Synchrony Financial logo

Synchrony Financial

SYF

NYSEFinancial ServicesFinancial - Credit Services

Previous close

$79.47

+$2.76 · +3.60%

Aug 21, 4:00 PM ET

SYF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

98

Deep Value

Momentum

39

Weakening

Sentiment

72

Bullish

Risk resilience

58

Elevated Risk

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Company profile

Company website

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Brian D. Doubles
Listed since
Jul 31, 2014
Employees
20,000

Market position

Day range

Current $79.47

52-week range

Current $79.47

Open
$77.55
Previous close
$76.71
Volume
4M
1.06× average
Average volume
3.77M
Average daily volume
Market cap
25.86B USD
Beta
1.31
Market reference 1
50-day average
$76.0314
+4.52% above average
200-day average
$74.8313
+6.20% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
30.06B USD
EV / EBITDA
5.85×
Earnings yield
11.90%
Free cash flow yield
33.00%

Profitability & efficiency

Return on equity
21.19%
Return on assets
2.98%
Return on invested capital
9.36%

Financial health

Current ratio
0.21×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%63%34%6%Gross margin, FY2021: 84.34%Gross margin, FY2022: 62.90%Gross margin, FY2023: 44.19%Gross margin, FY2024: 45.24%Gross margin, FY2025: 51.04%Operating margin, FY2021: 49.03%Operating margin, FY2022: 30.03%Operating margin, FY2023: 16.75%Operating margin, FY2024: 21.93%Operating margin, FY2025: 24.17%Net margin, FY2021: 37.61%Net margin, FY2022: 22.86%Net margin, FY2023: 12.91%Net margin, FY2024: 16.86%Net margin, FY2025: 18.58%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 84.34%. Gross margin FY2022 62.90%. Gross margin FY2023 44.19%. Gross margin FY2024 45.24%. Gross margin FY2025 51.04%. Operating margin FY2021 49.03%. Operating margin FY2022 30.03%. Operating margin FY2023 16.75%. Operating margin FY2024 21.93%. Operating margin FY2025 24.17%. Net margin FY2021 37.61%. Net margin FY2022 22.86%. Net margin FY2023 12.91%. Net margin FY2024 16.86%. Net margin FY2025 18.58%.

Income trends

Revenue

19.12B USD-7.91%

Operating income

4.62B USD+1.49%

Net income

3.55B USD+1.51%
Income trends across reported periods22.61B USD15.2B USD7.79B USD385.9M USDRevenue, FY2021: 11.22B USDRevenue, FY2022: 13.2B USDRevenue, FY2023: 17.34B USDRevenue, FY2024: 20.76B USDRevenue, FY2025: 19.12B USDOperating income, FY2021: 5.5B USDOperating income, FY2022: 3.96B USDOperating income, FY2023: 2.9B USDOperating income, FY2024: 4.55B USDOperating income, FY2025: 4.62B USDNet income, FY2021: 4.22B USDNet income, FY2022: 3.02B USDNet income, FY2023: 2.24B USDNet income, FY2024: 3.5B USDNet income, FY2025: 3.55B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 11.22B USD. Revenue FY2022 13.2B USD. Revenue FY2023 17.34B USD. Revenue FY2024 20.76B USD. Revenue FY2025 19.12B USD. Operating income FY2021 5.5B USD. Operating income FY2022 3.96B USD. Operating income FY2023 2.9B USD. Operating income FY2024 4.55B USD. Operating income FY2025 4.62B USD. Net income FY2021 4.22B USD. Net income FY2022 3.02B USD. Net income FY2023 2.24B USD. Net income FY2024 3.5B USD. Net income FY2025 3.55B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue19.12B USD20.76B USD17.34B USD13.2B USD11.22B USD
Cost of goods sold9.36B USD11.37B USD9.68B USD4.9B USD1.76B USD
Gross profit9.76B USD9.39B USD7.66B USD8.3B USD9.47B USD
Selling, general, and administrative2.6B USD2.35B USD2.41B USD2.17B USD1.99B USD
Operating expenses5.14B USD4.84B USD4.76B USD4.34B USD3.96B USD
Interest income22.6B USD22.65B USD20.71B USD17.15B USD15.27B USD
Interest expense4.14B USD4.63B USD3.71B USD1.52B USD1.03B USD
Depreciation and amortization514M USD481M USD458M USD419M USD390M USD
Operating income4.62B USD4.55B USD2.9B USD3.96B USD5.5B USD
Net income3.55B USD3.5B USD2.24B USD3.02B USD4.22B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+11.20%
11 comparable reports
Latest EPS result
2.59
Estimate 2.14 · Beat by 21.03%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.972.52.031.56Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 1.91, estimate 1.93, surprise -1.04%, Miss. Q2 2025, reported Apr 22, 2025: actual 1.89, estimate 1.67, surprise +13.17%, Beat. Q3 2025, reported Jul 22, 2025: actual 2.5, estimate 1.82, surprise +37.36%, Beat. Q4 2025, reported Oct 15, 2025: actual 2.86, estimate 2.26, surprise +26.55%, Beat. Q1 2026, reported Jan 27, 2026: actual 2.07, estimate 2.05, surprise +0.98%, Beat. Q2 2026, reported Apr 21, 2026: actual 2.27, estimate 2.2, surprise +3.18%, Beat. Q3 2026, reported Jul 21, 2026: actual 2.59, estimate 2.14, surprise +21.03%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 2.38, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates5.93B5.11B4.29B3.47BQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 3.8B USD, estimate 3.83B USD, surprise -0.73%, Miss. Q2 2025, reported Apr 22, 2025: actual 5.7B USD, estimate 3.78B USD, surprise +50.96%, Beat. Q3 2025, reported Jul 22, 2025: actual 4.71B USD, estimate 3.71B USD, surprise +27.13%, Beat. Q4 2025, reported Oct 15, 2025: actual 4.83B USD, estimate 3.8B USD, surprise +27.30%, Beat. Q1 2026, reported Jan 27, 2026: actual 3.79B USD, estimate 3.84B USD, surprise -1.19%, Miss. Q2 2026, reported Apr 21, 2026: actual 3.7B USD, estimate 3.79B USD, surprise -2.39%, Miss. Q3 2026, reported Jul 21, 2026: actual 3.72B USD, estimate 3.72B USD, surprise -0.18%, Miss. Q4 2026, reported Oct 21, 2026: actual —, estimate 3.82B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$88.11

10.87% upside
Past 12 months12-month forecastHigh $104Average $88.11Low $80.00

Rating distribution

41 ratings
Strong buy00%
Buy2561%
Hold1537%
Sell00%
Strong sell12%

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