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Synchrony Financial (SYF) is a financial services company in the credit services industry with $9.91B in trailing revenue trading at a 7.5× trailing P/E — analyst consensus: buy.
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Key Statistics
Market Cap
$23.73B
Revenue (TTM)
$9.91B
EPS (TTM)
$9.75
EPS (Fwd est.)
$10.46
Employees
20,000
Trailing P/E
7.48
Forward P/E
6.98
PEG Ratio
0.88
Price / Sales
2.40
Price / Book
1.56
Beta (5Y)
1.31
Analyst Consensus
Consensus
Buy
Analyst Price Target
+22.6% upside
Target: $89.43
Annual Revenue & Net Income
RevenueNet Income
'22
$11.67B
$3.02B
'23
$13.63B
$2.24B
'24
$15.06B
$3.50B
'25
$14.98B
$3.55B
Earnings History
Quarter
Actual EPS
Estimate
Result
Jul 2026
$2.59
$2.13
Beat (+21.9%)
Apr 2026
$2.27
$2.16
Beat (+5.1%)
Jan 2026
$2.18
$2.02
Beat (+7.8%)
Oct 2025
$2.86
$2.21
Beat (+29.3%)
Next Earnings Report
Synchrony Financial is next expected to report earnings on 20 Oct 2026.
Profitability
0.0%
50.2%
35.5%
Gross MarginOperating MarginNet Margin
Revenue Growth (YoY)
0.6%
Return on Equity
20.8%
Return on Assets
2.9%
Balance Sheet
Cash & Equivalents
$16.19B
Total Debt
$16.43B
Net Position
$240.00M (net debt)
Share Ownership
Institutions 109.3%
Insiders 0.3%
Institutional figure exceeds 100% due to short selling
Dividend
Annual Rate
$1.36
Yield
1.86%
Payout Ratio
12.3%
Ex-Dividend Date
05 Aug 2026
5Y Avg Yield
2.16%
Frequently Asked Questions
What does Synchrony Financial (SYF) do?
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products…
What is SYF's market cap?
Synchrony Financial has a market capitalization of approximately $23.73B.
What is SYF's P/E ratio?
Synchrony Financial trades at a trailing P/E ratio of 7.5x and a forward P/E of 7.0x, which is below the broad market average of ~25x.
How much revenue does SYF generate?
Synchrony Financial generated $9.91B in trailing 12-month revenue.
What do analysts say about SYF?
The analyst consensus rating for Synchrony Financial is buy, with a mean price target of $89.43. That implies +22.6% upside from the current price.
When does SYF report earnings?
Synchrony Financial is next scheduled to report earnings on 20 Oct 2026.
Does SYF pay a dividend?
Yes. Synchrony Financial pays a dividend with a current yield of 1.86%, at an annual rate of $1.36 per share.
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