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Ticker
SYF

Price
78.10
Stock movement up
+0.97 (1.26%)
Company name
Synchrony Financial
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Credit Services
Market cap
28.13B
Ent value
111.80B
Price/Sales
1.40
Price/Book
1.65
Div yield
1.54%
Div growth
5.50%
Growth years
4
FCF payout
5.76%
Trailing P/E
7.91
Forward P/E
8.40
PEG
-
EPS growth
9.44%
1 year return (CAGR)
12.42%
3 year return (CAGR)
-
5 year return (CAGR)
-
10 year return (CAGR)
-
Last updated: 2026-01-22

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.20
Dividend yield1.54%
Payout frequencyQuarterly
Maximum yield2.54%
Average yield1.70%
Minimum yield1.36%
Discount to avg yield-10.93%
Upside potential-9.85%
Yield as % of max yield60.47%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield1.54%
Current yield distribution73.60%
Yield at 100% (Min)1.36%
Yield at 90%1.46%
Yield at 80%1.51%
Yield at 50% (Median)1.65%
Yield at 20%1.88%
Yield at 10%2.06%
Yield at 0% (Max)2.54%

Dividend per share

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Dividend per share data
Years of growth4 years
CCC status-
Dividend per share1.20
Payout frequencyQuarterly
Ex-div date5 Nov 2025
EPS (TTM)9.37
EPS (1y forward)9.30
EPS growth (5y)9.44%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
SYFS&P500
DGR MR20.00%-13.74%
DGR TTM15.00%6.60%
DGR 3 years8.51%7.31%
DGR 5 years5.50%4.69%
DGR 10 years-6.30%
DGR 15 years-8.16%
Time since last change announced283 days
EPS growth (5y)9.44%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM15.81%5.76%
Average--
Forward12.91%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E7.91
Price to OCF2.89
Price to FCF2.89
Price to EBITDA3.26
EV to EBITDA12.95

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.40
Price to Book1.65
EV to Sales5.54

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FINANCIALS

Per share

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Per share data
Current share count360.17M
EPS (TTM)9.37
FCF per share (TTM)25.70

Income statement

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Income statement data
Revenue (TTM)20.16B
Gross profit (TTM)11.88B
Operating income (TTM)5.95B
Net income (TTM)3.55B
EPS (TTM)9.37
EPS (1y forward)9.30

Margins

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Margins data
Gross margin (TTM)58.94%
Operating margin (TTM)29.49%
Profit margin (TTM)17.63%

Balance Sheet

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Balance Sheet data
Cash16.25B
Net receivables89.81B
Total current assets18.96B
Goodwill1.27B
Intangible assets909.00M
Property, plant and equipment0.00
Total assets116.98B
Accounts payable0.00
Short/Current long term debt14.43B
Total current liabilities79.89B
Total liabilities99.92B
Shareholder's equity17.07B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)9.75B
Capital expenditures (TTM)0.00
Free cash flow (TTM)9.75B
Dividends paid (TTM)562.00M

Financial returns

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Financial returns data
Return on Equity20.83%
Return on Assets3.04%
Return on Invested Capital20.83%
Cash Return on Invested Capital57.13%

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STOCK INFORMATION

Stock chart

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Stock price data
Open77.86
Daily high79.52
Daily low77.44
Daily Volume3.92M
All-time high88.47
1y analyst estimate86.30
Beta1.45
EPS (TTM)9.37
Dividend per share1.20
Ex-div date5 Nov 2025
Next earnings date27 Jan 2026

Downside potential

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Downside potential data
SYFS&P500
Current price drop from All-time high-11.72%-0.89%
Highest price drop-37.97%-19.00%
Date of highest drop4 Apr 20258 Apr 2025
Avg drop from high-8.05%-2.49%
Avg time to new high8 days6 days
Max time to new high114 days89 days

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COMPANY DETAILS
SYF (Synchrony Financial) company logo
Marketcap
28.13B
Marketcap category
Large-cap
Description
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company 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 securities brokerage firms. In addition, it 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, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company 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.
Employees
20000
SEC filings
CEO
Margaret M. Keane
Country
USA
City
Stamford
Stock type
Common stock
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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