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SYF US​

Synchrony Financial(SYF US)

$73.64-1.451.93%Ext:$77.87+4.235.74%(Market Closed · 00:00:02 UTC)

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

Synchrony Financial — Company Profile

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Sector
Financial Services
Industry
Financial - Credit Services
Exchange
UN
CEO
Brian D. Doubles
Headquarters
Stamford, CT, US
IPO Date
Jul 31, 2014
Employees
20,000
Website
www.synchrony.com

Key Metrics

Price
$71.77
Market Cap
$23.35B
Revenue (TTM)
$5.60B
Net Income (TTM)
$805.00M
EPS (TTM)
2.29
P/E (TTM)
6.49
P/B (TTM)
1.42
Dividend Yield
1.63%
ROE (TTM)
4.89%
ROA (TTM)
0.66%
Operating Margin
16.31%
Beta
0.82

Dividends

Last Dividend
$0.30
Last Yield
0.02%

Summary

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Website
www.synchrony.com
Location
Stamford, CT, US
Phone203 585 2400
Employees20,000
CEOBrian D. Doubles
SectorFinancial Services
IndustryFinancial - Credit Services
IPO DateJul 31, 2014

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Latest Documents

SEC Filings(2.2K)

Expand
  • 10-QQ3ended 30 Sept 202622 Oct
  • 8-KRegulation FD Disclosure20 Oct
  • 8-KResults of Operations and Financial Condition20 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 4Statement of changes in beneficial ownership2 Oct
  • 8-KRegulation FD Disclosure11 Sep
  • 4Statement of changes in beneficial ownership19 Aug
  • 4Statement of changes in beneficial ownership19 Aug
  • 4Statement of changes in beneficial ownership19 Aug
  • 4Statement of changes in beneficial ownership19 Aug
  • 4Statement of changes in beneficial ownership19 Aug

News

  • Why Synchrony (SYF) is a Top Value Stock for the Long-Term23 Oct
  • Synchrony (SYF) Upgraded to Buy: What Does It Mean for the Stock?22 Oct
  • SYF or FUTU: Which Is the Better Value Stock Right Now?22 Oct
  • Should Value Investors Buy Synchrony Financial (SYF) Stock?22 Oct
  • Synchrony Aces The Quarter As Credit Fears Fade21 Oct
  • These Analysts Revise Their Forecasts On Synchrony Financial After Q3 Results21 Oct
  • CareCredit Introduces CareCredit Pay Later, Offering Consumers Another Way to Plan and Pay for Health and Wellness Care21 Oct
  • Synchrony: 3 Key Takeaways for Long-Term Investors20 Oct
  • Synchrony Financial (SYF) Q3 2026 Earnings Call Highlights: Record Purchase Volume and Strong Credit Drive $2.68 EPS20 Oct
  • Synchrony Q3 Earnings Beat Estimates on Improved Purchase Volume20 Oct
  • Synchrony Financial (SYF) Q3 2026 Earnings Call Transcript20 Oct
  • What Synchrony Financial (SYF) Said on Its Q3 Earnings Call20 Oct
  • Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates20 Oct
  • Synchrony Financial Profit Falls on Higher Costs but Credit Trends Improve20 Oct
  • Synchrony (SYF) Q3 Earnings Top Estimates20 Oct
  • Synchrony Reports Third Quarter 2026 Results20 Oct
  • 8,395 Synchrony Financial $SYF Shares Acquired by CWA Asset Management Group LLC20 Oct
  • 10,886 Shares of Synchrony Financial $SYF Acquired by First Citizens Bank & Trust Co.17 Oct
  • Countdown to Synchrony (SYF) Q3 Earnings: A Look at Estimates Beyond Revenue and EPS15 Oct
  • Synchrony Financial Likely To Report Lower Q3 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call15 Oct

Key Stats

Trading

Px/Chg 1D$71.77 / +0.36%
Avg Volume3.90M
Beta0.82
Mkt Cap23.35B
FD Mkt Cap25.22B

Float

Shrs Out/Float325.37M / 323.68M
Short Float0.05%
Days to Cover4.76
Stock Repurchased$900.00M

Current Valuation

EV20.44B
EV/EBITDA4.02
EV/Sales1.03
P/B1.42
P/S1.17
FCF Yield9.35%
ROE4.89%
ROA0.66%
Current Ratio1.33

Dividend

Cash$0.30
Yield1.63%
Yield (TTM)1.63%

Estimates

P/E6.49
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgApr '23Apr '24Apr '25Apr '26Oct '26
PRICE-BASED RATIOS
Price / Earnings17.114.908.475.6537.4929.01
Price / Sales2.651.121.090.955.914.17
Price / Book Value1.361.151.361.191.681.42
Price / Free Cash Flow5.722.212.212.0111.4710.70
ENTERPRISE VALUE METRICS
Enterprise Value22,525.019,422.521,419.421,750.429,589.720,442.9
Enterprise Value / Sales2.721.471.241.056.213.65
Enterprise Value / EBITDA12.324.436.374.3227.1219.34
Enterprise Value / EBIT14.104.907.384.7831.0822.37

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue14.2%11,224.013,195.017,338.020,759.019,116.0
Gross Income75.7%9,466.08,299.07,662.09,392.09,756.0
EBITDA-3.4%5,893.04,381.03,362.05,034.05,135.0
EBIT-4.3%5,503.03,962.02,904.04,553.04,621.0
Net Income-4.2%4,221.03,016.02,238.03,499.03,552.0
EPS (Diluted)6.1%7.346.155.198.559.29
BALANCE SHEET
Cash & ST Inv6.2%13,620.015,173.018,058.017,790.017,321.0
Total Assets5.6%95,748.0104,564.0117,479.0119,463.0119,095.0
Total Liabilities5.7%82,093.091,691.0103,576.0102,883.0102,329.0
Total Shareholder Equity5.3%13,655.012,873.013,903.016,580.016,766.0
CASH FLOW
Net Operating Cash Flow8.5%7,099.06,694.08,593.09,848.09,851.0
Cap Ex—-----
Free Cash Flow8.5%7,099.06,694.08,593.09,848.09,851.0

Enterprise Value Bridge

Millions USD23 Oct '26
Price (As of 23 Oct '26)73.81
Basic Shares325.37
Market Cap24,015.6
Diluted Shares322.40
Fully Diluted Shares Outstanding322.40
Fully Diluted Market Cap23,796.3
+Consolidated Debt-
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-15,901.0
−Short-term Investments-
+Total Preferred1,716.0
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value9,830.6

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