/SYF
Synchrony Financial
SYF • NYSESYF • NYSE • Financial Services
$66.67-3.33%-2.30
$66.67-3.33%(-2.30)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
64Low Risk
Momentum
24Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
51.0%▲5.8pp
Revenue after COGS
Operating
24.2%▲2.2pp
After operating expenses
Net
18.6%▲1.7pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
8.4
Price vs earnings
EV/EBITDA
5.9
Enterprise value
FCF Yield
33.0%
Cash generation
Earnings Yield
11.9%
Inverse of P/E
Capital Efficiency
12
GoAI Quality ScoreFair
ROEReturn on Equity
21.2%Strong
ROAReturn on Assets
3.0%Fair
ROICReturn on Invested Capital
9.4%Fair
Financial Health
Current RatioWeak
0.21
Short-term solvency (>1.5)
Net Debt / EBITDAManageable
0.04x
Debt repayment capacity (<3x)
Income QualityStrong
2.77
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $19.12B | $20.76B | $17.34B | $13.20B | $11.22B |
| Gross Profit | $9.76B | $9.39B | $7.66B | $8.30B | $9.47B |
| Gross Margin | 51.0% | 45.2% | 44.2% | 62.9% | 84.3% |
| Operating Income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B |
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B |
| Net Margin | 18.6% | 16.9% | 12.9% | 22.9% | 37.6% |
| EPS | $9.35 | $8.64 | $5.21 | $6.19 | $7.40 |
Average Price Target
$90.08▲ 35.1% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Synchrony Financial, the average price target is $90.08, with a high forecast of $100.00 and a low forecast of $81.00. The average price target represents a 35.1% increase from the current price of $66.67.
Highest
$100.00
Average
$90.08
Lowest
$81.00
Rating Distribution
Strong Buy
0
0%
Buy
26
63%
Hold
14
34%
Sell
0
0%
Strong Sell
1
2%
Recent Analyst Ratings
FirmActionRatingDate
Baird▲ Upgrade
Neutral→Outperform
2026-02-13Truist Securities● Maintain
Hold
2026-01-29Barclays● Maintain
Overweight
2026-01-28BTIG● Maintain
Buy
2026-01-28JP Morgan● Maintain
Neutral
2026-01-28RBC Capital● Maintain
Sector Perform
2026-01-28JP Morgan● Maintain
Neutral
2026-01-12TD Cowen● Maintain
Buy
2026-01-08Barclays● Maintain
Overweight
2026-01-06Wells Fargo● Maintain
Overweight
2026-01-05Earnings History & Surprises
BEAT RATE
78%
Last 18 quarters
AVG SURPRISE
+10.5%
EPS vs Estimate
BEATS / MISSES
14/3
1 met exactly
LATEST EPS
$2.18
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+8.5%
$2.18 vs $2.01
Q4 '25
+26.5%
$2.86 vs $2.26
Q3 '25
+37.4%
$2.50 vs $1.82
Q2 '25
+13.2%
$1.89 vs $1.67
Q1 '25
-1.0%
$1.91 vs $1.93
Q4 '24
+8.4%
$1.94 vs $1.79
Q3 '24
+14.8%
$1.55 vs $1.35
Q2 '24
-11.9%
$1.18 vs $1.34
Q1 '24
+10.8%
$1.03 vs $0.93
Q4 '23
+3.5%
$1.48 vs $1.43
Q3 '23
+6.5%
$1.32 vs $1.24
Q2 '23
-7.5%
$1.35 vs $1.46
No investor questions available.
Latest News
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