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Synchrony Financial(NYSE) SYF

Market Cap$25.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2014)+328%
5 Year+84%
1 Year+17%
1 Month+2%
$79.02
+1.52%
+1.18Today
Synchrony Financial last closing stock price
MetricPriceDate
Last closeUSD 77.842026-08-03
Synchrony Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.36%USD 75.312026-07-27
1 month+1.98%USD 76.332026-07-02
3 month+5.5%USD 73.782026-05-05
Year to date-5.94%USD 82.762025-12-31
1 year+17.19%USD 66.422025-08-01
3 year+139.77%USD 32.462023-08-04
5 year+83.63%USD 42.392021-08-04
Since inception+327.58%USD 18.202014-08-01

Synchrony Financial Financials at a Glance

Market Cap

$25.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$19.90B

Net Income (TTM)

$3.52B

EPS (TTM)

$9.75

P/E Ratio

7.98

Dividend

$1.20

Beta (Volatility)

1.36 (Average)

Price

$79.02

Volume

696,696.916

Open

$78.00

Previous Close

$77.84

Daily Range

$77.55 - $78.86

52-Week Range

$63.08 - $88.77

Estimated Earnings Date

Oct 21, 2026

SYF News

23_02_20 Hands holding blocks spelling risk and reward _MF Dload

Synchrony's Credit Numbers Are Improving Even as Inflation Bites. Is the Everyday Consumer Tougher Than Feared?

Reuben Gregg BrewerJul 3, 2026
mqdefault (63)

Unlocking the Potential of Synchrony Financial: A Deep Dive Into SYF Stock

Motley Fool YouTubeJan 15, 2026
featured-earnings-leadership-highlights.png

Synchrony Financial Q2 Earnings Rise

Motley Fool Markets TeamJul 24, 2025
Person looking at phone, happy.

Why Synchrony's Stock Price Soared 21.1% in July

Dave KovaleskiAug 2, 2022
buy-now-pay-later

Better Buy: Synchrony Financial vs. Affirm Holdings

James BrumleyApr 22, 2022
GettyImages-1170740969

Why Synchrony Financial Fell 18.6% in March

Dave KovaleskiApr 4, 2022
GettyImages-1162785920

Synchrony Financial Launches $2.9 Billion Share Buyback Program; Will Maintain Dividend

Eric VolkmanMay 25, 2021
GettyImages-1168287326

Here's the Next Stock I'm Going to Buy

Dave KovaleskiApr 1, 2021
Page 1

SYF: Motley Fool Moneyball Superscore

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About Synchrony Financial

Synchrony helps people pay for things they need through specialized credit cards and loans. It works with many stores and doctors to offer financing at the point of sale. The company also lets people grow their savings through secure online bank accounts.

Credit Products and Banking Services

  • Digital Platform: Mobile and online financing solutions for partners like Amazon and PayPal; generated 30% of interest and fees on loans in 2025.
  • Home and Auto: Credit for home improvement and car repairs through partners like Lowe's; contributed 26% of interest and fees on loans in 2025.
  • Diversified and Value: Retail financing for everyday shopping at stores like Sam's Club and TJX; accounted for 22% of interest and fees on loans in 2025.
  • Health and Wellness: Financing for medical, dental, and pet care through CareCredit; provided 17% of interest and fees on loans in 2025.
  • Consumer Banking: Online deposit products including savings accounts and certificates of deposit; represents 84% of the company's total funding.

New Deals and Smart Moves

  • Acquired Versatile Credit in October 2025 to connect more merchants and lenders through point-of-sale technology.
  • Launched a new exclusive partnership with OnePay in September 2025 to issue credit cards for Walmart.
  • Renewed a long-term agreement with Amazon in 2025 and expanded a commercial credit program with Lowe's.
  • Sold the Pets Best insurance business in 2024 while maintaining an equity interest in the buyer, Independence Pet Holdings.

What Makes Synchrony Different

The company uses a proprietary tool called PRISM to analyze data from 70 million customers for better credit decisions. It avoids the cost of physical bank branches by using a highly scalable digital platform to collect billions in deposits.

Financial Performance at a Glance

  • Net income reached $3.5 billion in 2025, an increase of 1.5% from the previous year.
  • Gross profit rose to $2.4 billion in Q4 2025, up 5% from Q4 2024.
  • Total deposits stood at $81.1 billion at the end of 2025, funding the majority of credit activities.
  • Net charge-offs, which are loans unlikely to be repaid, decreased to 5.65% in 2025 from 6.31% in 2024.
  • The company returned $2.9 billion to stockholders through share repurchases during 2025.

Bottom Line

Synchrony has transitioned from a traditional retail lender into a digital-first financial ecosystem. By diversifying into healthcare and digital marketplaces, it maintains a stable funding base through its massive online banking operations.

AI Generated • Apr 19, 2026

Industry

Consumer Finance

Sector

Financials

Employees

20,000

CEO

Brian D. Doubles

Website

www.synchrony.com

Headquarters

Stamford, CT 06902, US

SYF Financials

Key Financial Metrics (TTM)

Gross Margin

68.30%

Operating Margin

23.57%

Net Income Margin

17.68%

Return on Equity

20.94%

Return on Capital

14.46%

Return on Assets

2.89%

Earnings Yield

12.53%

Dividend Yield

1.54%

Payout Ratio

14.30%

Stock Overview

Market Cap

$25.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

325.37M

Volume

696.70K

Avg. Volume

3.86M

Financials (TTM)

Gross Profit

$13.59B

Operating Income

$4.69B

EBITDA

$5.10B

Operating Cash Flow

$9.69B

Capital Expenditure

$0.00

Free Cash Flow

$9.69B

Cash & ST Invst.

$16.19B

Total Debt

$16.43B

Synchrony Financial Performance Analysis

Synchrony Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 13,195,000,00017.6%
20232023-12-31USD 17,338,000,00031.4%
20242024-12-31USD 20,759,000,00019.7%
20252025-12-31USD 19,116,000,000-7.9%
Synchrony Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.6%
Q42025-12-31-1.4%
Q12026-03-3117.6%
Q22026-06-30-16.2%
Synchrony Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 6.15-16.2%
20232023-12-31USD 5.19-15.7%
20242024-12-31USD 8.5565.0%
20252025-12-31USD 9.288.5%
Synchrony Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3014.4%
Q42025-12-31-28.7%
Q12026-03-3111.3%
Q22026-06-3014.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$4.69B

-0.4%

Gross Profit

$3.93B

+57.0%

Gross Margin

83.66%

N/A

Market Cap

$25.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.27M

N/A

Employees

20,000

N/A

Net Income

$885.00M

-8.5%

EBITDA

$1.39B

+1.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$16.19B

-27.6%

Total Debt

$16.43B

+2.6%

Accounts Receivable

$91.90B

N/A

Inventory

$0.00

N/A

Long Term Debt

$12.08B

-24.5%

Short Term Debt

$4.35B

N/A

Return on Assets

2.89%

N/A

Return on Invested Capital

3.99%

N/A

Free Cash Flow

$2.42B

-5.5%

Operating Cash Flow

$2.42B

-5.5%

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Questions About SYF

What is the current price of Synchrony Financial?

Synchrony Financial is trading at $78.78 per share.

What is the 52-week range for Synchrony Financial?

Over the past 52 weeks, Synchrony Financial has traded between $63.08 and $88.77.

How much debt does Synchrony Financial have?

As of the most recent reporting period, Synchrony Financial reported total debt of $16.43B.

How much cash does Synchrony Financial have on hand?

Synchrony Financial reported $16.19B in cash and cash equivalents in its most recent financial results.

What is Synchrony Financial’s dividend yield?

Synchrony Financial currently has a dividend yield of 1.54%.

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