Synchrony Financial
SYF
NYSE·Financial Services·Financial - Credit Services·Mkt cap $26.0B
$79.92
▲ +0.09%
P/E
8.17
Mkt Cap
$26.0B
52-Wk Range
$63.08–$88.77
52-Week Range
$63.08 - $88.77
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 6.4% over the trailing year
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
+12.8% over 3m
Quality
Strong
Excellent business quality
Dividend
Modest
1.55% yield
Smart-money signal
Who's buying SYF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 21, 2026
JUL 21, 2026
Reported EPS of $2.59 vs $2.14 consensus (+21.0% surprise). Revenue of $3.7B vs $3.7B expected (-0.2%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+21.0%
Revenue trend · last 8Q
—
+4%
-0%
-2%
+0%
+25%
+17%
-0%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$3.8B
$3.8B
$4.8B
$4.7B
$4.8B
$4.8B
$5.6B
$4.7B
Margins · last 8Q
Gross
83.7%
Operating
29.7%
Profit
18.9%
Wall Street consensus
11 analysts · 55% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
55%
Hold
45%
Sell
0%
Median Price Target
—
Latest: Wolfe Research · Aug 25, 2026
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.
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