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    S

    Synchrony Financial (SYF)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $74.07
    +2.35 (+3.28%)

    Market Cap: $23.94B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +8.02%
    Streak
    6 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$2.40
    Range$2.29 - $2.55
    16 analysts
    EPS Revisions
    1
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$2.59-7.3%
    60d ago$2.35+2.3%
    30d ago$2.35+2.3%
    7d ago$2.37+1.4%
    Current$2.40
    Revenue Consensus
    $3.8B
    Range$3.7B - $3.9B
    9 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.76
    Range$2.56 - $3.48
    17 analysts
    Revenue Consensus
    $3.8B
    Range$3.7B - $4.1B
    13 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.76---
    Sep 26EST
    		-$2.40---
    Jun 26
    Reported Jul 21
    		$2.59$2.08+24.52%Beat+3.6%
    Mar 26
    Reported Apr 21
    		$2.27$2.16+5.09%Beat+20.1%
    Dec 25
    Reported Jan 27
    		$2.18$2.02+7.92%Beat+14.1%
    Sep 25
    Reported Oct 15
    		$2.86$2.21+29.41%Beat+47.4%
    Jun 25
    Reported Jul 22
    		$2.50$1.79+39.66%Beat+61.3%
    Mar 25
    Reported Apr 22
    		$1.89$1.65+14.55%Beat+60.2%
    Dec 24
    Reported Jan 28
    		$1.91$1.92-0.52%Miss+61.9%
    Sep 24
    Reported Oct 16
    		$1.94$1.82+6.59%Beat+31.1%
    Jun 24
    Reported Jul 17
    		$1.55$1.37+13.14%Beat+17.4%
    Mar 24
    Reported Apr 24
    		$1.18$1.37-13.87%Miss-12.6%
    Dec 23
    Reported Jan 23
    		$1.18$0.95+24.21%Beat-6.3%
    Sep 23
    Reported Oct 24
    		$1.48$1.44+2.78%Beat+0.7%
    Jun 23
    Reported Jul 18
    		$1.32$1.26+4.76%Beat-17.5%
    Mar 23
    Reported Apr 19
    		$1.35$1.45-6.90%Miss-23.7%
    Dec 22
    Reported Jan 23
    		$1.26$1.12+12.50%Beat-6.0%
    Sep 22
    Reported Oct 25
    		$1.47$1.39+5.76%Beat-12.0%
    Jun 22
    Reported Jul 18
    		$1.60$1.38+15.94%Beat-24.5%
    Mar 22
    Reported Apr 18
    		$1.77$1.54+14.94%Beat+2.3%
    Dec 21
    Reported Jan 28
    		$1.34$1.41-4.96%Miss+8.1%
    Sep 21
    Reported Oct 19
    		$1.67$1.46+14.38%Beat+165.1%
    Jun 21
    Reported Jul 20
    		$2.12$1.36+55.88%Beat+3433.3%
    Mar 21
    Reported Apr 27
    		$1.73$1.38+25.36%Beat+284.4%
    Dec 20
    Reported Jan 29
    		$1.24$0.86+44.19%Beat+12.7%
    Sep 20
    Reported Oct 20
    		$0.63$0.69-8.70%Miss-48.4%
    Jun 20
    Reported Jul 21
    		$0.06N/A-70.00%Miss-93.8%
    Mar 20
    Reported Apr 21
    		$0.45$0.66-31.82%Miss-55.0%
    Dec 19
    Reported Jan 24
    		$1.10$1.07+2.80%Beat+0.9%
    Sep 19
    Reported Oct 18
    		$1.22$1.13+7.96%Beat+34.1%
    Jun 19
    Reported Jul 19
    		$0.97$0.96+1.04%Beat+5.4%
    Mar 19
    Reported Apr 18
    		$1.00$0.90+11.11%Beat+20.5%
    Dec 18
    Reported Jan 23
    		$1.09$0.93+17.20%Beat+55.7%
    Sep 18
    Reported Oct 19
    		$0.91$0.80+13.75%Beat+30.0%
    Jun 18
    Reported Jul 27
    		$0.92$0.82+12.20%Beat+50.8%
    Mar 18
    Reported Apr 20
    		$0.83$0.76+9.21%Beat+36.1%
    Dec 17
    Reported Jan 19
    		$0.70$0.64+9.38%Beat+0.0%
    Sep 17
    Reported Oct 20
    		$0.70$0.64+9.38%Beat-
    Jun 17
    Reported Jul 21
    		$0.61$0.57+7.02%Beat-
    Mar 17
    Reported Apr 28
    		$0.61$0.74-17.57%Miss-
    Dec 16
    Reported Jan 20
    		$0.70$0.67+4.48%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.84%
    Forward Annual Dividend$1.36
    Payout Ratio11.47%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+8.51%
    5Y CAGR+5.50%
    SYF dividend history and ex-dividend datesRun SYF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio7.48EV/EBITDA3.60x
    Price/FCFN/AFCF YieldN/A
    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
    Beta1.34Avg Volume3.03M
    52-Week High$87.6752-Week Low$62.55

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$72.73
    SMA 20$72.54
    SMA 50$76.03
    SMA 200$73.81
    EMA 10$72.92
    EMA 20$73.26
    EMA 50$74.45
    EMA 200$73.38

    MACD

    Line: -0.68Signal: -1.03Hist: 0.35

    ADX

    ADX: 20.4+DI: 22.7-DI: 23.7

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down60.0
    PSAR$70.81

    Bollinger Bands

    Upper Band$75.08
    Lower Band$70.01
    %B Position698%(Upper)
    Band Width0.80

    RSI (14-Day)

    Neutral
    51.6

    Momentum Oscillators

    Stoch %K73.2
    Stoch %D72.4
    Williams %R-9.5
    ROC (10d)3.6%
    Momentum2.56
    CCI (20d)51.7
    MFI (14d)51.5

    Volatility Measures

    ATR (14d)$1.92(2.6%)
    StdDev (20d)1.27
    Hist Vol27.1%(Moderate)

    Volume Flow

    VWAP$73.28
    OBV100.2M
    AD Line-1.0B
    CMF (20d)0.096

    Volume Metrics

    Avg Vol (20d)3.1M
    Vol Ratio1.6x(High)
    VWMA (20d)$72.71

    Pivot Points

    R3$74.65
    R2$73.70
    R1$72.71
    Pivot Point$71.76
    S1$70.77
    S2$69.82
    S3$68.83

    Advanced Oscillators

    TSI-11.31
    Ultimate Osc58.8
    KST-53.63

    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 (SYF) Shares Moved, So What Is Driving Attention Now?

    Synchrony Financial (SYF) is garnering attention due to options pricing hinting at a significant move before its earnings report...

    Simply Wall Street•10/16/26•Somewhat-Bullish

    Synchrony Financial (SYF) Shares Moved, So What Is Driving Attention Now?

    Synchrony Financial (SYF) is attracting attention due to options pricing suggesting a significant move before its earnings report...

    Simply Wall Street•10/16/26•Somewhat-Bullish

    Synchrony Financial Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series News — NYSE:SYF/PB

    This article provides news on Synchrony Financial Depositary Shares, specifically those representing a 1/40th interest in a share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series...

    TradingView•10/15/26•Neutral

    Navient Corporation (NAVI) Stock Forecasts

    Argus has lowered its target price for Navient Corporation (NAVI) to $9.00. The company provides technology-enabled education finance solutions. The current price of NAVI stock is $9.56.

    Yahoo! Finance Canada•10/15/26•Somewhat-Bullish

    JPMorgan cuts target to USD 52.00 for OneMain Holdings stock

    JPMorgan has lowered its price target for OneMain Holdings (OMF) stock to USD 52.00 from USD 60.00, while maintaining an Underweight rating. This new target is 6.39 percent below the NYSE quotation of USD 55.55...

    ad-hoc-news.de•10/15/26•Neutral

    SYF Valuation and Fair Value

    P/E
    7.5x
    Forward P/E
    6.7x
    EV/EBITDA
    3.6x
    PEG
    0.9x
    P/B
    1.6x
    See GNG's fair value

    SYF Profitability: Margins, ROIC and FCF

    Operating margin
    50.2%
    Net margin
    35.5%
    ROIC
    14.2%
    ROE
    20.8%
    FCF margin
    76.6%

    SYF Competitors

    CompanyTicker
    Cincinnati Financial CorporationCINF
    Tradeweb Markets IncTW
    Citizens Financial Group, Inc.CFG
    First Citizens BancShares, Inc.FCNCA
    W. R. Berkley CorpWRB
    Principal Financial Group IncPFG
    Willis Towers Watson PLCWTW
    Regions Financial CorporationRF

    Sector: Financial Services

    SYF Analyst Ratings

    Consensus
    Buy
    Analysts
    23
    Strong Buy
    4
    Buy
    12
    Hold
    7
    Sell
    0
    Strong Sell
    0

    SYF Bull Case vs Bear Case

    Bull case

    • SYF converts 76.6% of revenue into free cash flow.
    • SYF has a 35.5% net profit margin.
    • SYF beat EPS estimates in 87.5% of its last 8 reported quarters.

    SYF Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    15.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $2.40
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    SYF Dividend

    Forward yield
    1.8%
    Payout ratio
    11.5%
    3Y DPS growth
    8.5%
    5Y DPS growth
    5.5%
    Pay months
    Feb, May, Aug, Nov
    SYF dividend history

    Frequently Asked Questions About SYF

    What is SYF's current dividend yield?

    Synchrony Financial (SYF) has a forward dividend yield of 1.84%.

    Does SYF pay dividends?

    Yes, Synchrony Financial pays dividends with a forward dividend yield of 1.84%.

    What is SYF's P/E ratio?

    Synchrony Financial has a price-to-earnings (P/E) ratio of 7.48.

    What is SYF's market cap?

    Synchrony Financial (SYF) has a market capitalization of $23.94B with a current stock price of $74.07.

    Related stocks

    Sector: Financial Services

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