0 · Reply
RunnerSignals
RunnerSignals Feb. 17 at 8:27 PM
Selective Upgrade Strength $ABNB $VRTX $UPWK $TMC $SYF 15–80% upside implied. volume mostly in line. relative strength improving vs sector peers. pullbacks likely buyable if flows persist https://stocksrunner.com/news/2026-02-17-top-stock-upgrades-today-in-the-buzz-spotlight
0 · Reply
EmproX
EmproX Feb. 17 at 6:15 PM
$GILD $IBM $SYF $FAST ’!’
1 · Reply
EmproX
EmproX Feb. 17 at 3:16 PM
$SYF $BHP $WDC $RELX ~||{}
0 · Reply
ZacksResearch
ZacksResearch Feb. 14 at 6:00 AM
$COF vs. $SYF — Which credit card lender has the real upside? 👀 Capital One’s bold acquisitions and rising NII are flexing serious momentum, while Synchrony Financial sticks to its niche strategy. One is scaling aggressively, the other is playing it focused and disciplined. So where’s the better risk/reward right now? Full breakdown here 👉 https://www.zacks.com/stock/news/2863219/cof-vs-syf-which-credit-card-lender-offers-more-upside?cid=sm-stocktwits-2-2863219-teaser-33394&ADID=SYND_STOCKTWITS_TWEET_2_2863219_TEASER_33394
0 · Reply
ZacksResearch
ZacksResearch Feb. 13 at 6:00 AM
$COF vs. $SYF: Which Consumer Finance Giant Stands Tall? 💳 Capital One shines with its digital-first model and strategic acquisitions, like the $35.3B Discover deal, enhancing its market position and payment network capabilities. Meanwhile, Synchrony Financial leverages strong partnerships and niche focus for resilience, despite expected elevated expenses. Discover the growth potential of these credit titans here 👉 https://www.zacks.com/stock/news/2863219/cof-vs-syf-which-credit-card-lender-offers-more-upside?cid=sm-stocktwits-2-2863219-body-33395&ADID=SYND_STOCKTWITS_TWEET_2_2863219_BODY_33395
0 · Reply
SmartSigma
SmartSigma Feb. 4 at 11:07 AM
$SYF is a cyclical consumer finance player leveraged to card loans; credit normalization and funding costs are headwinds.
0 · Reply
SuperGreenToday
SuperGreenToday Feb. 3 at 10:29 AM
$SYF Share Price: $73.50 Contract Selected: Sep 18, 2026 $70 Calls Buy Zone: $7.50 – $9.26 Target Zone: $11.92 – $14.57 Potential Upside: 50% ROI Time to Expiration: 226 Days | Updates via https://fxcapta.com/stockinfo/
0 · Reply
Latest News on SYF
Weave Announces Strategic CareCredit Integration Partnership with Patient Financing Leader Synchrony®

Feb 19, 2026, 8:00 AM EST - 4 days ago

Weave Announces Strategic CareCredit Integration Partnership with Patient Financing Leader Synchrony®

WEAV

Synchrony and Planet DDS Expand Strategic Partnership to Integrate CareCredit Across Leading Dental Practice Management Platforms

Feb 18, 2026, 9:00 AM EST - 5 days ago

Synchrony and Planet DDS Expand Strategic Partnership to Integrate CareCredit Across Leading Dental Practice Management Platforms

Drivers Underestimate the Annual Cost of Car Ownership by More Than $4,500, New Synchrony Survey Finds

Feb 17, 2026, 9:00 AM EST - 6 days ago

Drivers Underestimate the Annual Cost of Car Ownership by More Than $4,500, New Synchrony Survey Finds

Synchrony Financial (SYF) Presents at UBS Financial Services Conference 2026 Transcript

Feb 10, 2026, 10:54 PM EST - 12 days ago

Synchrony Financial (SYF) Presents at UBS Financial Services Conference 2026 Transcript

Synchrony to Participate in the 2026 UBS Financial Services Conference

Feb 3, 2026, 8:00 AM EST - 20 days ago

Synchrony to Participate in the 2026 UBS Financial Services Conference

Synchrony Financial Analysts Slash Their Forecasts Following Q4 Earnings

Jan 28, 2026, 11:56 AM EST - 26 days ago

Synchrony Financial Analysts Slash Their Forecasts Following Q4 Earnings

Synchrony Financial: Growth At A Cost

Jan 28, 2026, 6:58 AM EST - 26 days ago

Synchrony Financial: Growth At A Cost

Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript

Jan 27, 2026, 2:32 PM EST - 26 days ago

Synchrony Financial (SYF) Q4 2025 Earnings Call Transcript

Synchrony Says BNPL Lifts Sales Without Hurting Cards

Jan 27, 2026, 11:49 AM EST - 27 days ago

Synchrony Says BNPL Lifts Sales Without Hurting Cards

Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share

Jan 27, 2026, 6:00 AM EST - 27 days ago

Synchrony Reports Fourth Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share

These stocks were the biggest losers on the S&P 500's worst day in three months

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I Am Pounding The Table, I Demand Income

Jan 17, 2026, 10:30 AM EST - 5 weeks ago

I Am Pounding The Table, I Demand Income

DFP

Synchrony Financial: The Dip Made Valuation Synchronized With Fundamentals

Jan 14, 2026, 7:09 AM EST - 5 weeks ago

Synchrony Financial: The Dip Made Valuation Synchronized With Fundamentals

Synchrony Financial: Trump's Credit Card Proposal Creates An Opportunity

Jan 12, 2026, 2:34 PM EST - 5 weeks ago

Synchrony Financial: Trump's Credit Card Proposal Creates An Opportunity

Fiserv and Synchrony Enable Healthcare Providers to Offer Patient Financing Solution

Jan 12, 2026, 1:20 PM EST - 5 weeks ago

Fiserv and Synchrony Enable Healthcare Providers to Offer Patient Financing Solution

FISV

Synchrony Accelerates Growth by Expanding CareCredit® Financing to Health and Wellness Providers via Exclusive Clover App Market Integration

Jan 12, 2026, 9:00 AM EST - 6 weeks ago

Synchrony Accelerates Growth by Expanding CareCredit® Financing to Health and Wellness Providers via Exclusive Clover App Market Integration

FISV

Synchrony to Announce Fourth Quarter 2025 Financial Results on January 27, 2026

Jan 6, 2026, 8:00 AM EST - 6 weeks ago

Synchrony to Announce Fourth Quarter 2025 Financial Results on January 27, 2026

CareCredit Remains Exclusive Financing Solution for AmSpa Members as Synchrony and the American Med Spa Association Extend Partnership

Dec 17, 2025, 9:00 AM EST - 2 months ago

CareCredit Remains Exclusive Financing Solution for AmSpa Members as Synchrony and the American Med Spa Association Extend Partnership

Synchrony Financial (SYF) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Dec 9, 2025, 11:07 AM EST - 2 months ago

Synchrony Financial (SYF) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Synchrony and METUS Renew Relationship to Offer Customers Flexible HVAC Financing for Greater Comfort

Dec 4, 2025, 9:00 AM EST - 2 months ago

Synchrony and METUS Renew Relationship to Offer Customers Flexible HVAC Financing for Greater Comfort

Synchrony to Participate in the 2025 Goldman Sachs Financial Services Conference

Dec 2, 2025, 8:00 AM EST - 2 months ago

Synchrony to Participate in the 2025 Goldman Sachs Financial Services Conference

Synchrony and The Toro Company Launch New Credit Card for Financing Lawn Equipment

Nov 20, 2025, 9:00 AM EST - 3 months ago

Synchrony and The Toro Company Launch New Credit Card for Financing Lawn Equipment

Synchrony Financial: Credit Continues To Defy Fears (Rating Upgrade)

Nov 15, 2025, 10:52 AM EST - 3 months ago

Synchrony Financial: Credit Continues To Defy Fears (Rating Upgrade)

Synchrony Financial (SYF) Presents at KBW Fintech Payments Conference 2025 Transcript

Nov 12, 2025, 3:31 PM EST - 3 months ago

Synchrony Financial (SYF) Presents at KBW Fintech Payments Conference 2025 Transcript

Synchrony to Participate in the 2025 KBW Fintech Payments Conference

Nov 5, 2025, 8:00 AM EST - 3 months ago

Synchrony to Participate in the 2025 KBW Fintech Payments Conference

Synchrony Announces Quarterly Common Stock Dividend of $0.30 Per Share

Oct 23, 2025, 4:05 PM EDT - 4 months ago

Synchrony Announces Quarterly Common Stock Dividend of $0.30 Per Share

These Analysts Increase Their Forecasts On Synchrony Financial After Upbeat Q3 Earnings

Oct 16, 2025, 12:39 PM EDT - 4 months ago

These Analysts Increase Their Forecasts On Synchrony Financial After Upbeat Q3 Earnings

Synchrony Financial: Upgrading The Customer Base Pays Off

Oct 16, 2025, 7:50 AM EDT - 4 months ago

Synchrony Financial: Upgrading The Customer Base Pays Off

Synchrony Financial (SYF) Q3 2025 Earnings Call Transcript

Oct 15, 2025, 6:26 PM EDT - 4 months ago

Synchrony Financial (SYF) Q3 2025 Earnings Call Transcript

Synchrony's Q3 Shows Strength, Not Strain, as Consumers Hold the Line

Oct 15, 2025, 11:45 AM EDT - 4 months ago

Synchrony's Q3 Shows Strength, Not Strain, as Consumers Hold the Line

Bank On Big Dividends For Your Retirement; Yields +7%

Oct 15, 2025, 7:35 AM EDT - 4 months ago

Bank On Big Dividends For Your Retirement; Yields +7%

BTO

Synchrony Financial Posts Higher Profit, Revenue

Oct 15, 2025, 6:49 AM EDT - 4 months ago

Synchrony Financial Posts Higher Profit, Revenue

Synchrony Reports Third Quarter 2025 Results; Company also Announces Approval of $1 Billion Increase in Share Repurchase Authority

Oct 15, 2025, 6:00 AM EDT - 4 months ago

Synchrony Reports Third Quarter 2025 Results; Company also Announces Approval of $1 Billion Increase in Share Repurchase Authority

OPEIU and CWA Call on Synchrony Financial To Disclose Material Relationships Compromising Director Independence

Oct 14, 2025, 3:08 PM EDT - 4 months ago

OPEIU and CWA Call on Synchrony Financial To Disclose Material Relationships Compromising Director Independence

Synchrony and Pumpkin Pet Insurance Partner to Deliver Simple Reimbursements for Pet Owners Through CareCredit

Oct 14, 2025, 9:00 AM EDT - 4 months ago

Synchrony and Pumpkin Pet Insurance Partner to Deliver Simple Reimbursements for Pet Owners Through CareCredit

Synchrony Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

Oct 13, 2025, 1:36 PM EDT - 4 months ago

Synchrony Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

Synchrony Financial: Even After The Recent Gain, I Still See Value In This Stock

Oct 3, 2025, 5:10 AM EDT - 5 months ago

Synchrony Financial: Even After The Recent Gain, I Still See Value In This Stock

PSG Completes Sale of Versatile Credit to Synchrony

Oct 1, 2025, 5:00 PM EDT - 5 months ago

PSG Completes Sale of Versatile Credit to Synchrony

Versatile Credit Bringing Leading Credit Access Platform to Synchrony

Oct 1, 2025, 4:45 PM EDT - 5 months ago

Versatile Credit Bringing Leading Credit Access Platform to Synchrony

mClub® Selects Synchrony's CareCredit® as Exclusive Financing Partner, Bolstering Independent Veterinary Practices with Comprehensive Pet Care Solutions

Oct 1, 2025, 9:00 AM EDT - 5 months ago

mClub® Selects Synchrony's CareCredit® as Exclusive Financing Partner, Bolstering Independent Veterinary Practices with Comprehensive Pet Care Solutions

Synchrony Names Deborah Ellinger to Board of Directors

Sep 29, 2025, 4:05 PM EDT - 5 months ago

Synchrony Names Deborah Ellinger to Board of Directors

New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly

Sep 23, 2025, 9:00 AM EDT - 5 months ago

New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly

SNCY

These 15 stocks have beaten the S&P 500 this year — while getting cheaper in the process

Sep 22, 2025, 10:19 AM EDT - 5 months ago

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Synchrony and University of Illinois Urbana-Champaign Celebrate Major Expansion as Emerging Technology Center Surpasses 400 Internships, Empowering the Next Generation of Innovators

Sep 18, 2025, 9:00 AM EDT - 5 months ago

Synchrony and University of Illinois Urbana-Champaign Celebrate Major Expansion as Emerging Technology Center Surpasses 400 Internships, Empowering the Next Generation of Innovators

Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care

Sep 17, 2025, 9:00 AM EDT - 5 months ago

Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care

Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025

Sep 17, 2025, 8:00 AM EDT - 5 months ago

Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025

SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE

Sep 17, 2025, 5:00 AM EDT - 5 months ago

SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE

Synchrony Financial (SYF) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Sep 10, 2025, 11:09 AM EDT - 5 months ago

Synchrony Financial (SYF) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Synchrony to Participate in the Barclays Global Financial Services Conference

Sep 3, 2025, 8:00 AM EDT - 6 months ago

Synchrony to Participate in the Barclays Global Financial Services Conference

Final Trades: KKR & Co, Schlumberger, Synchrony Financial and CrowdStrike

Aug 28, 2025, 1:28 PM EDT - 6 months ago

Final Trades: KKR & Co, Schlumberger, Synchrony Financial and CrowdStrike

CRWD KKR SLB

_TP888
_TP888 Feb. 23 at 3:29 PM
$SYF | $62.50 | Put | Premium: $110K Ask-heavy - aggressive put buyers.
0 · Reply
IN0V8
IN0V8 Feb. 20 at 9:35 PM
$SYF Buy HSBC raises target price to $88 from $83
0 · Reply
PortfolioOverture
PortfolioOverture Feb. 20 at 2:13 PM
$SYF Synchrony Financial provides consumer credit services. Earnings depend on credit performance and funding costs. Economic cycles drive volatility.
0 · Reply
RunnerSignals
RunnerSignals Feb. 17 at 8:27 PM
Selective Upgrade Strength $ABNB $VRTX $UPWK $TMC $SYF 15–80% upside implied. volume mostly in line. relative strength improving vs sector peers. pullbacks likely buyable if flows persist https://stocksrunner.com/news/2026-02-17-top-stock-upgrades-today-in-the-buzz-spotlight
0 · Reply
EmproX
EmproX Feb. 17 at 6:15 PM
$GILD $IBM $SYF $FAST ’!’
1 · Reply
EmproX
EmproX Feb. 17 at 3:16 PM
$SYF $BHP $WDC $RELX ~||{}
0 · Reply
ZacksResearch
ZacksResearch Feb. 14 at 6:00 AM
$COF vs. $SYF — Which credit card lender has the real upside? 👀 Capital One’s bold acquisitions and rising NII are flexing serious momentum, while Synchrony Financial sticks to its niche strategy. One is scaling aggressively, the other is playing it focused and disciplined. So where’s the better risk/reward right now? Full breakdown here 👉 https://www.zacks.com/stock/news/2863219/cof-vs-syf-which-credit-card-lender-offers-more-upside?cid=sm-stocktwits-2-2863219-teaser-33394&ADID=SYND_STOCKTWITS_TWEET_2_2863219_TEASER_33394
0 · Reply
ZacksResearch
ZacksResearch Feb. 13 at 6:00 AM
$COF vs. $SYF: Which Consumer Finance Giant Stands Tall? 💳 Capital One shines with its digital-first model and strategic acquisitions, like the $35.3B Discover deal, enhancing its market position and payment network capabilities. Meanwhile, Synchrony Financial leverages strong partnerships and niche focus for resilience, despite expected elevated expenses. Discover the growth potential of these credit titans here 👉 https://www.zacks.com/stock/news/2863219/cof-vs-syf-which-credit-card-lender-offers-more-upside?cid=sm-stocktwits-2-2863219-body-33395&ADID=SYND_STOCKTWITS_TWEET_2_2863219_BODY_33395
0 · Reply
SmartSigma
SmartSigma Feb. 4 at 11:07 AM
$SYF is a cyclical consumer finance player leveraged to card loans; credit normalization and funding costs are headwinds.
0 · Reply
SuperGreenToday
SuperGreenToday Feb. 3 at 10:29 AM
$SYF Share Price: $73.50 Contract Selected: Sep 18, 2026 $70 Calls Buy Zone: $7.50 – $9.26 Target Zone: $11.92 – $14.57 Potential Upside: 50% ROI Time to Expiration: 226 Days | Updates via https://fxcapta.com/stockinfo/
0 · Reply
anachartanalyst
anachartanalyst Jan. 28 at 10:01 AM
$SYF https://anachart.com/wp-content/uploads/ana_temp/1769594477_soc-img.jpg
0 · Reply
sluggowski
sluggowski Jan. 27 at 8:38 PM
$SYF ho lee fuk... the stock is on fire. as in adumpster fire
0 · Reply
ZacksResearch
ZacksResearch Jan. 27 at 6:08 PM
$SYF just delivered an earnings beat — efficiency is paying off 💥📈 Q4 EPS came in at $2.18, beating estimates as operating efficiency improved, purchase volume increased, and credit loss provisions declined, even with softer loan receivables. See what drove the upside surprise 👉 https://www.zacks.com/stock/news/2823740/synchrony-q4-earnings-beat-estimates-on-improved-efficiency?cid=sm-stocktwits-2-2823740-teaser-30523&ADID=SYND_STOCKTWITS_TWEET_2_2823740_TEASER_30523
0 · Reply
ZacksResearch
ZacksResearch Jan. 27 at 5:08 PM
$SYF beats Q4 earnings estimates by 8.1%! 🚀 Despite a miss in net interest income, the company saw purchase volume increase by 3.2% and improved net interest margins. Reduced provision for credit losses also added to the upside, though challenges in loan receivables linger. Full earnings breakdown here 👉 https://www.zacks.com/stock/news/2823740/synchrony-q4-earnings-beat-estimates-on-improved-efficiency?cid=sm-stocktwits-2-2823740-body-30487&ADID=SYND_STOCKTWITS_TWEET_2_2823740_BODY_30487
0 · Reply
Rags2Witches
Rags2Witches Jan. 27 at 3:37 PM
$SYF options are such an interesting thing.. I don't think I've ever traded options with such low IV.. Im guessing near 70 by end of day based on volume so far..
0 · Reply
Rags2Witches
Rags2Witches Jan. 27 at 2:12 PM
$SYF Included in the guide...
0 · Reply
OpenOutcrier
OpenOutcrier Jan. 27 at 1:44 PM
$SYF (-2.3% pre) Synchrony Financial stock dips after Q4 EPS, revenue misses; guidance underwhelms https://ooc.bz/l/90870
0 · Reply
mikesterz7
mikesterz7 Jan. 27 at 1:22 PM
$SYF The company also announced that its Board of Directors (the "Board") declared a quarterly cash dividend of $0.30 per share of common stock, payable on February 17, 2026, to holders of record at the close of business on February 6, 2026.
0 · Reply
Rags2Witches
Rags2Witches Jan. 27 at 1:20 PM
$SYF HODL! My precious bag holders.. I NEED TO EXIT!!
0 · Reply
AStrokeOfLuck
AStrokeOfLuck Jan. 27 at 1:06 PM
$SYF
0 · Reply
DJ_Salad
DJ_Salad Jan. 27 at 1:00 PM
$SYF
0 · Reply
StocktwitsEarnings
StocktwitsEarnings Jan. 27 at 12:57 PM
$SYF Q4 '25 Earnings Results & Recap Synchrony Financial reported Q4 2025 net earnings of $751 million ($2.04 per diluted share), with purchase volume increasing 3% to $49.5 billion and loan receivables decreasing 1% to $103.8 billion. Net interest margin increased 82 basis points.
0 · Reply