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SYF

Synchrony Financial

Mar 21 • 04:00PM ET

54.02

Dollar change +0.15
Percentage change 0.28	%

Financial • Credit Services • USA • NYSE

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

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

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Index	S&P 500	P/E	6.33	EPS (ttm)	8.53	Insider Own	0.46%	Shs Outstand	388.26M	Perf Week	1.27%
Market Cap	21.00B	Forward P/E	6.09	EPS next Y	8.86	Insider Trans	-23.43%	Shs Float	386.95M	Perf Month	-15.40%
Income	3.43B	PEG	0.36	EPS next Q	1.63	Inst Own	99.09%	Short Float	3.76%	Perf Quarter	-19.60%
Sales	20.76B	P/S	1.01	EPS this Y	16.96%	Inst Trans	-0.61%	Short Ratio	3.64	Perf Half Y	10.49%
Book/sh	39.56	P/B	1.37	EPS next Y	15.17%	ROA	2.95%	Short Interest	14.54M	Perf Year	28.25%
Cash/sh	37.84	P/C	1.43	EPS next 5Y	17.35%	ROE	22.96%	52W Range	39.67 - 70.93	Perf YTD	-16.89%
Dividend Est.	1.05 (1.95%)	P/FCF	2.13	EPS past 5Y	8.99%	ROI	12.98%	52W High	-23.84%	Beta	1.44
Dividend TTM	1.00 (1.85%)	Quick Ratio	-	Sales past 5Y	7.68%	Gross Margin	80.11%	52W Low	36.17%	ATR (14)	2.14
Dividend Ex-Date	Feb 03, 2025	Current Ratio	-	EPS Y/Y TTM	65.57%	Oper. Margin	25.92%	RSI (14)	37.87	Volatility	3.15% 4.01%
Employees	20000	Debt/Eq	0.93	Sales Y/Y TTM	19.73%	Profit Margin	16.51%	Recom	1.92	Target Price	76.95
Option/Short	Yes / Yes	LT Debt/Eq	0.59	EPS Q/Q	84.33%	Payout	11.69%	Rel Volume	1.61	Prev Close	53.87
Sales Surprise	-0.73%	EPS Surprise	-1.04%	Sales Q/Q	3.73%	Earnings	Jan 28 BMO	Avg Volume	3.99M	Price	54.02
SMA20	-2.72%	SMA50	-13.37%	SMA200	-3.44%	Trades		Volume	6,428,216	Change	0.28%

Date	Action	Analyst	Rating Change	Price Target Change
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
Oct-13-23	Initiated	HSBC Securities	Hold	$32
Sep-05-23	Downgrade	RBC Capital Mkts	Outperform → Sector Perform	$41 → $37
Jul-14-23	Downgrade	Oppenheimer	Outperform → Perform

Show Previous Ratings

Mar-21-25 10:10AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
09:40AM	Are Investors Undervaluing Synchrony Financial (SYF) Right Now? (Zacks)
Mar-11-25 05:30AM	Consumers Keep Bailing Out the Economy. Now They Might Be Maxed Out. (The Wall Street Journal)
Mar-07-25 09:34AM	Synchrony Makes a Big Splash in Connecticut Celebrating a Decade of Polar Plunges to Support Charity (PR Newswire)
Feb-27-25 06:39PM	Analyst Report: Synchrony Financial (Morningstar Research)
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Feb-17-25 09:00AM	Big Banks Are Scrubbing Their Public Mentions of DEI Efforts (The Wall Street Journal)
Feb-03-25 08:00AM	Synchrony to Participate in the UBS Financial Services Conference (PR Newswire)
Jan-31-25 05:30AM	Wall Street Is Booming, but Banks Are in a Lending Rut (The Wall Street Journal)
Jan-29-25 05:08PM	Analyst Report: Synchrony Financial (Morningstar Research)
Jan-28-25 11:50AM	Analyst Report: Synchrony Financial (Morningstar Research)
10:41AM	Stock Market Today: Dow Jones, S&P 500 Try To Pull Ahead As Nvidia Attempts To Rebound From Massive Sell-Off (Live Coverage) (Investor's Business Daily)
10:12AM	Synchrony Financial Stock Sinks as Charge-Offs Surge (Investopedia)
06:00AM	Synchrony Reports Fourth Quarter 2024 Results (PR Newswire)
Jan-23-25 08:30AM	Synchrony Renews 30-Year Relationship Dedicated to Enhancing Credit and Shopping Experiences with Sam's Club (PR Newswire)
Jan-22-25 09:00AM	KnitWell Group, Synchrony and Mastercard Partner to Offer Shoppers More Ways to Pay for Apparel and Accessories at Chico's, WHBM and Soma (PR Newswire)
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Jan-21-25 04:30PM	Synchrony Announces Quarterly Common Stock Dividend of $0.25 Per Share (PR Newswire)
Jan-16-25 10:53AM	Eligible Synchrony Mastercard Customers Now Have Access to the Pay Later Feature of Apple Pay (PR Newswire)
Jan-15-25 09:00AM	Paradise for Pets, Peace of Mind for Pet Parents: Synchrony's CareCredit Expands to Pet Paradise Resorts Nationwide (PR Newswire)
Jan-07-25 08:00AM	Synchrony to Announce Fourth Quarter 2024 Financial Results on January 28, 2025 (PR Newswire)
Dec-18-24 09:00AM	Synchrony Extends Consumer Credit Card Issuing Agreement with Chevron, Celebrates 17 Years of Innovative Financial Solutions for Consumers (PR Newswire) -5.36%
Dec-06-24 11:31AM	Synchrony Employees Spread Seasonal Cheer through 'Season of Caring' to Support Stamford Community (PR Newswire)
Dec-04-24 06:50AM	Atlanticus price target raised to $75 from $54 at JMP Securities (TipRanks)
Dec-03-24 11:26AM	The Number of Americans Wanting to Switch Jobs Hits a 10-Year High (The Wall Street Journal)
09:00AM	Synchrony's CareCredit and Daybreak Partner to Provide Better Sleep for Americans (PR Newswire)
08:00AM	Synchrony to Participate in the 2024 Goldman Sachs Financial Services Conference (PR Newswire)
05:30AM	More Workers Feel Stuck on the Job (The Wall Street Journal)
Nov-08-24 08:54AM	The Market Is Betting Trump Wont Fix High Card Rates (The Wall Street Journal)
Nov-07-24 03:13PM	Axos Financial Stock Sees IBD RS Rating Jump To 93 (Investor's Business Daily)
Nov-06-24 04:43PM	S&P 500 Gains and Losses Today: Financials Surge, Solar Stocks Slide After Election (Investopedia) +18.81%
12:10PM	Here Are Some of the Sectors and Stocks Climbing After a Trump Win (Investopedia)
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Oct-30-24 07:00AM	JCPenney and Synchrony Extend Long-Term Financing Partnership with Multi-Year Contract Renewal (PR Newswire)
Oct-29-24 09:00AM	New Synchrony Research Finds Pet Parents Are Equally as Concerned About the Cost of Specialty Veterinary Care as their Pet's Potential Outcome (PR Newswire)
Oct-25-24 10:51AM	Late Payments Say More About Lenders Than About Consumers or the Economy (The Wall Street Journal)
Oct-24-24 04:30PM	Synchrony Announces Quarterly Common Stock Dividend of $0.25 Per Share (PR Newswire)
Oct-23-24 10:00AM	Synchrony Foundation Reinforces Commitmentto Elevate Women in Trades (PR Newswire)
Oct-17-24 06:41PM	Analyst Report: Synchrony Financial (Morningstar Research)
Oct-16-24 12:03PM	Analyst Report: Synchrony Financial (Morningstar Research) +6.06%
06:00AM	Synchrony Reports Third Quarter 2024 Results (PR Newswire)
Oct-09-24 08:00AM	Synchrony Introduces First-of-its-Kind Technology Connecting Pet Insurance and CareCredit, Simplifying Pet Care Payment Process (PR Newswire)
Oct-01-24 09:00AM	Synchrony Continues Commitment to Supporting Independent Veterinary Practices Through Partnership with PSIvet (PR Newswire)
Sep-26-24 08:58AM	Synchrony and DICK'S Sporting Goods Extend Partnership (PR Newswire)
Sep-25-24 08:00AM	Synchrony to Announce Third Quarter 2024 Financial Results on October 16, 2024 (PR Newswire)
Sep-18-24 09:00AM	Synchrony's CareCredit Network Expands to First-Ever Major Grocery Store Chain Collaboration With Albertsons Companies (PR Newswire)
Sep-17-24 04:05PM	Synchrony Names Dan Colao to Board of Directors (PR Newswire)
04:05PM	JPMorgan Chase Could Take Over Apple Credit Cards From Goldman, WSJ Reports (Investopedia)
Sep-10-24 12:30PM	Ally Financial Warns Borrowers Are Struggling From Inflation and Jobs Slowdown; Stock Drops (The Wall Street Journal)
Sep-03-24 04:00PM	Synchrony to Participate in the Barclays Global Financial Services Conference (PR Newswire)
Aug-28-24 09:30AM	Unlock Even More Savings with Verizon Visa Card (GlobeNewswire)
Aug-27-24 05:30AM	The Office Therapist Will See You Now (The Wall Street Journal)
Aug-19-24 09:51PM	Analyst Report: Synchrony Financial (Morningstar Research)
Jul-31-24 05:09PM	Analyst Report: Synchrony Financial (Morningstar Research)
09:00AM	Synchrony Marks a Decade of Impact by Championing Responsible Access to Credit for Americans (PR Newswire)
Jul-23-24 04:30PM	Synchrony Announces Quarterly Common Stock Dividend of $0.25 Per Share (PR Newswire)
Jul-18-24 09:05AM	Coast Raises $40 Million Series B to Accelerate Adoption of Modern Fleet Payments (PR Newswire)
09:00AM	Synchrony's CareCredit Selected as Preferred Financing Solution for The Veterinary Cooperative (PR Newswire)
Jul-17-24 12:45PM	Analyst Report: Synchrony Financial (Morningstar Research)
12:31PM	Heard on the Street: Lenders to Consumers Have Tightened Their Belts, Too (The Wall Street Journal)
06:00AM	Synchrony Reports Second Quarter 2024 Results (PR Newswire)
Jul-15-24 10:36AM	Can Synchrony (SYF) Navigate Rising Costs in Q2 Earnings? (Zacks)
Jul-12-24 09:15AM	Unlocking Q2 Potential of Synchrony (SYF): Exploring Wall Street Estimates for Key Metrics (Zacks)
Jul-10-24 10:00AM	Synchrony (SYF) Expected to Beat Earnings Estimates: Can the Stock Move Higher? (Zacks)
08:20AM	7 Stocks That Will Benefit the Most From Coming Rate Cuts (InvestorPlace)
Jul-07-24 05:30AM	People Are Feeling Stuck in Their Jobs. Bosses Are Starting to Worry. (The Wall Street Journal)
Jun-28-24 05:21PM	S&P 500 Gains and Losses Today: Nike Stock Loses Air After Weak Sales Report (Investopedia) +6.69%
Jun-27-24 01:34PM	Synchrony (SYF) Boosts Financing Options With Atlanticus (Zacks)
Jun-26-24 09:50AM	Here's Why Synchrony (SYF) is a Strong Momentum Stock (Zacks)
09:00AM	Synchrony Selects Atlanticus for Preferred Second Look Financing Program (PR Newswire)
Jun-25-24 01:02PM	Synchrony (SYF), LG Electronics to Enhance ESS Financing Options (Zacks)
Jun-20-24 08:00AM	Synchrony to Announce Second Quarter 2024 Financial Results on July 17, 2024 (PR Newswire)
Jun-19-24 01:53PM	Synchrony Ranked Second Among Best Companies to Work For India 2024 (PR Newswire)
09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
Jun-18-24 10:42AM	Why You Should Retain Synchrony (SYF) Stock in Your Portfolio (Zacks)
Jun-17-24 06:23PM	Apple Is Shutting Down Its Buy Now, Pay Later Service (The Wall Street Journal)
Jun-15-24 08:00AM	Apple Gives Banks a Bigger Bite of Its Payment Features (The Wall Street Journal)
Jun-05-24 11:40AM	Synchrony (SYF) & IME to Enhance Home Improvement Solutions (Zacks)
Jun-04-24 09:00AM	Synchrony Partners with Installation Made Easy to Help Homeowners Finance Home Improvements (PR Newswire)
Jun-03-24 09:40AM	Why Synchrony (SYF) is a Top Value Stock for the Long-Term (Zacks)
May-29-24 08:00AM	Synchrony to Participate in Two Upcoming Investor Conferences (PR Newswire)
May-24-24 11:31AM	Synchrony (SYF) Down 4% Since Last Earnings Report: Can It Rebound? (Zacks)
May-22-24 08:00AM	Virgin Red Announces New Multi-Year Partnership with Synchrony and Mastercard to Launch U.S. Credit Card Program (PR Newswire)
May-16-24 09:00AM	Reflecting on a Decade of Impact, Synchrony Celebrates Strength from Diversity (PR Newswire)
May-14-24 09:00AM	New Synchrony Study Reveals Consumers May Not Recognize Hearing Loss Symptoms and Potential for Treatment (PR Newswire)
May-13-24 09:50AM	Why Synchrony (SYF) is a Top Momentum Stock for the Long-Term (Zacks)
May-10-24 11:15PM	Morningstar \| A Weekly Summary of Stock Ideas and Developments in the Companies We Cover (Morningstar Research)
May-09-24 02:44PM	Analyst Report: Synchrony Financial (Morningstar Research)
09:00AM	SYNCHRONY SKILLS ACADEMY AND THE KNOWLEDGE HOUSE PREPARE UNDERSERVED ADULTS FOR THE DIGITAL ECONOMY (PR Newswire)
May-02-24 09:00AM	Synchrony Extends Partnership with Affordable Care Offering CareCredit to Patients (PR Newswire)
Apr-30-24 09:40AM	Here's Why Synchrony (SYF) is a Strong Value Stock (Zacks)
09:00AM	Synchrony and ServiceTitan Join Forces to Streamline Home Improvement Financing (PR Newswire)
Apr-25-24 02:02PM	Synchrony Financial (NYSE:SYF) Q1 2024 Earnings Call Transcript (Insider Monkey)
Apr-24-24 02:11PM	Synchrony (SYF) Q1 Earnings Miss on Low Net Interest Margin (Zacks) +5.04%
11:10AM	Analyst Report: Synchrony Financial (Morningstar Research)
09:30AM	Compared to Estimates, Synchrony (SYF) Q1 Earnings: A Look at Key Metrics (Zacks)
07:05AM	Synchrony (SYF) Q1 Earnings and Revenues Lag Estimates (Zacks)
06:13AM	Synchrony Reports First Quarter 2024 Results; Company also Announces Quarterly Stock Dividends and Approval of an Incremental $1.0 Billion Share Repurchase Program (PR Newswire)
Apr-22-24 09:16AM	Ahead of Synchrony (SYF) Q1 Earnings: Get Ready With Wall Street Estimates for Key Metrics (Zacks)
Apr-19-24 10:20AM	Will Rising Expenses Impact Synchrony's (SYF) Q1 Earnings? (Zacks)
Apr-18-24 09:00AM	Synchrony Expands Dental Payment Offerings with Adit Practice Management Software Partnership (PR Newswire)
Apr-17-24 10:01AM	Synchrony (SYF) Earnings Expected to Grow: Should You Buy? (Zacks)
Apr-09-24 01:42PM	Synchrony (SYF), BRP to Enhance Retail Financing Options (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
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
Wenzel Brian J. Sr.	See remarks	Aug 19 '24	Option Exercise	29.33	8,490	249,012	150,949	Aug 19 05:21 PM
Wenzel Brian J. Sr.	See remarks	Aug 19 '24	Sale	46.73	74,698	3,490,638	76,251	Aug 19 05:21 PM
Wenzel Brian J. Sr.	Officer	Aug 19 '24	Proposed Sale	46.73	74,698	3,490,638		Aug 19 12:21 PM
Schaller Bart	See remarks	Aug 01 '24	Sale	50.84	930	47,281	49,390	Aug 05 06:40 PM
Juel Carol	See remarks	Aug 01 '24	Sale	50.84	443	22,522	66,259	Aug 05 06:40 PM
Schaller Bart	Officer	Aug 01 '24	Proposed Sale	50.84	930	47,281		Aug 01 03:22 PM
Nalluswami Maran	Officer	Aug 01 '24	Proposed Sale	50.84	346	17,591		Aug 01 02:23 PM
Juel Carol	Officer	Aug 01 '24	Proposed Sale	50.84	443	22,522		Aug 01 11:35 AM
Howse Curtis	See remarks	May 02 '24	Sale	45.00	31,562	1,420,290	121,042	May 06 04:33 PM

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SYF

Synchrony Financial

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