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SYF

Synchrony Financial

May 23 • 04:00PM ET

56.74

Dollar change -0.72
Percentage change -1.25	%

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 XLF RSP VOE

Scroll to Statements

Index	S&P 500	P/E	7.79	EPS (ttm)	7.28	Insider Own	0.46%	Shs Outstand	380.54M	Perf Week	-6.68%
Market Cap	21.60B	Forward P/E	6.52	EPS next Y	8.71	Insider Trans	-23.29%	Shs Float	378.91M	Perf Month	9.28%
Income	2.88B	PEG	0.49	EPS next Q	1.58	Inst Own	101.82%	Short Float	4.51%	Perf Quarter	-6.32%
Sales	19.60B	P/S	1.10	EPS this Y	17.00%	Inst Trans	2.35%	Short Ratio	3.46	Perf Half Y	-10.86%
Book/sh	40.36	P/B	1.41	EPS next Y	13.11%	ROA	2.44%	Short Interest	17.08M	Perf Year	26.65%
Cash/sh	56.82	P/C	1.00	EPS next 5Y	15.97%	ROE	18.60%	52W Range	40.54 - 70.93	Perf YTD	-12.71%
Dividend Est.	1.14 (2.01%)	P/FCF	2.20	EPS past 5Y	8.99%	ROI	8.75%	52W High	-20.01%	Beta	1.43
Dividend TTM	1.05 (1.85%)	Quick Ratio	-	Sales past 5Y	7.68%	Gross Margin	79.27%	52W Low	39.94%	ATR (14)	1.91
Dividend Ex-Date	May 05, 2025	Current Ratio	-	EPS Y/Y TTM	4.96%	Oper. Margin	23.73%	RSI (14)	53.08	Volatility	2.13% 2.49%
Employees	20000	Debt/Eq	1.03	Sales Y/Y TTM	1.22%	Profit Margin	14.70%	Recom	1.96	Target Price	64.05
Option/Short	Yes / Yes	LT Debt/Eq	0.99	EPS Q/Q	-39.82%	Payout	11.69%	Rel Volume	0.45	Prev Close	57.46
Sales Surprise	-1.51%	EPS Surprise	12.86%	Sales Q/Q	-19.41%	Earnings	Apr 22 BMO	Avg Volume	4.94M	Price	56.74
SMA20	0.34%	SMA50	7.13%	SMA200	-0.89%	Trades		Volume	2,218,846	Change	-1.25%

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

Show Previous Ratings

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)
09:40AM	Loading…
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	Loading…
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)
07:10AM	Synchrony (SYF) Surpasses Q1 Earnings Estimates (Zacks)
06:00AM	Synchrony Reports First Quarter 2025 Results; Company also Announces Quarterly Common Stock Dividend of $0.30 Per Share and Approval of a $2.5 Billion Share Repurchase Program (PR Newswire)
12:36PM	Loading…
Apr-21-25 12:36PM	Can Discover Financial Beat Q1 Earnings on PULSE Strength? (Zacks)
11:32AM	IB & Trading to Aid Raymond James' Q2 Earnings, High Costs to Hurt (Zacks)
10:37AM	Can Synchrony Beat Q1 Earnings Estimates on Improving Margin? (Zacks)
Apr-18-25 08:46AM	These 3 Stocks Have Huge Last 12 Months Shareholder Yields (MarketBeat)
Apr-17-25 09:00AM	Synchrony Extends Long-Standing Partnership with American Eagle Outfitters, Inc. (PR Newswire)
Apr-16-25 10:01AM	Virtu Financial (VIRT) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
09:15AM	What Analyst Projections for Key Metrics Reveal About Synchrony (SYF) Q1 Earnings (Zacks)
Apr-15-25 01:25PM	Synchrony Extends Deal With Ashley to Offer Enhanced Financing Options (Zacks)
10:00AM	Synchrony (SYF) Earnings Expected to Grow: Should You Buy? (Zacks)
Apr-14-25 09:00AM	Synchrony and Ashley Celebrate Nearly 15 Years of Helping Consumers Furnish Their Homes (PR Newswire)
Apr-10-25 06:40PM	Analyst Report: Synchrony Financial (Morningstar Research) -7.63%
Apr-09-25 06:30PM	Analyst Report: Synchrony Financial (Morningstar Research) +15.17%
12:47PM	Synchrony Partners With Adobe Commerce to Enhance Merchant Financing (Zacks)
Apr-08-25 12:05PM	Moon Capital Management Q1 2025 Client Letter (Seeking Alpha)
11:21AM	Synchrony Offers A Lot Of Value (Seeking Alpha)
10:24AM	Synchrony Announces Integration with Adobe Commerce to Support Merchants with Innovative Financing Options (PR Newswire)
10:11AM	Should You Buy Synchrony Stock After Wall Street Ups Earnings View? (Zacks)
Apr-03-25 06:42PM	Analyst Report: Synchrony Financial (Morningstar Research) -15.42% -5.91%
09:00AM	Synchrony Empowers Women in Auto Care with $25,000 Donation (PR Newswire)
Apr-02-25 12:21PM	Synchrony Announces More Than $1.5 Million in Grants to Stamford Nonprofits, Joins Mayor Simmons to Celebrate Spring with Daffodil Blooms (PR Newswire)
10:06AM	Synchrony Named No. 2 Best Company to Work For (PR Newswire)
09:27AM	Visa Offers Apple Millions to Get Credit Card Network Ops, Report Says (Investopedia)
07:50AM	5 Things to Know Before the Stock Market Opens (Investopedia)
Apr-01-25 08:00AM	Synchrony to Announce First Quarter 2025 Financial Results on April 22, 2025 (PR Newswire)
Mar-31-25 02:44PM	SPLG: S&P 500 Dashboard For April (Seeking Alpha)
Mar-27-25 05:00AM	The Zacks Analyst Blog Highlights Synchrony Financial, Target, American Express, Capital One Financial (Zacks)
Mar-26-25 11:40AM	SYF vs. SOFI: Which Stock Is the Better Value Option? (Zacks)
10:16AM	Can the U.S. Economy Bounce Back Despite Consumer Spending Concerns? (Zacks)
Mar-24-25 04:23PM	Top Analyst Reports for Roche, Comcast & Eaton (Zacks)
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)
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)
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)
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)

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
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
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

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SYF

Synchrony Financial

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