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SYF

Synchrony Financial

SYF

NYSE·Financial Services·Financial - Credit Services·Mkt cap $25.8B

$76.33

▼ -0.57%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$63.08 - $88.77

P/E

7.89

Fwd P/E

8.22

Beta

1.32

Div Yield

1.56%

Avg Vol

3.8M

Shares Out

337.0M

Mkt Cap

$25.8B

Price action

Price chart

Up 10.5% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

4 reasons

  • Extensive Retail Partnership Network
  • Advanced Credit Risk Analytics
  • Omnichannel Digital Infrastructure
  • Customized Financial Product Design
▼

Bear Case

1 risk

  • Average volatility.

Growth

Revenue decline expected

E-commerce Expansion

Value

Attractively priced below Specialty Finance peer average

Momentum

Strong

+12.2% over 3m

Quality

Excellent

Exceptional business - top-tier fundamentals

Dividend

Modest

1.56% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 20, 2026

“
Q2 26 RECAP

APR 21, 2026

Reported EPS of $2.27 vs $2.22 consensus (+2.3% surprise). Revenue of $3.7B vs $3.8B expected (-2.4%).

EPS beat +2.3%
Revenue miss

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+2.3%

Next: Apr 20, 2026

Revenue trend · last 8Q

—

—

+4%

-0%

-2%

+0%

+25%

+17%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$3.7B

$3.8B

$3.8B

$4.8B

$4.7B

$4.8B

$4.8B

$5.6B

Margins · last 8Q

Gross

82.7%

Operating

16.3%

Profit

14.4%

View full earnings history →

Wall Street consensus

9 analysts · 56% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

5

56%

Hold

4

44%

Sell

0%

Median Price Target

$82.00

▲ +7.4% vs $76.33

Low $81.00
Median $82.00
High $84.00

Latest: Loop Capital · $81.00 · May 21, 2026

3 analysts covering

View full analyst page →

vs Industry

How SYF stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.