Synchrony Financial (SYF)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 75.80 $ — 49% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 17.4% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 22
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 9.38 | 9.25 – 9.77 | 15,194 | -0.5% | 19 |
| 12/31/2027 | 10.46 | 9.91 – 11.98 | 15,999 | 11.9% | 23 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 2.39 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.90 | 81.00 | 4,919 | 3.70 | 15.70 | 2,353 | 2,353 |
| 2025: Q1 | 1.94 | -38.60 | 4,804 | -1.80 | 15.80 | 2,200 | 2,200 |
| 2025: Q2 | 2.55 | 59.70 | 4,712 | -3.60 | 20.50 | 2,560 | 2,560 |
| 2025: Q3 | 2.84 | 42.70 | 4,834 | -3.10 | 22.30 | 2,637 | 2,637 |
| 2025: Q4 | 2.10 | 10.50 | 4,766 | -3.10 | 15.80 | 2,454 | 2,454 |
| 2026: Q1 | 2.33 | 19.70 | 5,603 | 16.60 | 14.40 | 2,183 | 2,183 |
| 2026: Q2 | 2.59 | 1.60 | – | – | – | 2,420 | 2,420 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 12,220 | 3,570 | 2,251 | 2.71 | 6,823 | 14,196 | 90,207 |
| 2017 | 13,758 | 3,324 | 1,935 | 2.42 | 8,916 | 14,234 | 95,808 |
| 2018 | 15,154 | 3,644 | 2,790 | 3.74 | 9,342 | 14,678 | 106,792 |
| 2019 | 15,603 | 4,887 | 3,747 | 5.56 | 8,990 | 15,088 | 104,826 |
| 2020 | 12,827 | 1,797 | 1,385 | 2.37 | 7,487 | 12,701 | 95,948 |
| 2021 | 11,224 | 5,503 | 4,221 | 8.01 | 7,099 | 13,655 | 95,748 |
| 2022 | 13,195 | 3,962 | 3,016 | 6.24 | 6,694 | 12,873 | 104,564 |
| 2023 | 17,338 | 2,904 | 2,238 | 5.50 | 8,593 | 13,903 | 117,479 |
| 2024 | 20,759 | 4,553 | 3,499 | 8.73 | 9,848 | 16,580 | 119,463 |
| 2025 | 19,116 | 4,621 | 3,552 | 9.93 | 9,851 | 16,766 | 119,095 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Synchrony Financial ist mit ihren Tochtergesellschaften ein Verbraucher-Finanzdienstleister in den USA. Das Unternehmen bietet Kreditprodukte wie Kreditkarten, gewerbliche Kreditprodukte und Ratenkredite für Verbraucher an.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 20,000 |
| Headquarters | Stamford, CT |
| Address | 777 Long Ridge Road, 06902 Stamford, United States |
| Phone | 203 585 2400 |
| Website | synchrony.com |
| IPO Date | 31. Jul 2014 |
| ISIN | US87165B1035 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Brian D. Doubles | President, CEO & Director | 1976 |
| Brian J. Wenzel Sr. | Executive VP & CFO | 1968 |
| Jonathan S. Mothner Esq., J.D. | Executive VP and Chief Risk & Legal Officer | 1964 |
| Carol D. Juel | Executive VP & CEO of Digital Platform | 1973 |
| Curtis Howse | Executive VP and CEO of Home & Auto | 1964 |
| D.J. Casto | Executive VP and Chief People & Operations Officer | – |
| Amy L. Tiliakos | Senior VP, Chief Accounting Officer & Controller | 1983 |
| Florin Arghirescu | Executive VP & CTO | – |
| Kathryn Harmon Miller | Senior Vice President & Director of Investor Relations | – |
| Alberto Casellas | Executive VP and CEO of Health & Wellness | 1967 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Doubles Brian D | See remarks | Other | 2,353 | 77.12 | 181,463 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.