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

NON_CLASSIFIED

Primary listing

NYSE

Industry

Consumer Finance

Employees

20,000

SYF Metrics

BasicAdvanced
$26B
8.37
$8.44
-
$1.05
1.70%

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 strong third-quarter earnings in 2024, with net earnings of $789 million and an upward revision of its full-year EPS guidance, indicating robust financial health. (investing.com)
Analysts have raised their price targets for Synchrony Financial, with Baird increasing its target to $62 and maintaining an 'Outperform' rating, reflecting confidence in the company's performance. (investing.com)
U.S. consumers are reducing spending due to high inflation, which could negatively impact Synchrony Financial's credit card business. (reuters.com)
The company is facing uncertainties related to the Consumer Financial Protection Bureau's late fee rule litigation, which could affect its operations and profitability. (investing.com)
Analysts have expressed concerns about potential declines in purchase volume and credit performance, with expectations of a low single-digit decline in purchase volume for Q4 2024. (investing.com)
Data summarised monthly by Lightyear AI. Last updated on 12 Jul 2025.

SYF Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

SYF Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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