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Synchrony Financial(SYF US)

$72.25+0.590.82%Ext:$73.17+0.921.27%(After Hours · 23:03:05 UTC)
Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees
Logo
  • Home
  • AI Agent
  • Annotations
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Synchrony Financial(SYF US)

$72.25+0.590.82%Ext:$73.17+0.921.27%(After Hours · 23:03:05 UTC)
Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees
SYF US​
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SYF US​
Ask AI

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)

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

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(2.2K)

Expand
  • 8-KRegulation FD Disclosure9 Nov
  • 10-QQ3ended 30 Sept 202622 Oct
  • 8-KRegulation FD Disclosure20 Oct
  • 8-KResults of Operations and Financial Condition20 Oct
  • Form 4COVIELLO ARTHUR W JR2 Oct
  • Form 4Alves Paget Leonard2 Oct
  • Form 4AGUIRRE FERNANDO2 Oct
  • Form 4COLAO DANIEL O2 Oct
  • Form 4NAYLOR JEFFREY G2 Oct
  • Form 4Zane Ellen M2 Oct
  • Form 4Richie Laurel2 Oct
  • Form 4Parker P.W.2 Oct
  • Form 4Chytil Kamila K2 Oct
  • Form 4GUTHRIE ROY A2 Oct
  • Form 4ELLINGER DEBORAH G2 Oct
  • 8-KRegulation FD Disclosure11 Sep
  • Form 4Casellas Alberto19 Aug
  • Form 4Owens Darrell19 Aug
  • Form 4Tiliakos Amy19 Aug
  • Form 4GUTHRIE ROY A19 Aug

News

  • Synchrony Financial Sees Several Paths to Double-Digit EPS Growth in 202711 Nov
  • Synchrony Financial (SYF) Presents at KBW Fintech Ecosystem Conference 2026 Transcript10 Nov
  • Trust Wins Hearts, Deals Win Carts: SYF Eyes Holiday Shopping Gains?10 Nov
  • SYF or MCO: Which Is the Better Value Stock Right Now?9 Nov
  • Are Investors Undervaluing Synchrony Financial (SYF) Right Now?9 Nov
  • Here's Why Synchrony (SYF) is a Strong Value Stock9 Nov
  • Shoppers Are Making Their Lists and Checking Their Favorite Retailers First9 Nov
  • Synchrony to Participate in the KBW Fintech Ecosystem Conference and the TD Cowen 2026 Financials & Fintech Conference3 Nov
  • Synchrony Financial $SYF Shares Sold by Aware Super Pty Ltd as trustee of Aware Super3 Nov
  • I Am Buying The Historic Discount In These Preferred Stocks; Yields 8%30 Oct
  • CareCredit and Clarus Make Checkout Simpler for Veterinary Practices with Real-Time Eligibility Insights for Insurance and Financing Options28 Oct
  • Macro Concerns Grow, But Synchrony's Earnings Remain Resilient24 Oct
  • 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

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/E0.00
Est EPS2.20
Est PEG0.00

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 USD12 Nov '26
Price (As of 12 Nov '26)71.67
Basic Shares325.37
Market Cap23,317.7
Diluted Shares322.40
Fully Diluted Shares Outstanding322.40
Fully Diluted Market Cap23,104.8
+Consolidated Debt17,025.0
−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 Value26,157.7

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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

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(2.2K)

Expand
  • 8-KRegulation FD Disclosure9 Nov
  • 10-QQ3ended 30 Sept 202622 Oct
  • 8-KRegulation FD Disclosure20 Oct
  • 8-KResults of Operations and Financial Condition20 Oct
  • Form 4COVIELLO ARTHUR W JR2 Oct
  • Form 4Alves Paget Leonard2 Oct
  • Form 4AGUIRRE FERNANDO2 Oct
  • Form 4COLAO DANIEL O2 Oct
  • Form 4NAYLOR JEFFREY G2 Oct
  • Form 4Zane Ellen M2 Oct
  • Form 4Richie Laurel2 Oct
  • Form 4Parker P.W.2 Oct
  • Form 4Chytil Kamila K2 Oct
  • Form 4GUTHRIE ROY A2 Oct
  • Form 4ELLINGER DEBORAH G2 Oct
  • 8-KRegulation FD Disclosure11 Sep
  • Form 4Casellas Alberto19 Aug
  • Form 4Owens Darrell19 Aug
  • Form 4Tiliakos Amy19 Aug
  • Form 4GUTHRIE ROY A19 Aug

News

  • Synchrony Financial Sees Several Paths to Double-Digit EPS Growth in 202711 Nov
  • Synchrony Financial (SYF) Presents at KBW Fintech Ecosystem Conference 2026 Transcript10 Nov
  • Trust Wins Hearts, Deals Win Carts: SYF Eyes Holiday Shopping Gains?10 Nov
  • SYF or MCO: Which Is the Better Value Stock Right Now?9 Nov
  • Are Investors Undervaluing Synchrony Financial (SYF) Right Now?9 Nov
  • Here's Why Synchrony (SYF) is a Strong Value Stock9 Nov
  • Shoppers Are Making Their Lists and Checking Their Favorite Retailers First9 Nov
  • Synchrony to Participate in the KBW Fintech Ecosystem Conference and the TD Cowen 2026 Financials & Fintech Conference3 Nov
  • Synchrony Financial $SYF Shares Sold by Aware Super Pty Ltd as trustee of Aware Super3 Nov
  • I Am Buying The Historic Discount In These Preferred Stocks; Yields 8%30 Oct
  • CareCredit and Clarus Make Checkout Simpler for Veterinary Practices with Real-Time Eligibility Insights for Insurance and Financing Options28 Oct
  • Macro Concerns Grow, But Synchrony's Earnings Remain Resilient24 Oct
  • 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

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/E0.00
Est EPS2.20
Est PEG0.00

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 USD12 Nov '26
Price (As of 12 Nov '26)71.67
Basic Shares325.37
Market Cap23,317.7
Diluted Shares322.40
Fully Diluted Shares Outstanding322.40
Fully Diluted Market Cap23,104.8
+Consolidated Debt17,025.0
−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 Value26,157.7

Related companies

Lion Group Holding Ltd

LGHL US

American Express Company

AXP US

Nu Holdings Ltd.

NU US

Strategy Inc

MSTR US

Guotai Junan Securities Co., Ltd.

GUOSF US

CITIC Securities Company Limited

CIIHY US

Coinbase Global, Inc.

COIN US

Affirm Holdings, Inc.

AFRM US

GF Securities Co., Ltd.

000776 CS

CSC Financial Co., Ltd.

601066 CG

China Merchants Securities Co., Ltd.

600999 CG

Tradeweb Markets Inc.

TW US