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NYSEFinancial ServicesFinancial - Credit Services
Latest quote
$79.92
+$0.07 · +0.09%
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.
Previous close
$79.92
+$0.07 · +0.09%
After-hours
$79.92
$0.00 · 0.00%
Sep 4, 7:30 PM ET
Regular session · ET · Market data may be delayed.
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.
Day range
Current $79.92
52-week range
Current $79.92
Regular session · ET · Market data may be delayed.
AI-powered factor overview
GoAI Score
Buy
Favorable setup — positive multi-factor alignment
Valuation
98
Deep Value
Sentiment
72
Bullish
Risk
42
Elevated Risk
Momentum
39
Weakening
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $79.92
52-week range
Current $79.92
Profitability as a percentage of reported revenue.
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 Sep 5, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$88.30
10.49% upsideCash distributions grouped by calendar year; partial years are marked.
$1.15
2025 complete year+30.7% since 2021
2026 partial: $0.94
$0.88
2,021
$0.90
2,022
$0.96
2,023
$1.00
2,024
$1.15
2,025
$0.94
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 5, 2026 | $0.34Quarterly | Aug 5, 2026 | Aug 17, 2026 |
Dividend | May 5, 2026 | $0.30Quarterly | May 5, 2026 | May 15, 2026 |
Dividend | Feb 6, 2026 | $0.30Quarterly | Feb 6, 2026 | Feb 17, 2026 |
Dividend | Nov 5, 2025 | $0.30Quarterly | Nov 5, 2025 | Nov 17, 2025 |
Dividend | Aug 5, 2025 | $0.30Quarterly | Aug 5, 2025 | Aug 15, 2025 |
Dividend | May 5, 2025 | $0.30Quarterly | May 5, 2025 | May 15, 2025 |
Ex-dividend Aug 5, 2026
$0.34
Quarterly
Record Aug 5, 2026 · Payment Aug 17, 2026
Ex-dividend May 5, 2026
$0.30
Quarterly
Record May 5, 2026 · Payment May 15, 2026
Ex-dividend Feb 6, 2026
$0.30
Quarterly
Record Feb 6, 2026 · Payment Feb 17, 2026
Ex-dividend Nov 5, 2025
$0.30
Quarterly
Record Nov 5, 2025 · Payment Nov 17, 2025
Ex-dividend Aug 5, 2025
$0.30
Quarterly
Record Aug 5, 2025 · Payment Aug 15, 2025
Ex-dividend May 5, 2025
$0.30
Quarterly
Record May 5, 2025 · Payment May 15, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI812.97M0.04%2.3T USD0.03%$379.73-0.32%
Vanguard S&P 500 ETFVOO668.95M0.04%1.7T USD0.03%$708.01-0.38%
Vanguard Morningstar Mid-Cap ETFVO552.69M0.24%224.7B USD0.03%$82.28-0.20%
First Trust Rising Dividend Achievers ETFRDVY489.23M1.90%25.7B USD0.47%$82.04-0.09%
iShares Core S&P 500 ETFIVV342.53M0.04%878.68B USD0.03%$773.92-0.41%
State Street SPDR S&P 500 ETFSPY325.38M0.04%817.33B USD0.09%$770.19-0.39%
Vanguard Morningstar Value ETFVTV243.38M0.09%256.5B USD0.03%$226.46-0.25%
Invesco S&P 500 Equal Weight ETFRSP217.83M0.22%100.92B USD0.20%$219-0.48%Vanguard Morningstar Total Stock Market ETFVTIVanguard S&P 500 ETFVOOVanguard Morningstar Mid-Cap ETFVOFirst Trust Rising Dividend Achievers ETFRDVYiShares Core S&P 500 ETFIVVState Street SPDR S&P 500 ETFSPYVanguard Morningstar Value ETFVTVInvesco S&P 500 Equal Weight ETFRSPAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
