S

    Synchrony Financial (SYF)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $77.08
    -0.97 (-1.24%)

    Market Cap: $25.40B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    80%(32/40)
    Avg Surprise
    +8.04%
    Streak
    6 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$2.35
    Range$2.24 - $2.54
    16 analysts
    EPS RevisionsNo revisions (7d)
    0
    16
    30d
    EPS Estimate Drift
    90d ago$2.59+10.4%
    60d ago$2.60+10.7%
    30d ago$2.59+10.1%
    7d ago$2.36+0.7%
    Current$2.35
    Revenue Consensus
    $3.8B
    Range$3.8B - $3.9B
    12 analysts
    Dec 31, 2026
    EPS Consensus$2.73
    Range$2.62 - $2.91
    19 analysts
    Revenue Consensus
    $3.9B
    Range$3.7B - $4.1B
    16 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.73---
    Sep 26EST
    		-$2.35---
    Jun 26
    		$2.59$2.08+24.52%Beat+3.6%
    Mar 26
    		$2.27$2.16+5.09%Beat+20.1%
    Dec 25
    		$2.18$2.02+7.92%Beat+14.1%
    Sep 25
    		$2.86$2.21+29.41%Beat+47.4%
    Jun 25
    		$2.50$1.79+39.66%Beat+61.3%
    Mar 25
    		$1.89$1.65+14.55%Beat+60.2%
    Dec 24
    		$1.91$1.92-0.52%Miss+61.9%
    Sep 24
    		$1.94$1.82+6.59%Beat+31.1%
    Jun 24
    		$1.55$1.37+13.14%Beat+17.4%
    Mar 24
    		$1.18$1.37-13.87%Miss-12.6%
    Dec 23
    		$1.18$0.95+24.21%Beat-6.3%
    Sep 23
    		$1.48$1.44+2.78%Beat+0.7%
    Jun 23
    		$1.32$1.26+4.76%Beat-17.5%
    Mar 23
    		$1.35$1.45-6.90%Miss-23.7%
    Dec 22
    		$1.26$1.12+12.50%Beat-6.0%
    Sep 22
    		$1.47$1.39+5.76%Beat-12.0%
    Jun 22
    		$1.60$1.38+15.94%Beat-24.5%
    Mar 22
    		$1.77$1.54+14.94%Beat+2.3%
    Dec 21
    		$1.34$1.41-4.96%Miss+8.1%
    Sep 21
    		$1.67$1.46+14.38%Beat+165.1%
    Jun 21
    		$2.12$1.36+55.88%Beat+3433.3%
    Mar 21
    		$1.73$1.38+25.36%Beat+284.4%
    Dec 20
    		$1.24$0.86+44.19%Beat+12.7%
    Sep 20
    		$0.63$0.69-8.70%Miss-48.4%
    Jun 20
    		$0.06N/A-70.00%Miss-93.8%
    Mar 20
    		$0.45$0.66-31.82%Miss-55.0%
    Dec 19
    		$1.10$1.07+2.80%Beat+0.9%
    Sep 19
    		$1.22$1.13+7.96%Beat+34.1%
    Jun 19
    		$0.97$0.96+1.04%Beat+5.4%
    Mar 19
    		$1.00$0.90+11.11%Beat+20.5%
    Dec 18
    		$1.09$0.93+17.20%Beat+55.7%
    Sep 18
    		$0.91$0.80+13.75%Beat+30.0%
    Jun 18
    		$0.92$0.82+12.20%Beat+50.8%
    Mar 18
    		$0.83$0.76+9.21%Beat+36.1%
    Dec 17
    		$0.70$0.64+9.38%Beat+0.0%
    Sep 17
    		$0.70$0.64+9.38%Beat-4.1%
    Jun 17
    		$0.61$0.57+7.02%Beat-
    Mar 17
    		$0.61$0.74-17.57%Miss-
    Dec 16
    		$0.70$0.67+4.48%Beat-
    Sep 16
    		$0.73$0.67+8.96%Beat-

    Dividends

    Dividend Metrics

    Yield1.61%
    Annual/Share$1.24
    Payout Ratio11.47%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+8.51%
    5Y CAGR+5.50%
    View SYF's full dividend history

    Key Metrics

    Valuation
    P/E Ratio7.79EV/EBITDAN/A
    Price/FCF2.59xFCF Yield38.65%
    Profitability
    Profit Margin35.50%Operating Margin50.20%
    ROE20.80%ROIC14.21%
    Financial Health
    Debt/Equity0.97xInterest Coverage1.58x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.31Avg Volume3.18M
    52-Week High$87.6752-Week Low$62.55

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$79.20
    SMA 20$79.26
    SMA 50$76.45
    SMA 200$74.57
    EMA 10$78.92
    EMA 20$78.55
    EMA 50$76.77
    EMA 200$73.45

    MACD

    Line: 0.76Signal: 1.16Hist: -0.40

    ADX

    ADX: 14.7+DI: 19.0-DI: 26.7

    Aroon & PSAR

    Aroon Up60.0
    Aroon DownN/A
    PSAR$81.09

    Bollinger Bands

    Upper Band$81.64
    Lower Band$76.87
    %B Position601%(Upper)
    Band Width0.04

    RSI (14-Day)

    Neutral
    46.4

    Momentum Oscillators

    Stoch %K43.1
    Stoch %D57.5
    Williams %R-77.3
    ROC (10d)-4.5%
    Momentum-3.67
    CCI (20d)-152.0
    MFI (14d)47.1

    Volatility Measures

    ATR (14d)$2.01(2.6%)
    StdDev (20d)1.19
    Hist Vol24.5%(Moderate)

    Volume Flow

    VWAP$77.19
    OBV82.3M
    AD Line-1.2B
    CMF (20d)-0.099

    Volume Metrics

    Avg Vol (20d)3.2M
    Vol Ratio1.4x
    VWMA (20d)$79.22

    Pivot Points

    R3$82.81
    R2$81.85
    R1$79.95
    Pivot Point$78.99
    S1$77.09
    S2$76.13
    S3$74.23

    Advanced Oscillators

    TSI10.27
    Ultimate Osc44.3
    KST53.65

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$2.52B$2.36B$3.95B$3.82B$2.50B$2.23B$3.80B$3.81B$3.71B$4.80B$4.95B$3.48B
    Cost of RevenueN/A$968.00M$2.42B$2.16B$2.21B$2.58B$2.68B$2.77B$2.87B$3.05B$2.89B$2.48B
    Gross ProfitN/A$4.63B$2.35B$2.68B$2.50B$2.23B$2.24B$2.22B$2.02B$1.84B$1.85B$1.99B
    Operating Expenses$1.33B$1.32B$1.40B$1.25B$1.25B$1.24B$1.27B$1.19B$1.18B$1.21B$1.32B$1.15B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$914.00M$952.00M$1.43B$1.26B$984.00M$973.00M$1.03B$844.00M$1.71B$539.00M$833.00M
    Interest Income$5.58B$5.60B$5.73B$5.73B$5.59B$5.55B$5.71B$5.79B$5.58B$5.57B$5.55B$5.35B
    Interest Expense$975.00M$968.00M$973.00M$1.01B$1.06B$1.09B$1.12B$1.18B$1.18B$1.16B$-1,124,000,000$992.00M
    Income Before Tax$1.19B$1.05B$952.00M$1.43B$1.26B$984.00M$973.00M$1.03B$844.00M$1.71B$539.00M$833.00M
    Income Tax Expense$301.00M$242.00M$201.00M$352.00M$289.00M$227.00M$199.00M$239.00M$201.00M$415.00M$99.00M$205.00M
    Net Income$885.00M$805.00M$751.00M$1.08B$967.00M$757.00M$774.00M$789.00M$643.00M$1.29B$440.00M$628.00M
    EBITDA$1.33B$1.19B$2.69B$1.56B$1.38B$1.11B$1.09B$1.15B$965.00M$1.83B$3.75B$949.00M
    EBIT$1.19B$1.05B$2.55B$1.43B$1.26B$984.00M$973.00M$1.03B$844.00M$1.71B$3.63B$833.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Synchrony Financial stock underperforms Wednesday when compared to competitors

    Shares of Synchrony Financial (SYF) fell 1.23% to $79.78 on Wednesday, underperforming the broader stock market as both the S&P 500 Index and Dow Jones Industrial Average also saw declines. This drop ended a three-day winning streak for the company's stock.

    MarketWatch•8/26/26•
    Somewhat-Bearish

    Synchrony Financial stock holds firm after Q2 beat

    Synchrony Financial reported strong Q2 results with EPS of $2.59 on $3.72 billion in revenue, beating analyst expectations. The company also raised its quarterly dividend to $0.34, demonstrating continued earnings power and financial discipline. With a market capitalization of $26.30 billion, the stock remains stable at $80.78, reflecting positive investor sentiment.

    Ad-hoc-news.de•8/26/26•
    Bullish

    2,024,943 Shares in Synchrony Financial $SYF Acquired by Man Group plc

    Man Group plc recently acquired a significant new stake of 2,024,943 shares in Synchrony Financial ($SYF), valued at approximately $153,997,000, making them owners of 0.62% of the company. Other institutional investors also adjusted their holdings, while Synchrony Financial reported strong Q2 earnings, beating analyst estimates, and increased its quarterly dividend. Analysts maintain a "Moderate Buy" rating on the stock with an average target price of $87.78.

    MarketBeat•8/26/26•
    Bullish

    Commerce Bank Acquires Shares of 25,405 Synchrony Financial $SYF

    Commerce Bank has purchased 25,405 shares of Synchrony Financial (NYSE:SYF) during the second quarter, valued at approximately $1.93 million. Other institutional investors also adjusted their holdings in SYF, with 96.48% of the stock now owned by institutional investors and hedge funds. Synchrony Financial recently reported strong earnings, topping analyst estimates, and increased its quarterly dividend.

    MarketBeat•8/26/26•
    Bullish

    108,337 Shares in Synchrony Financial $SYF Purchased by L2 Asset Management LLC

    L2 Asset Management LLC recently acquired 108,337 shares of Synchrony Financial (NYSE:SYF) valued at approximately $8.24 million, making it a significant position in their portfolio. This purchase reflects a broader trend of institutional investment in Synchrony Financial, with several other major firms also increasing their stakes. The article details Synchrony Financial's recent stock performance, financial results, and analyst ratings, indicating a "Moderate Buy" consensus and an average target price of $87.89.

    MarketBeat•8/25/26•
    Bullish

    Frequently Asked Questions About SYF

    What is SYF's current dividend yield?
    Synchrony Financial (SYF) has a current dividend yield of 1.61%.
    Does SYF pay dividends?
    Yes, Synchrony Financial pays dividends with a current yield of 1.61%.
    What is SYF's P/E ratio?
    Synchrony Financial has a price-to-earnings (P/E) ratio of 7.79.
    What is SYF's market cap?
    Synchrony Financial (SYF) has a market capitalization of $25.40B with a current stock price of $77.08.

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