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SYF

Synchrony Financial

Oct 28 • 04:00PM ET

74.72

-0.24 -0.32 %

Financial • Credit Services • USA • NYSE

Peers: DFS COF AXP ALLY C USB WFC BAC JPM GS

| Held by: VTI VOO VO IVV SPY RDVY VTV XLF VOE RSP

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Index	S&P 500	P/E	8.17	EPS (ttm)	9.15	Insider Own	0.45%	Shs Outstand	360.14M	Perf Week	0.97%
Market Cap	26.91B	Forward P/E	8.04	EPS next Y	9.29	Insider Trans	-5.36%	Shs Float	358.54M	Perf Month	1.91%
Enterprise Value	26.32B	PEG	0.50	EPS next Q	2.06	Inst Own	109.13%	Short Float	4.83%	Perf Quarter	6.35%
Income	3.49B	P/S	1.40	EPS this Y	40.53%	Inst Trans	0.35%	Short Ratio	5.19	Perf Half Y	42.51%
Sales	19.27B	P/B	1.70	EPS next Y	0.45%	ROA	3.03%	Short Interest	17.32M	Perf YTD	14.95%
Book/sh	43.99	P/C	1.66	EPS next 5Y	16.42%	ROE	21.64%	52W High	77.41 -3.48%	Perf Year	35.22%
Cash/sh	45.10	P/FCF	2.76	EPS past 3/5Y	5.23% 8.99%	ROIC	11.09%	52W Low	40.54 84.29%	Perf 3Y	130.55%
Dividend Est.	1.15 (1.54%)	EV/EBITDA	2.36	Sales past 3/5Y	22.75% 5.88%	Gross Margin	80.23%	Volatility	1.89% 3.15%	Perf 5Y	178.18%
Dividend TTM	1.10 (1.47%)	EV/Sales	1.37	EPS Y/Y TTM	19.65%	Oper. Margin	28.31%	ATR (14)	2.08	Perf 10Y	131.05%
Dividend Ex-Date	Nov 05, 2025	Quick Ratio	2.90	Sales Y/Y TTM	-6.38%	Profit Margin	18.12%	RSI (14)	57.18	Recom	1.88
Dividend Gr. 3/5Y	4.35% 3.06%	Current Ratio	2.90	EPS Q/Q	47.52%	SMA20	3.94%	Beta	1.50	Target Price	83.04
Payout	11.69%	Debt/Eq	0.85	Sales Q/Q	-3.13%	SMA50	1.49%	Rel Volume	0.69	Prev Close	74.96
Employees	20000	LT Debt/Eq	0.85	Earnings	Oct 15 BMO	SMA200	16.25%	Avg Volume	3.34M	Price	74.72
IPO	Jul 31, 2014	Option/Short	Yes / Yes	EPS/Sales Surpr.	26.38% 0.68%	Trades		Volume	2,322,085	Change	-0.32%

Date	Action	Analyst	Rating Change	Price Target Change
Oct-10-25	Upgrade	HSBC Securities	Hold → Buy	$81
Oct-07-25	Downgrade	JP Morgan	Overweight → Neutral	$75
Aug-01-25	Initiated	Rothschild & Co Redburn	Neutral	$72
Jul-14-25	Upgrade	BTIG Research	Neutral → Buy	$100
Apr-07-25	Downgrade	Morgan Stanley	Overweight → Equal-Weight	$44
Jan-28-25	Downgrade	Compass Point	Buy → Neutral	$70
Jan-06-25	Upgrade	Barclays	Equal Weight → Overweight	$59 → $79
Dec-19-24	Upgrade	Morgan Stanley	Underweight → Overweight	$40 → $82
Dec-09-24	Upgrade	JP Morgan	Neutral → Overweight	$59 → $72
Dec-03-24	Upgrade	Wells Fargo	Equal Weight → Overweight	$60 → $85
Sep-16-24	Downgrade	BTIG Research	Buy → Neutral
Aug-09-24	Upgrade	BofA Securities	Neutral → Buy	$54
Jul-16-24	Initiated	Compass Point	Buy	$56
Jun-28-24	Initiated	Robert W. Baird	Outperform	$56
Jun-07-24	Initiated	BTIG Research	Buy	$60
May-02-24	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$45 → $62
Apr-04-24	Upgrade	Wolfe Research	Underperform → Outperform	$36 → $50
Feb-08-24	Resumed	Morgan Stanley	Underweight	$30
Jan-10-24	Initiated	Deutsche Bank	Buy	$56
Jan-10-24	Downgrade	BMO Capital Markets	Outperform → Market Perform	$40

Show Previous Ratings

Oct-28-25 10:06AM	RBC Capital Cuts Synchrony Financial (SYF) Price Target but Touts Growth Outlook (Insider Monkey)
12:02AM	3 Reasons We Love Synchrony Financial (SYF) (StockStory)
Oct-24-25 11:09AM	Zacks.com featured highlights include Carnival, Micron Technology, Synchrony Financial and Ericsson (Zacks)
11:06AM	BFH Q3 Earnings & Revenues Beat Estimates, Credit Sales Rise Y/Y (Zacks)
Oct-23-25 04:05PM	Synchrony Announces Quarterly Common Stock Dividend of $0.30 Per Share (PR Newswire)
03:00PM	Loading…
03:00PM	4 Low-PEG GARP Stocks That Perfectly Balance Growth and Value (Zacks)
11:00AM	What Credit-Card Trends Tell Us About the U.S. Consumer, in Charts (The Wall Street Journal)
Oct-22-25 05:55PM	3 Key Stocks Boosting Buybacks Amid Improving Fundamentals (MarketBeat)
01:31AM	Synchrony Financial's Q3 Earnings Call: Our Top 5 Analyst Questions (StockStory)
Oct-20-25 11:40AM	SYF vs. AXP: Which Stock Is the Better Value Option? (Zacks)
09:40AM	Are Investors Undervaluing Synchrony Financial (SYF) Right Now? (Zacks)
08:22AM	Earnings live: Tesla, Netflix, General Motors, Ford, and P&G to headline third quarter earnings calendar this week (Yahoo Finance)
Oct-17-25 08:12AM	Earnings live: American Express beats estimates, EssilorLuxottica stock surges as focus turns to regional bank earnings (Yahoo Finance)
Oct-16-25 04:42PM	Earnings live: TSMC profit surges, CSX and Interactive Brokers Q3 results beat estimates (Yahoo Finance)
07:50AM	Earnings live: TSMC profit surges amid 'strong' AI demand, Charles Schwab stock ticks higher, United slips (Yahoo Finance)
07:50AM	Loading…
07:50AM	Earnings live: TSMC profit surges amid 'strong' AI demand, Charles Schwab stock rises, United slips premarket (Yahoo Finance)
01:31AM	SYF Q3 Deep Dive: Credit Actions and New Partnerships Shape Flat Revenue, Outlook Hinges on Consumer Resilience (StockStory)
Oct-15-25 04:20PM	Earnings live: United Airlines stock rises on earnings beat; shares of Bank of America, Morgan Stanley, LVMH, and ASML gain (Yahoo Finance)
03:00PM	Synchrony Financial (SYF) Q3 2025 Earnings Call Highlights: Strong Earnings Amid Strategic ... (GuruFocus.com)
02:00PM	What Bank CEOs Are Saying About the Economy (The Wall Street Journal)
12:57PM	The Nation's Biggest Banks Are Saying the Economy Is Still Strong (The Wall Street Journal)
12:01PM	Synchrony Q3 Earnings Beat Estimates on Improved Purchase Volume (Zacks)
11:45AM	Analyst Report: Synchrony Financial (Morningstar Research)
09:30AM	Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
07:38AM	Synchrony Financial's (NYSE:SYF) Q3: Beats On Revenue (StockStory)
07:30AM	Earnings live: Bank of America, Morgan Stanley, LVMH, and ASML stocks jump on strong results (Yahoo Finance)
07:30AM	Earnings live: Bank of America, LVMH, and ASML stocks jump on strong results (Yahoo Finance)
07:05AM	Synchrony (SYF) Q3 Earnings and Revenues Surpass Estimates (Zacks)
06:49AM	Synchrony Financial Posts Higher Profit, Revenue (The Wall Street Journal)
06:03AM	Synchrony: Q3 Earnings Snapshot (Associated Press Finance)
06:00AM	Loading…
06:00AM	Synchrony Reports Third Quarter 2025 Results; Company also Announces Approval of $1 Billion Increase in Share Repurchase Authority (PR Newswire)
05:29AM	Morgan Stanley and Bank of America headline Wednesday's earnings slate (MarketWatch)
04:14AM	Stock Market Today: Dow, S&P 500 and Nasdaq called higher as Powell comments and earnings provide support; Bank of America and Morgan Stanley numbers on tap; gold hits fresh record high. (MarketWatch)
Oct-14-25 07:00PM	BofA & Morgan Stanley earnings, Fed Beige Book: What to Watch (Yahoo Finance Video)
01:06PM	Synchrony Financial (SYF) Stock Trades Up, Here Is Why (StockStory)
09:00AM	Synchrony and Pumpkin Pet Insurance Partner to Deliver Simple Reimbursements for Pet Owners Through CareCredit (PR Newswire)
07:35AM	Earnings live: JPMorgan, BlackRock, Wells Fargo, Johnson & Johnson take spotlight as Q3 earnings kick off (Yahoo Finance)
07:35AM	Earnings live: JPMorgan, BlackRock stocks edge lower, Wells Fargo rises as Q3 earnings season kicks off (Yahoo Finance)
Oct-13-25 11:02PM	Synchrony Financial (SYF) To Report Earnings Tomorrow: Here Is What To Expect (StockStory)
04:23PM	Earnings live: JPMorgan, Citi, and other Wall Street banks set to lead off Q3 earnings season (Yahoo Finance)
09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
Oct-12-25 07:46AM	Stocks dip as government shutdown continues, rare earths rally: What to watch this week (Yahoo Finance)
Oct-10-25 10:39AM	Can Synchrony Beat Q3 Earnings Estimates on Improving Margins? (Zacks)
10:21AM	Baidu, Pony AI, Synchrony Financial: Top Analyst Calls (Yahoo Finance Video)
10:00AM	American Express (AXP) Earnings Expected to Grow: Should You Buy? (Zacks)
09:36AM	Align downgraded, NetEase upgraded: Wall Street's top analyst calls (The Fly)
09:15AM	Gear Up for Synchrony (SYF) Q3 Earnings: Wall Street Estimates for Key Metrics (Zacks)
Oct-08-25 01:48PM	Walmart's OnePay boosts crypto; Lloyds' tech saves cash (American Banker)
10:00AM	Synchrony (SYF) Earnings Expected to Grow: Should You Buy? (Zacks)
12:03AM	3 Reasons SYF Has Explosive Upside Potential (StockStory)
Oct-07-25 09:50AM	Netflix upgraded, Dollar Tree downgraded: Wall Street's top analyst calls (The Fly)
Oct-01-25 05:00PM	PSG Completes Sale of Versatile Credit to Synchrony (Business Wire)
04:45PM	Versatile Credit Bringing Leading Credit Access Platform to Synchrony (PR Newswire)
02:04PM	JMP Raises Price Target On Synchrony Financial (SYF) To $88 From $77 (Insider Monkey)
09:00AM	mClub Selects Synchrony's CareCredit as Exclusive Financing Partner, Bolstering Independent Veterinary Practices with Comprehensive Pet Care Solutions (PR Newswire)
08:00AM	Newegg Adds 4% Everyday Savings Benefit to Store Credit Card (Business Wire)
Sep-29-25 06:45PM	Top Research Reports for Wells Fargo, CME & EOG Resources (Zacks)
04:05PM	Synchrony Names Deborah Ellinger to Board of Directors (PR Newswire)
05:41AM	What to Expect From Synchrony Financial's Next Quarterly Earnings Report (Barchart)
Sep-25-25 09:40AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
Sep-23-25 09:00AM	New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly (PR Newswire)
Sep-19-25 03:52AM	Is Synchrony Financial Stock Outperforming the Dow? (Barchart)
Sep-18-25 12:29PM	Synchrony Teams Up With Audibel to Expand Financing for Hearing Care (Zacks)
09:00AM	Synchrony and University of Illinois Urbana-Champaign Celebrate Major Expansion as Emerging Technology Center Surpasses 400 Internships, Empowering the Next Generation of Innovators (PR Newswire)
Sep-17-25 01:06PM	Walmart Stock Heads for a Record High. The Retailer Could Become a Leader in 'Agentic' AI. (Barrons.com)
09:50AM	Why This 1 Momentum Stock Could Be a Great Addition to Your Portfolio (Zacks)
09:00AM	Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care (PR Newswire)
08:00AM	Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025 (PR Newswire)
05:00AM	SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE (PR Newswire)
Sep-13-25 09:45AM	Jim Cramer Says He Prefers Capital One Over Synchrony Financial (Insider Monkey)
Sep-12-25 11:40AM	SYF vs. BX: Which Stock Should Value Investors Buy Now? (Zacks)
Sep-10-25 09:40AM	Should Value Investors Buy Synchrony Financial (SYF) Stock? (Zacks)
Sep-09-25 09:40AM	Are You a Value Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
Sep-03-25 08:00AM	Synchrony to Participate in the Barclays Global Financial Services Conference (PR Newswire)
Sep-02-25 09:07AM	August's Top S&P 500 Performers in the Financial Services Sector (Zacks)
Sep-01-25 11:32PM	Q2 Earnings Roundup: Synchrony Financial (NYSE:SYF) And The Rest Of The Credit Card Segment (StockStory)
09:50AM	Here's Why Synchrony (SYF) is a Strong Momentum Stock (Zacks)
Aug-29-25 01:53PM	Top Stock Reports for Alphabet, Morgan Stanley & ServiceNow (Zacks)
10:13AM	Synchrony's Health & Wellness Bet: A Long-Term Growth Catalyst? (Zacks)
Aug-28-25 01:58PM	Final Trades: KKR & Co, Schlumberger, Synchrony Financial and CrowdStrike (CNBC TV)
Aug-27-25 11:36AM	Capital One vs. Synchrony Financial: Which Stock is a Better Pick Now? (Zacks)
Aug-26-25 02:51PM	Josh Brown's Best Stocks in the Market: O'Reilly Auto, Synchrony Financial & Hartford Insurance (CNBC TV)
Aug-22-25 02:56PM	Synchrony Financial (SYF) Stock Trades Up, Here Is Why (StockStory)
Aug-21-25 11:30AM	Synchrony (SYF) Down 0.7% Since Last Earnings Report: Can It Rebound? (Zacks)
09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
Aug-11-25 02:12PM	Blue Owl Capital's Q2 Earnings Beat on Strong Investment Results (Zacks)
Aug-08-25 08:41AM	Are Wall Street Analysts Bullish on Synchrony Financial Stock? (Barchart)
Aug-06-25 09:50AM	Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term (Zacks)
Aug-04-25 09:40AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
Jul-31-25 08:47AM	Yello Releases the Top 100 Internship Programs List of 2025 on National Intern Day (PR Newswire)
Jul-23-25 09:00AM	Synchrony and Dental Intelligence Partner to Simplify Payment and Marketing Solutions for Dentists (PR Newswire)
03:06AM	Synchrony Financial (SYF) Q2 2025 Earnings Call Highlights: Strong Earnings Amidst Strategic ... (GuruFocus.com)
Jul-22-25 03:27PM	Analyst Report: Synchrony Financial (Morningstar Research)
12:37PM	Synchrony Q2 Earnings Beat Estimates on Improved Efficiency (Zacks)
09:30AM	Synchrony (SYF) Reports Q2 Earnings: What Key Metrics Have to Say (Zacks)
07:42AM	Synchrony Financial CEO Touts Resilience, But Lowered Outlook Spooks Investors (Benzinga)
07:05AM	Synchrony (SYF) Tops Q2 Earnings and Revenue Estimates (Zacks)
06:05AM	Synchrony: Q2 Earnings Snapshot (Associated Press Finance)
06:00AM	Synchrony Reports Second Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share (PR Newswire)
Jul-21-25 08:34AM	Is a Surprise Coming for Synchrony Financial This Earnings Season? (Zacks)

Synchrony Financial engages in the provision of consumer financial services. It focuses on digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and other industries. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Wenzel Brian J. Sr.	See remarks	Aug 05 '25	Option Exercise	34.30	8,514	292,030	77,102	Aug 05 05:58 PM
Wenzel Brian J. Sr.	See remarks	Aug 05 '25	Sale	70.00	8,514	595,980	68,588	Aug 05 05:58 PM
Owens Darrell	See remarks	Aug 04 '25	Sale	67.95	600	40,770	21,372	Aug 05 05:58 PM
Gentleman Courtney	See remarks	Aug 04 '25	Sale	67.95	709	48,177	17,628	Aug 05 05:57 PM
NAYLOR JEFFREY G	Director	Aug 05 '25	Sale	70.00	10,000	700,000	59,864	Aug 05 05:57 PM
NAYLOR JEFFREY G	Director	Aug 01 '25	Sale	67.50	10,000	675,000	69,864	Aug 05 05:57 PM
NAYLOR JEFFREY G	Director	Aug 05 '25	Proposed Sale	70.00	10,000	700,000		Aug 05 04:18 PM
Wenzel Brian J. Sr.	Officer	Aug 05 '25	Proposed Sale	70.00	8,514	595,980		Aug 05 04:08 PM
Gentleman Courtney	Officer	Aug 04 '25	Proposed Sale	67.95	709	48,177		Aug 04 10:48 AM
Owens Darrell	Officer	Aug 04 '25	Proposed Sale	67.95	600	40,770		Aug 04 10:20 AM
NAYLOR JEFFREY G	Director	Aug 01 '25	Proposed Sale	67.50	10,000	675,000		Aug 01 12:07 PM
Howse Curtis	See remarks	Jun 24 '25	Option Exercise	33.53	11,380	381,571	119,442	Jun 26 07:36 PM
Howse Curtis	See remarks	Jun 24 '25	Sale	65.00	11,380	739,700	108,062	Jun 26 07:36 PM
NAYLOR JEFFREY G	Director	Jun 24 '25	Sale	65.00	10,000	650,000	78,570	Jun 26 07:36 PM
NAYLOR JEFFREY G	Director	Jun 24 '25	Proposed Sale	65.00	10,000	650,000		Jun 24 02:32 PM
Howse Curtis	Officer	Jun 24 '25	Proposed Sale	65.00	11,380	739,700		Jun 24 02:20 PM
MOTHNER JONATHAN S	See remarks	May 19 '25	Option Exercise	29.33	22,639	664,002	187,267	May 19 06:10 PM
MOTHNER JONATHAN S	See remarks	May 19 '25	Sale	60.07	40,639	2,441,185	146,628	May 19 06:10 PM
MOTHNER JONATHAN S	Officer	May 19 '25	Proposed Sale	60.07	40,639	2,441,185		May 19 09:43 AM
DOUBLES BRIAN D	See remarks	Feb 28 '25	Option Exercise	29.79	48,747	1,452,136	826,168	Mar 04 07:20 PM
DOUBLES BRIAN D	See remarks	Feb 28 '25	Sale	60.09	148,747	8,938,696	677,421	Mar 04 07:20 PM
Casellas Alberto	See remarks	Mar 03 '25	Option Exercise	29.79	15,596	464,593	114,488	Mar 04 07:20 PM
Casellas Alberto	See remarks	Mar 03 '25	Sale	60.01	58,026	3,482,140	56,462	Mar 04 07:20 PM
Wenzel Brian J. Sr.	See remarks	Mar 03 '25	Sale	60.01	62,702	3,762,747	68,249	Mar 04 07:20 PM
Juel Carol	See remarks	Mar 03 '25	Option Exercise	33.90	34,758	1,178,228	149,163	Mar 04 07:20 PM
Juel Carol	See remarks	Mar 03 '25	Sale	59.19	91,413	5,410,416	57,750	Mar 04 07:20 PM
Owens Darrell	See remarks	Mar 03 '25	Sale	60.01	11,075	664,611	22,339	Mar 04 07:19 PM
Schaller Bart	See remarks	Mar 03 '25	Option Exercise	33.91	29,001	983,532	116,673	Mar 04 07:19 PM
Schaller Bart	See remarks	Mar 03 '25	Sale	59.18	75,111	4,445,083	41,562	Mar 04 07:19 PM
Howse Curtis	See remarks	Mar 03 '25	Sale	60.01	34,043	2,042,920	107,816	Mar 04 07:19 PM
Gentleman Courtney	See remarks	Mar 03 '25	Sale	60.01	10,010	600,700	18,808	Mar 04 07:19 PM
Juel Carol	Officer	Mar 03 '25	Proposed Sale	59.19	91,413	5,410,412		Mar 03 04:41 PM
Howse Curtis	Officer	Mar 03 '25	Proposed Sale	60.01	34,043	2,042,920		Mar 03 03:49 PM
Gentleman Courtney	Officer	Mar 03 '25	Proposed Sale	60.01	10,010	600,700		Mar 03 01:00 PM
Owens Darrell	Officer	Mar 03 '25	Proposed Sale	60.01	11,075	664,611		Mar 03 12:56 PM
Casellas Alberto	Officer	Mar 03 '25	Proposed Sale	60.01	58,026	3,482,140		Mar 03 12:17 PM
Nalluswami Maran	Officer	Mar 03 '25	Proposed Sale	60.00	19,447	1,166,894		Mar 03 11:52 AM
Schaller Bart	Officer	Mar 03 '25	Proposed Sale	60.01	75,111	4,507,411		Mar 03 11:29 AM
Wenzel Brian J. Sr.	Officer	Mar 03 '25	Proposed Sale	60.01	62,702	3,762,747		Mar 03 11:13 AM
DOUBLES BRIAN D	Officer	Feb 28 '25	Proposed Sale	59.56	148,747	8,859,371		Feb 28 10:13 AM
MOTHNER JONATHAN S	See remarks	Nov 15 '24	Option Exercise	30.41	16,163	491,517	161,750	Nov 19 06:11 PM
MOTHNER JONATHAN S	See remarks	Nov 15 '24	Sale	64.99	34,163	2,220,253	127,587	Nov 19 06:11 PM
MOTHNER JONATHAN S	Officer	Nov 15 '24	Proposed Sale	64.99	34,163	2,220,253		Nov 15 12:31 PM
Howse Curtis	See remarks	Nov 01 '24	Sale	55.13	21,934	1,209,221	99,743	Nov 06 07:06 AM
Howse Curtis	Officer	Nov 01 '24	Proposed Sale	55.13	21,934	1,209,221		Nov 01 02:06 PM

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SYF

Synchrony Financial

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