SYF
Synchrony Financial
71.90$
-0.3%
vs. previous close
Closing price · As of: Oct 7, 2026
Statements
Ratios
Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.
Tick rows to compare them in a chart (up to 4)
| Line item | Q3 16 | Q4 16 | Q1 17 | Q2 17 | Q3 17 | Q4 17 | Q1 18 | Q2 18 | Q3 18 | Q4 18 | Q1 19 | Q2 19 | Q3 19 | Q4 19 | Q1 20 | Q2 20 | Q3 20 | Q4 20 | Q1 21 | Q2 21 | Q3 21 | Q4 21 | Q1 22 | Q2 22 | Q3 22 | Q4 22 | Q1 23 | Q2 23 | Q3 23 | Q4 23 | Q1 24 | Q2 24 | Q3 24 | Q4 24 | Q1 25 | Q2 25 | Q3 25 | Q4 25 | Q1 26 | Q2 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||||||||||||||||||||||||||||||||
| 10.5 | 13.3 | 12.9 | 11.1 | 11.6 | 15.6 | 12.4 | 11.1 | 9.6 | 6.1 | 6.9 | 7.0 | 5.9 | 6.1 | 3.3 | 6.1 | 11.1 | 14.7 | 11.3 | 8.5 | 6.7 | 6.0 | 4.4 | 3.7 | 4.1 | 4.9 | 4.6 | 5.8 | 5.3 | 6.9 | 6.0 | 6.3 | 6.3 | 7.3 | 7.0 | 7.7 | 7.5 | 8.4 | 6.5 | 7.2 | |
| 2.0 | 2.4 | 2.2 | 1.8 | 1.8 | 2.2 | 1.8 | 1.8 | 1.6 | 1.1 | 1.5 | 1.5 | 1.4 | 1.5 | 0.6 | 0.9 | 1.1 | 1.6 | 1.9 | 2.3 | 2.1 | 1.7 | 1.2 | 0.8 | 0.8 | 0.9 | 0.8 | 0.9 | 0.8 | 0.9 | 1.0 | 1.0 | 1.0 | 1.3 | 1.1 | 1.3 | 1.4 | 1.6 | 1.2 | 1.3 | |
| 1.7 | 2.1 | 2.0 | 1.7 | 1.7 | 2.1 | 1.8 | 1.8 | 1.6 | 1.2 | 1.5 | 1.6 | 1.5 | 1.5 | 0.8 | 1.1 | 1.3 | 1.6 | 1.8 | 2.0 | 2.0 | 1.8 | 1.3 | 1.0 | 1.0 | 1.1 | 0.9 | 1.1 | 0.9 | 1.1 | 1.2 | 1.2 | 1.2 | 1.5 | 1.2 | 1.5 | 1.6 | 1.8 | 1.4 | 1.5 | |
| 3.6 | 5.0 | 3.9 | 3.5 | 3.8 | 4.4 | 3.9 | 3.7 | 4.0 | 2.1 | 2.0 | 2.1 | 2.0 | 2.7 | 1.3 | 0.9 | 1.3 | 1.9 | 1.8 | 2.5 | 2.3 | 2.2 | 1.4 | 1.0 | 1.0 | 1.3 | 0.9 | 1.0 | 0.8 | 1.2 | 0.9 | 0.9 | 0.9 | 1.3 | 0.8 | 1.3 | 1.3 | 1.6 | 1.0 | 1.6 | |
| 11.3 | 16.1 | 13.5 | 12.2 | 14.0 | 16.8 | 15.0 | 14.1 | 15.4 | 8.0 | 6.9 | 6.9 | 5.9 | 8.1 | 4.7 | 4.1 | 8.1 | 11.3 | 6.6 | 6.1 | 4.8 | 4.7 | 3.2 | 2.6 | 2.8 | 3.9 | 3.0 | 3.9 | 3.5 | 6.4 | 3.9 | 4.1 | 3.8 | 5.2 | 3.7 | 5.2 | 4.9 | 5.9 | 3.7 | 5.8 | |
| 3.5 | 4.4 | 4.0 | 3.3 | 2.9 | 3.4 | 2.8 | 2.7 | 2.5 | 1.8 | 2.3 | 2.5 | 2.4 | 2.6 | 1.2 | 1.5 | 2.0 | 2.7 | 3.1 | 4.1 | 3.9 | 3.5 | 2.7 | 1.9 | 1.9 | 2.2 | 1.7 | 1.9 | 1.6 | 1.8 | 2.0 | 2.0 | 2.0 | 2.6 | 2.1 | 2.6 | 2.8 | 3.0 | 2.4 | 2.6 | |
| 28.7% | 22.8% | 25.2% | 30.6% | 34.5% | 29.5% | 35.2% | 37.4% | 40.2% | 55.1% | 43.0% | 39.9% | 40.9% | 39.2% | 84.2% | 66.7% | 50.5% | 36.8% | 32.6% | 24.3% | 26.0% | 28.2% | 36.8% | 51.4% | 51.6% | 45.3% | 57.6% | 51.3% | 64.2% | 55.3% | 50.9% | 50.2% | 49.6% | 38.4% | 47.6% | 39.1% | 36.1% | 33.0% | 41.8% | 38.1% | |
| Margins | ||||||||||||||||||||||||||||||||||||||||
| 58.2% | 57.2% | 55.1% | 54.0% | 52.6% | 51.4% | 51.4% | 51.8% | 51.2% | 51.1% | 54.3% | 55.0% | 57.5% | 58.5% | 52.5% | 47.6% | 43.9% | 45.6% | 62.7% | 77.7% | 90.1% | 96.0% | 95.3% | 95.7% | 96.7% | 87.6% | 75.7% | 62.2% | 47.3% | 44.2% | 41.5% | 40.6% | 40.7% | 42.3% | 44.4% | 47.3% | 50.1% | 51.0% | 52.1% | 52.3% | |
| 29.8% | 29.2% | 27.2% | 26.4% | 25.0% | 24.2% | 24.1% | 24.5% | 24.0% | 24.0% | 27.5% | 28.3% | 31.1% | 31.3% | 25.0% | 19.0% | 13.2% | 14.0% | 21.3% | 35.0% | 41.0% | 62.0% | 67.4% | 65.1% | 66.0% | 45.3% | 35.5% | 26.1% | 19.1% | 16.7% | 20.9% | 20.7% | 21.1% | 23.1% | 19.5% | 21.8% | 24.1% | 24.2% | 24.7% | 24.3% | |
| 18.7% | 18.4% | 17.2% | 16.7% | 15.9% | 14.1% | 14.8% | 16.0% | 16.3% | 18.4% | 21.0% | 21.5% | 23.7% | 24.0% | 19.2% | 14.7% | 10.2% | 10.8% | 16.6% | 26.9% | 31.4% | 29.1% | 27.6% | 22.5% | 19.4% | 18.7% | 16.7% | 15.2% | 14.6% | 12.9% | 16.0% | 15.8% | 16.2% | 17.8% | 15.1% | 16.9% | 18.6% | 18.6% | 19.0% | 18.6% | |
| 56.3% | 55.8% | 56.1% | 56.6% | 63.3% | 64.8% | 64.7% | 66.5% | 63.1% | 61.6% | 62.8% | 60.0% | 57.6% | 57.6% | 54.0% | 59.9% | 57.5% | 58.4% | 60.8% | 55.6% | 54.6% | 49.0% | 44.6% | 43.0% | 40.8% | 41.5% | 44.8% | 45.0% | 49.9% | 49.6% | 48.9% | 50.2% | 50.3% | 50.0% | 50.0% | 50.8% | 50.6% | 51.5% | 51.8% | 51.1% | |
| Returns | ||||||||||||||||||||||||||||||||||||||||
| 15.9% | 15.9% | 15.1% | 15.2% | 14.8% | 13.6% | 14.5% | 15.7% | 17.1% | 19.0% | 22.1% | 23.2% | 25.1% | 24.8% | 24.4% | 17.8% | 11.4% | 10.9% | 15.8% | 23.4% | 29.7% | 30.8% | 30.7% | 27.5% | 25.0% | 23.4% | 20.4% | 18.3% | 17.3% | 16.1% | 19.2% | 19.3% | 19.8% | 21.1% | 17.9% | 19.4% | 20.9% | 21.2% | 21.8% | 20.8% | |
| 2.5% | 2.5% | 2.4% | 2.4% | 2.3% | 2.0% | 2.2% | 2.3% | 2.3% | 2.6% | 3.1% | 3.2% | 3.6% | 3.6% | 3.0% | 2.2% | 1.4% | 1.4% | 2.2% | 3.6% | 4.5% | 4.4% | 4.3% | 3.9% | 3.2% | 2.9% | 2.5% | 2.3% | 2.1% | 1.9% | 2.4% | 2.5% | 2.7% | 2.9% | 2.4% | 2.7% | 3.1% | 3.0% | 3.0% | 2.9% | |
| Balance Sheet & Debt | ||||||||||||||||||||||||||||||||||||||||
| 18,990 | 30,973 | 21,235 | 20,893 | 25,883 | 29,996 | 28,986 | 27,767 | 35,414 | 14,600 | 8,928 | 9,489 | 8,902 | 19,540 | 9,706 | -275 | 2,219 | 4,251 | -1,460 | 2,357 | 2,966 | 6,174 | 2,819 | 2,359 | 3,242 | 5,604 | 1,231 | 1,525 | -412 | 5,948 | -1,013 | -1,020 | -2,127 | 751 | -4,620 | -873 | -1,814 | 209 | -4,131 | 4,589 | |
| 5.1 | 8.2 | 5.8 | 5.7 | 7.2 | 8.4 | 7.9 | 7.4 | 9.3 | 3.7 | 2.0 | 2.0 | 1.7 | 3.7 | 2.3 | -0.1 | 1.0 | 2.0 | -0.4 | 0.5 | 0.5 | 0.9 | 0.4 | 0.4 | 0.6 | 1.1 | 0.3 | 0.4 | -0.1 | 1.8 | -0.2 | -0.2 | -0.5 | 0.1 | -1.1 | -0.2 | -0.4 | 0.0 | -0.8 | 0.9 | |
| 16.0% | 15.7% | 16.1% | 15.7% | 15.6% | 14.9% | 15.0% | 14.6% | 13.4% | 13.7% | 14.0% | 13.8% | 14.3% | 14.4% | 12.2% | 12.3% | 12.6% | 13.2% | 14.0% | 15.4% | 15.2% | 14.3% | 14.1% | 14.1% | 12.9% | 12.3% | 12.2% | 12.3% | 12.2% | 11.8% | 12.6% | 12.9% | 13.4% | 13.9% | 13.6% | 14.1% | 14.6% | 14.1% | 13.6% | 13.9% | |
| 2.3 | 2.8 | 2.3 | 2.3 | 2.8 | 2.9 | 2.9 | 3.0 | 3.4 | 1.6 | 1.5 | 1.4 | 1.3 | 2.1 | 2.0 | 1.4 | 1.3 | 1.2 | 1.1 | 0.9 | 0.9 | 1.1 | 1.0 | 1.0 | 1.2 | 1.2 | 1.3 | 1.1 | 1.1 | 1.5 | 1.2 | 1.1 | 1.0 | 0.9 | 1.0 | 1.1 | 0.8 | 0.9 | 1.0 | 1.2 | |
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| 2.68 | 2.73 | 2.65 | 2.69 | 2.69 | 2.47 | 2.70 | 3.00 | 3.24 | 3.87 | 4.59 | 4.97 | 5.74 | 5.88 | 4.82 | 3.63 | 2.36 | 2.36 | 3.62 | 5.70 | 7.31 | 7.75 | 7.92 | 7.43 | 6.91 | 6.72 | 6.27 | 5.86 | 5.74 | 5.50 | 7.18 | 7.46 | 7.98 | 8.86 | 7.61 | 8.67 | 9.42 | 9.93 | 10.40 | 10.53 | |
| 14.28 | 14.83 | 15.42 | 16.13 | 16.95 | 17.55 | 18.22 | 18.81 | 19.82 | 21.02 | 21.84 | 23.11 | 24.22 | 24.47 | 25.12 | 24.71 | 23.01 | 21.87 | 21.82 | 21.19 | 23.26 | 26.68 | 28.76 | 33.02 | 35.69 | 35.94 | 37.45 | 38.66 | 39.37 | 42.61 | 44.82 | 47.17 | 49.21 | 49.87 | 50.34 | 51.24 | 50.79 | 53.42 | 54.85 | 56.75 | |
| 16.83 | 17.23 | 17.58 | 17.75 | 18.21 | 18.16 | 18.64 | 19.07 | 18.94 | 20.36 | 20.75 | 21.46 | 22.85 | 23.66 | 19.71 | 20.36 | 20.69 | 21.65 | 22.87 | 24.41 | 24.64 | 25.15 | 25.83 | 27.04 | 27.64 | 28.68 | 30.79 | 32.00 | 33.27 | 34.17 | 37.44 | 38.60 | 40.30 | 42.00 | 42.58 | 44.72 | 44.98 | 46.85 | 47.62 | 50.57 | |
| 8.04 | 8.28 | 8.66 | 9.13 | 10.72 | 11.37 | 11.79 | 12.50 | 12.50 | 12.96 | 13.71 | 13.86 | 13.95 | 14.10 | 13.56 | 14.81 | 13.23 | 12.76 | 13.26 | 11.77 | 12.70 | 13.07 | 12.81 | 14.20 | 14.55 | 14.91 | 16.77 | 17.40 | 19.63 | 21.12 | 21.94 | 23.67 | 24.75 | 24.94 | 25.17 | 26.05 | 25.70 | 27.53 | 28.42 | 29.02 | |
Showing the most recent 40 periods — older statements are on file for this stock.
Data as of: October 7, 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.