Synchrony Financial/$SYF
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About Synchrony Financial
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Ticker
$SYF
Sector
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
20,000
ISIN
US87165B1035
Website
SYF Metrics
BasicAdvanced
$25B
9.18
$7.27
1.45
$1.05
1.80%
Price and volume
Market cap
$25B
Beta
1.45
52-week high
$70.93
52-week low
$40.55
Average daily volume
3.4M
Dividend rate
$1.05
Financial strength
Dividend payout ratio (TTM)
16.03%
Profitability
Net profit margin (TTM)
34.04%
Operating margin (TTM)
46.19%
Effective tax rate (TTM)
22.62%
Revenue per employee (TTM)
$440,000
Management effectiveness
Return on assets (TTM)
2.44%
Return on equity (TTM)
18.60%
Valuation
Price to earnings (TTM)
9.177
Price to revenue (TTM)
3.003
Price to book
1.65
Price to tangible book (TTM)
1.92
Price to free cash flow (TTM)
2.69
Free cash flow yield (TTM)
37.18%
Free cash flow per share (TTM)
2,481.46%
Dividend yield (TTM)
1.57%
Forward dividend yield
1.80%
Growth
Revenue change (TTM)
0.44%
Earnings per share change (TTM)
4.77%
3-year revenue growth (CAGR)
-2.84%
3-year earnings per share growth (CAGR)
-0.53%
10-year earnings per share growth (CAGR)
10.59%
3-year dividend per share growth (CAGR)
4.35%
What the Analysts think about SYF
Analyst ratings (Buy, Hold, Sell) for Synchrony Financial stock.
Bulls say / Bears say
Synchrony Financial has reestablished its partnership with Walmart to issue Walmart-branded credit cards, potentially expanding its customer base and increasing revenue streams. (reuters.com)
The company reported a 12% increase in net profit for the second quarter of 2024, driven by higher income from loans, indicating strong financial performance. (reuters.com)
Analysts have raised Synchrony's stock price targets, with Truist Financial increasing its target to $77.00, reflecting confidence in the company's growth prospects. (marketbeat.com)
U.S. consumers are reducing spending due to high inflation, which could negatively impact Synchrony's credit card business. (reuters.com)
The company missed first-quarter profit expectations in 2024 due to high provisions tied to the acquisition of Ally Financial's point-of-sale financing unit, indicating potential challenges in integrating new assets. (reuters.com)
Wells Fargo & Company reduced its target price for Synchrony Financial from $85.00 to $70.00, suggesting concerns about the company's future performance. (marketbeat.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jun 2025.
SYF Financial Performance
Revenues and expenses
SYF Earnings Performance
Company profitability
SYF News
AllArticlesVideos
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
GlobeNewsWire·3 weeks ago
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed
CNBC·2 months ago
Wealthy consumers upped their spending last quarter, while the rest of America is cutting back
CNBC·2 months ago
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Synchrony Financial stock?
Synchrony Financial (SYF) has a market cap of $25B as of July 01, 2025.
What is the P/E ratio for Synchrony Financial stock?
The price to earnings (P/E) ratio for Synchrony Financial (SYF) stock is 9.18 as of July 01, 2025.
Does Synchrony Financial stock pay dividends?
Yes, the Synchrony Financial (SYF) stock pays dividends to shareholders. As of July 01, 2025, the dividend rate is $1.05 and the yield is 1.8%. Synchrony Financial has a payout ratio of 16.03% on a trailing twelve-month basis.
When is the next Synchrony Financial dividend payment date?
The next Synchrony Financial (SYF) dividend payment date is unconfirmed.
What is the beta indicator for Synchrony Financial?
Synchrony Financial (SYF) has a beta rating of 1.45. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.