SYF

Synchrony Financial

Sep 15 • 04:00PM ET

76.28

+0.91 1.21 %

Financial • Credit Services • USA • NYSE

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

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

Index	S&P 500	P/E	9.27	EPS (ttm)	8.23	Insider Own	0.45%	Shs Outstand	371.94M	Perf Week	1.52%
Market Cap	28.38B	Forward P/E	8.31	EPS next Y	9.18	Insider Trans	-5.20%	Shs Float	370.38M	Perf Month	4.74%
Enterprise Value	26.15B	PEG	0.57	EPS next Q	2.18	Inst Own	105.17%	Short Float	4.10%	Perf Quarter	27.47%
Income	3.20B	P/S	1.46	EPS this Y	31.19%	Inst Trans	0.33%	Short Ratio	4.67	Perf Half Y	43.01%
Sales	19.43B	P/B	1.80	EPS next Y	6.35%	ROA	2.73%	Short Interest	15.17M	Perf YTD	17.35%
Book/sh	42.29	P/C	1.46	EPS next 5Y	16.17%	ROE	20.23%	52W High	77.41 -1.46%	Perf Year	66.40%
Cash/sh	52.30	P/FCF	2.87	EPS past 3/5Y	5.23% 8.99%	ROIC	10.54%	52W Low	40.54 88.14%	Perf 3Y	133.99%
Dividend Est.	1.14 (1.49%)	EV/EBITDA	2.34	Sales past 3/5Y	22.75% 5.88%	Gross Margin	79.62%	Volatility	2.27% 2.13%	Perf 5Y	198.79%
Dividend TTM	1.10 (1.44%)	EV/Sales	1.35	EPS Y/Y TTM	14.60%	Oper. Margin	26.07%	ATR (14)	1.66	Perf 10Y	141.39%
Dividend Ex-Date	Aug 05, 2025	Quick Ratio	2.48	Sales Y/Y TTM	-3.16%	Profit Margin	16.49%	RSI (14)	60.20	Recom	1.88
Dividend Gr. 3/5Y	4.35% 3.06%	Current Ratio	2.48	EPS Q/Q	61.00%	SMA20	2.07%	Beta	1.52	Target Price	80.61
Payout	11.69%	Debt/Eq	0.94	Sales Q/Q	-3.62%	SMA50	5.70%	Rel Volume	0.82	Prev Close	75.37
Employees	20000	LT Debt/Eq	0.79	Earnings	Jul 22 BMO	SMA200	20.49%	Avg Volume	3.25M	Price	76.28
IPO	Jul 31, 2014	Option/Short	Yes / Yes	EPS/Sales Surpr.	37.57% -1.61%	Trades		Volume	2,661,477	Change	1.21%

Date	Action	Analyst	Rating Change	Price Target Change
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
Nov-15-23	Initiated	Barclays	Equal Weight	$31
Nov-01-23	Initiated	TD Cowen	Outperform	$34

Show Previous Ratings

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)
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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	Loading…
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)
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Jul-21-25 08:34AM	Is a Surprise Coming for Synchrony Financial This Earnings Season? (Zacks)
Jul-20-25 01:15PM	Donald Trump faces frosty reception on Aberdeen golf trip (Financial Times)
Jul-18-25 09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
Jul-17-25 10:00AM	Earnings Preview: ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Expected to Decline (Zacks)
09:50AM	Here's Why Synchrony (SYF) is a Strong Momentum Stock (Zacks)
09:43AM	Can Synchrony Beat Q2 Earnings Estimates on Improving Margins? (Zacks)
09:15AM	Synchrony (SYF) Q2 Earnings Preview: What You Should Know Beyond the Headline Estimates (Zacks)
Jul-15-25 10:00AM	Synchrony (SYF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Jul-14-25 10:24AM	BTIG downgrades Affirm, PROG Holdings on credit risks (Investing.com)
Jul-13-25 02:15PM	Synchrony's 11% Shareholder Yield Is Too Good for the Market to Ignore (GuruFocus.com)
Jul-09-25 10:11AM	Seaport Global Raises PT on Synchrony Financial (SYF); Maintains 'Buy' Rating (Insider Monkey)
Jul-02-25 09:40AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
Jul-01-25 03:59AM	What to Expect From Synchrony Financial's Q2 2025 Earnings Report (Barchart)
Jun-30-25 09:50AM	Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term (Zacks)
Jun-25-25 12:22PM	Synchrony Partners With Sploot to Make Pet Healthcare More Affordable (Zacks)
09:00AM	Synchrony and KTM North America Partner to Sponsor Babes in the Dirt 2025 Off-Road Adventure Series to Highlight Women Off-Roaders (PR Newswire)
Jun-24-25 09:00AM	Synchrony Partners with Sploot Veterinary Care to Finance Comprehensive Veterinary Services with CareCredit (PR Newswire)
08:00AM	Synchrony to Announce Second Quarter 2025 Financial Results on July 22, 2025 (PR Newswire)
Jun-19-25 09:48AM	SYF Joins Forces With Payzer to Streamline Home Improvement Financing (Zacks)
08:49AM	Is Synchrony Financial Stock Outperforming the Nasdaq? (Barchart)
Jun-18-25 09:00AM	Synchrony and Payzer to Offer Seamless Home Improvement Financing Options (PR Newswire)
Jun-16-25 09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
09:00AM	Synchrony Sets a New Standard in Consumer Credit Education with Fair Financing Principles (PR Newswire)
Jun-13-25 01:10PM	Analyst Report: Synchrony Financial (Morningstar Research)
09:50AM	Are You a Momentum Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
Jun-11-25 11:36AM	Making Dreams a Reality: Synchrony Teams Up with Future 5 to Empower Students in Stamford (PR Newswire)
09:58AM	Blackstone Plans to Invest $500 Billion in Europe Over 10 Years (Zacks)
07:00AM	SYNCHRONY RANKS AS NO. 1 WORKPLACE IN NEW YORK (PR Newswire)
Jun-10-25 01:09PM	SYF Ties Up to Offer Two Credit Cards: Higher Net Interest Income Ahead? (Zacks)
11:40AM	SYF or SOFI: Which Is the Better Value Stock Right Now? (Zacks)
09:40AM	Should Value Investors Buy Guild (GHLD) Stock? (Zacks)
Jun-09-25 09:26AM	Synchrony Makes a Comeback in Credit Cards at Walmart (Barrons.com)
08:20AM	OnePay and Synchrony to Launch New Industry-Leading Credit Card Program With Walmart; Credit Card to Be Powered by Mastercard and Set to Go Live This Fall (PR Newswire)
Jun-04-25 12:55PM	Synchrony Expands Credit Reach With New PayPal Credit Card (Zacks)
Jun-03-25 09:00AM	PayPal Enhances Popular Online Credit Offering with New Physical Card for In-Store Use (PR Newswire)
08:00AM	Synchrony to Participate in the Morgan Stanley US Financials Conference (PR Newswire)
Jun-02-25 09:30AM	New Synchrony Study Finds Nearly 8 out of 10 Pet Owners Underestimate the Cost of Care, Reaching Up to $61,000 During a Pet's Lifetime (PR Newswire)
May-29-25 11:25AM	Synchrony & Jewelers Mutual Unite to Transform Jewelry Financing (Zacks)
09:40AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
09:05AM	Synchrony enters into new sponsorship agreement with Jewelers Mutual (TipRanks)
May-28-25 09:00AM	Synchrony and Jewelers Mutual Collaborate on Innovative New Sponsorship Agreement, Combining Finance and Insurance Marketing Efforts (PR Newswire)
May-27-25 12:10PM	Synchrony Jumps 9% in a Month: Time to Hold or Book Profits? (Zacks)
May-22-25 11:30AM	Synchrony (SYF) Up 14.7% Since Last Earnings Report: Can It Continue? (Zacks)
09:26AM	Why Synchrony's Partnership Extension With Discount Tire is Important (Zacks)
May-21-25 09:00AM	Synchrony and Discount Tire Extend Long-Standing Partnership, Providing Drivers Nationwide with Financing Flexibility and Convenience (PR Newswire)
May-20-25 09:00AM	Synchrony Partners with the Independent Animal Hospital Association (IAHA) to offer CareCredit, Spotlighting Commitment to the Nation's Independent Veterinary Hospitals (PR Newswire)
May-19-25 09:50AM	Here's Why Synchrony (SYF) is a Strong Momentum Stock (Zacks)
May-13-25 09:40AM	Are You a Value Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
May-08-25 12:37PM	PRA Group's Q1 Earnings Miss Estimates on Rising Legal Collection Costs (Zacks)
May-07-25 05:15PM	OppFi: Fantastic Q1 Results Support The Firm's Turnaround Story (Seeking Alpha)
May-02-25 11:04AM	Virtu Financial's Q1 Earnings Beat on Higher Commissions, Stock Up 2% (Zacks)
May-01-25 04:08AM	Synchrony Financial (SYF): Among The Lowest PE Ratio Stocks in S&P 500 (Insider Monkey)
Apr-30-25 02:31PM	Synchrony Financial (SYF): Among Billionaire George Soros' Mid-Cap Stocks With Huge Upside Potential (Insider Monkey)
11:43AM	Synchrony Financial (SYF): Among Billionaire Cliff Asness' Stock Picks with Huge Upside Potential (Insider Monkey)
Apr-28-25 10:02AM	3 Stocks Just Announced Intentions to Buyback Near 10% of Shares (MarketBeat)
05:30AM	Inflation Fear Is Making Some People Spend Moreand Others Less (The Wall Street Journal)
Apr-25-25 11:34AM	Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise (Zacks)
09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
Apr-24-25 06:51PM	Analyst Report: Synchrony Financial (Morningstar Research)
12:56PM	Discover Financial's Q1 Earnings Beat on Digital Banking Strength (Zacks)
09:25AM	5 Stocks That Recently Hiked Their Dividend to Reward Investors (Zacks)
09:00AM	Synchrony's CareCredit Offered at 100% of Public Veterinary University Hospitals Nationwide, Expanding Access to Pet Care (PR Newswire)
Apr-23-25 09:14AM	Synchrony Financial: Mr. Market Puts It On Sale Again (Seeking Alpha)
09:00AM	Synchrony and Belle Tire Partner on New Credit Card Program to Help Make Car Care More Affordable (PR Newswire)
07:13AM	Synchrony Financial: On The Precipice Of Potential Consumer Debt Collapse (Seeking Alpha)
Apr-22-25 01:24PM	Synchrony Beats Q1 Earnings Estimates, Unveils 20% Dividend Hike (Zacks)
11:55AM	Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade) (Seeking Alpha)
10:57AM	Synchrony Financial (SYF) Q1 2025 Earnings Call Transcript (Seeking Alpha)
10:54AM	Analyst Report: Synchrony Financial (Morningstar Research)
09:30AM	Synchrony (SYF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates (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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