Synchrony Financial SYF

$73.32 -1.77 (-2.36%)

Valuation

Market cap
24,113,244,000
Revenue TTM
$23,121,000,000
Net income TTM
$3,552,000,000
PE ratio
7.55
Forward PE
7.72
Profit margin
15.36%
Debt to equity
0.97

Trading

Volume
1,579,527
Avg volume
3,223,544
Day's range
$73.39 – $74.37
Shares out
325,371,000
Stochastic %K
85%
Beta
1.35
Analysts
Strong Sell
Price target
$87.08

Price

Company profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 produc...

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Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Industry
Credit Services
Sector
Financial Services
Phone
203 585 2400
Website
https://www.synchrony.com
Address
777 Long Ridge Road, Stamford, United States

Latest news

Stocktwits

KryptonResearch14 Oct 20, 5:10 PM
$SYF Q3 EPS came in at 2.68 dollars vs 2.48 consensus, an 8% beat, but still down from 2.86 a year ago. Credit did the work. Net charge-offs were 4.8% vs about 5% expected and 5.16% a year ago, and purchase volume hit 49.71 billion dollars, ahead of the 49.21 billion estimate. NIM held at 15.5%, right on the peg. Efficiency ran the other way though, 35.9% vs 34.8% expected, so costs ate part of the credit improvement.
0 replies
EarningsInsider Oct 20, 1:16 PM
https://www.marketbeat.com/earnings/reports/2026-10-20-synchrony-financial-stock/ $SYF Synchrony Financial Earnings Transcript
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filecrux Oct 20, 10:31 AM
$SYF Synchrony, the store and co-brand credit card lender: Q3 net earnings fell 17% to $892M, driven by a $30M loan-loss reserve build vs a $152M release a year ago and 10% higher other expense. Market value ~$24.16B at $74.24 (16:00 ET Oct 19, 2026). Offset: net charge-offs 4.79% vs 5.16%; buybacks cut diluted shares 12.8%, so EPS fell only 6% ($2.68 vs $2.86) against net earnings' 17%; buybacks cost CET1 3.8 pts (12.9% vs 14.3%). Next: the ~$9.50 FY26 EPS outlook, against $7.52 through September, implies about $1.98 for Q4, below $2.04 a year earlier.
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StocktwitsEarnings Oct 20, 10:11 AM
$SYF Q3 '26 Earnings Results & Recap • Reported GAAP EPS of $2.68 down -6.29% YoY • Reported revenue of $3.82B down -0.13% YoY
1 replies
Estimize Oct 20, 10:00 AM
$SYF reported - EPS and - revenue for Q3. http://www.estimize.com/intro/syf?chart=historical&metric_name=eps&utm_content=SYF&utm_medium=act
0 replies
KryptonResearch14 Oct 19, 6:37 AM
$SYF — Reports Q3 before the open Tuesday. Zacks consensus is 2.48 dollars in EPS, down 13.3% from a year ago, even with purchase volume expected up about 7%. Charge-offs are actually expected to improve a bit, 5.01% vs 5.16% a year ago. The squeeze is margin and costs: net interest margin pegged at 15.50% vs 15.62%, and retailer share arrangements up nearly 10%. It has beaten or met consensus in each of the last four quarters, average surprise 15.5%.
0 replies
Techdamentals Oct 14, 2:57 AM
$SYF Store-branded cards sit at the sharp end of a rate cycle. The balances reprice almost immediately after a Fed move, and the borrowers tend to be more rate-sensitive than a prime card customer, meaning a higher payment is more likely to become a missed one. So revenue up and credit cost up are the same event here, arriving a few quarters apart. Citigroup's card profit fell 8% this quarter, which it attributed partly to higher rewards costs and partly to more money set aside against card loans. Full explainer, plain English: https://www.youtube.com/watch?v=hlan3N9D9mU Educational, not advice.
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Techdamentals Oct 13, 4:12 AM
$SYF Store-branded cards sit at the sharp end of a rate cycle. The balances reprice almost immediately and the borrowers tend to be more rate-sensitive than a prime card customer. Revenue up and credit cost up are the same event here, arriving a few quarters apart. https://techdamentals.com/newsletter/why-bank-stocks-fall-when-rates-rise?ref=st
0 replies