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Ticker
SYF

Price
72.31
Stock movement up
+0.93 (1.30%)
Company name
Synchrony Financial
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Credit Services
Market cap
25.13B
Ent value
112.49B
Price/Sales
1.31
Price/Book
1.50
Div yield
1.66%
Div growth
5.50%
Growth years
4
FCF payout
5.18%
Trailing P/E
7.08
Forward P/E
6.92
PEG
-
EPS growth
33.46%
1 year return (CAGR)
12.84%
3 year return (CAGR)
25.89%
5 year return (CAGR)
14.27%
10 year return (CAGR)
11.44%
Last updated: 2026-02-24

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.20
Dividend yield1.66%
Payout frequencyQuarterly
Maximum yield3.65%
Average yield2.26%
Minimum yield1.36%
Discount to avg yield-36.02%
Upside potential-26.48%
Yield as % of max yield45.42%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield1.66%
Current yield distribution85.48%
Yield at 100% (Min)1.36%
Yield at 90%1.59%
Yield at 80%1.75%
Yield at 50% (Median)2.18%
Yield at 20%2.79%
Yield at 10%3.07%
Yield at 0% (Max)3.65%

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 date6 Feb 2026
EPS (TTM)9.93
EPS (1y forward)10.45
EPS growth (5y)33.46%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
SYFS&P500
DGR MR20.00%-13.74%
DGR TTM20.00%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 announced310 days
EPS growth (5y)33.46%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM14.36%5.18%
Average--
Forward11.48%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E7.08
Price to OCF2.55
Price to FCF2.55
Price to EBITDA2.91
EV to EBITDA13.03

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.31
Price to Book1.50
EV to Sales5.88

FINANCIALS

Per share

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Per share data
Current share count347.60M
EPS (TTM)9.93
FCF per share (TTM)27.53

Income statement

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Income statement data
Revenue (TTM)19.12B
Gross profit (TTM)9.76B
Operating income (TTM)4.62B
Net income (TTM)3.55B
EPS (TTM)9.93
EPS (1y forward)10.45

Margins

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Margins data
Gross margin (TTM)51.04%
Operating margin (TTM)24.17%
Profit margin (TTM)18.58%

Balance Sheet

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Balance Sheet data
Cash14.97B
Net receivables0.00
Total current assets17.32B
Goodwill1.36B
Intangible assets1.25B
Property, plant and equipment0.00
Total assets119.09B
Accounts payable0.00
Short/Current long term debt15.18B
Total current liabilities81.14B
Total liabilities102.33B
Shareholder's equity16.77B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)9.85B
Capital expenditures (TTM)0.00
Free cash flow (TTM)9.85B
Dividends paid (TTM)510.00M

Financial returns

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Financial returns data
Return on Equity21.19%
Return on Assets2.98%
Return on Invested Capital11.12%
Cash Return on Invested Capital30.83%

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STOCK INFORMATION

Stock chart

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Stock price data
Open70.60
Daily high73.39
Daily low70.54
Daily Volume4.12M
All-time high88.47
1y analyst estimate90.04
Beta1.40
EPS (TTM)9.93
Dividend per share1.20
Ex-div date6 Feb 2026
Next earnings date21 Apr 2026

Downside potential

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Downside potential data
SYFS&P500
Current price drop from All-time high-18.27%-1.82%
Highest price drop-68.17%-56.47%
Date of highest drop23 Mar 20209 Mar 2009
Avg drop from high-18.40%-10.84%
Avg time to new high22 days12 days
Max time to new high774 days1805 days

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COMPANY DETAILS
SYF (Synchrony Financial) company logo
Marketcap
25.13B
Marketcap category
Large-cap
Description
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.
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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