
Synchrony Financial
SYFNYSEFinancial ServicesFinancial - Credit Services
Previous close
$79.47
+$2.76 · +3.60%
SYF company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
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 websiteSynchrony 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 19.12B USD | 20.76B USD | 17.34B USD | 13.2B USD | 11.22B USD |
| Cost of goods sold | 9.36B USD | 11.37B USD | 9.68B USD | 4.9B USD | 1.76B USD |
| Gross profit | 9.76B USD | 9.39B USD | 7.66B USD | 8.3B USD | 9.47B USD |
| Selling, general, and administrative | 2.6B USD | 2.35B USD | 2.41B USD | 2.17B USD | 1.99B USD |
| Operating expenses | 5.14B USD | 4.84B USD | 4.76B USD | 4.34B USD | 3.96B USD |
| Interest income | 22.6B USD | 22.65B USD | 20.71B USD | 17.15B USD | 15.27B USD |
| Interest expense | 4.14B USD | 4.63B USD | 3.71B USD | 1.52B USD | 1.03B USD |
| Depreciation and amortization | 514M USD | 481M USD | 458M USD | 419M USD | 390M USD |
| Operating income | 4.62B USD | 4.55B USD | 2.9B USD | 3.96B USD | 5.5B USD |
| Net income | 3.55B USD | 3.5B USD | 2.24B USD | 3.02B USD | 4.22B 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$88.11
10.87% upsideRating distribution
41 ratingsSYF news
SYF peers
ETFs holding SYF
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI812.97M0.04%2.3T USD0.03%$378.24+0.44%
Vanguard S&P 500 ETFVOO668.95M0.04%1.7T USD0.03%$703.71+0.39%
Vanguard Morningstar Mid-Cap ETFVO552.69M0.24%224.7B USD0.03%$82.97+0.53%
First Trust Rising Dividend Achievers ETFRDVY465.09M1.84%25.43B USD0.47%$81.95+0.55%
iShares Core S&P 500 ETFIVV347.82M0.04%891.84B USD0.03%$769.31+0.39%
State Street SPDR S&P 500 ETFSPY320.91M0.04%817.87B USD0.09%$765.72+0.41%
Vanguard Morningstar Value ETFVTV243.38M0.09%256.5B USD0.03%$226.4+0.54%
Invesco S&P 500 Equal Weight ETFRSP206.02M0.21%100.27B USD0.20%$221.67+0.63%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 812.97M
- Weight
- 0.04%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Vanguard S&P 500 ETFVOO- Market value
- 668.95M
- Weight
- 0.04%
- AUM
- 1.7T USD
- Expense ratio
- 0.03%
- Price / 1D
- $703.71+0.39%
Vanguard Morningstar Mid-Cap ETFVO- Market value
- 552.69M
- Weight
- 0.24%
- AUM
- 224.7B USD
- Expense ratio
- 0.03%
- Price / 1D
- $82.97+0.53%
First Trust Rising Dividend Achievers ETFRDVY- Market value
- 465.09M
- Weight
- 1.84%
- AUM
- 25.43B USD
- Expense ratio
- 0.47%
- Price / 1D
- $81.95+0.55%
iShares Core S&P 500 ETFIVV- Market value
- 347.82M
- Weight
- 0.04%
- AUM
- 891.84B USD
- Expense ratio
- 0.03%
- Price / 1D
- $769.31+0.39%
State Street SPDR S&P 500 ETFSPY- Market value
- 320.91M
- Weight
- 0.04%
- AUM
- 817.87B USD
- Expense ratio
- 0.09%
- Price / 1D
- $765.72+0.41%
Vanguard Morningstar Value ETFVTV- Market value
- 243.38M
- Weight
- 0.09%
- AUM
- 256.5B USD
- Expense ratio
- 0.03%
- Price / 1D
- $226.4+0.54%
Invesco S&P 500 Equal Weight ETFRSP- Market value
- 206.02M
- Weight
- 0.21%
- AUM
- 100.27B USD
- Expense ratio
- 0.20%
- Price / 1D
- $221.67+0.63%
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