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SYFSynchrony Financial
$76.77$26.7B
Overview & Verdict
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SYF logoSynchrony Financial(SYF)Earnings, Financials & Key Ratios

SYF•NYSE
$76.77
8.3× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutSynchrony 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 cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, 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, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.Show more
  • EBITDA$5.13B+2.0%
  • Net Income$3.55B+1.5%
  • EPS (Diluted)9.29+8.7%
  • Gross Margin51.04%+12.8%
  • EBITDA Margin26.86%+10.8%
  • Operating Margin24.17%+10.2%
  • Net Margin18.58%+10.2%
  • ROE21.3%-7.2%

SYF Price & Volume

Synchrony Financial (SYF) stock price & volume — 10-year historical chart

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Synchrony Financial Navigates Volatile Credit Margin Cycles

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regulatory late fee compression

Key Thesis Takeaways

  • Synchrony Financial demonstrates a resilient cash-generative model, yet investors should remain cautious regarding the impact of regulatory late fee compression on high-margin revenue streams.
  • While the firm maintains a robust capital base with $16.5 billion in equity as of 2026Q1, earnings volatility driven by CECL accounting provisions necessitates a disciplined valuation approach.
  • The company's aggressive capital return strategy, evidenced by $900 million in quarterly share repurchases, suggests management confidence despite the inherent cyclicality of the consumer credit sector.

Verdict Logic

while the stock trades at a low 8.47 P/E multiple, the potential for regulatory-driven revenue compression and earnings volatility warrants a cautious stance until margin stability is proven.

SYF Growth Metrics

Synchrony Financial (SYF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.8%
5 Years8.31%
3 Years13.15%
TTM-

Profit CAGR

10 Years4.84%
5 Years20.73%
3 Years5.6%
TTM21.5%

EPS CAGR

10 Years13.36%
5 Years32.56%
3 Years14.74%
TTM32.65%

Return on Capital

10 Years11.6%
5 Years13.51%
3 Years11.26%
Last Year12.27%

SYF Recent Earnings

Synchrony Financial (SYF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$2.27+3.2%
$2.20
Rev
$3.7B-2.4%
$3.8B
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$2.07+1.0%
$2.05
Rev
$3.8B-1.2%
$3.8B
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$2.86+26.5%
$2.26
Rev
$4.8B+27.3%
$3.8B
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$2.50+37.4%
$1.82
Rev
$4.7B+27.1%
$3.7B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$2.27vs $2.20+3.2%
$3.7Bvs $3.8B-2.4%
Q1 2026Jan 27, 2026
$2.07vs $2.05+1.0%
$3.8Bvs $3.8B-1.2%
Q4 2025Oct 15, 2025
$2.86vs $2.26+26.5%
$4.8Bvs $3.8B+27.3%
Q3 2025Jul 22, 2025
$2.50vs $1.82+37.4%
$4.7Bvs $3.7B+27.1%
Based on last 12 quarters of dataView full earnings history →

Latest SYF News

Recent stock market news and headlines for Synchrony Financial (SYF)

Seeking Alpha·Jun 29, 2026
Synchrony Financial: A Resilient Preferred For Rate Uncertainty

Synchrony Financial offers Series B fixed-rate reset preferreds, SYF.PR.B, with an 8.25% coupon, currently yielding ~8.04% at trading a slight premium to par. SYF.PR.B manages the interest rate risk versus fixed-rate preferreds, with coupon resetting in May 2029 to the five-year Treasury plus 4.044%. Synchrony's strong credit profile features a ~$15.25B common equity cushion and ~40x preferred dividend coverage, supporting preferred holders' security.

Seeking Alpha·Jun 26, 2026
Synchrony Financial Fixed-Rate Preferred: Attractive Yield At A Discount, Uncertain Rate Outlook

Synchrony Financial fixed-rate preferred offers a ~7.54% yield, trading at a discount due to higher market rates. SYF.PR.A enjoys strong dividend coverage (~40x quarterly, ~43x annual), strong capital ratios, and qualified dividend treatment for enhanced after-tax yield. Interest rate trajectory remains the primary risk; upside is capped at par, but discount mitigates call risk and allows for rate-reversal participation.

PRNewsWire·Jun 23, 2026
Synchrony to Announce Second Quarter 2026 Financial Results on July 21, 2026

STAMFORD, Conn., June 23, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its second quarter 2026 results on Tuesday, July 21, 2026.

PYMNTS·Jun 23, 2026
Synchrony Moves Dental Financing Beyond the Credit Score

Watch more: Synchrony SMB Series With Beto Casellas of Synchrony and Dr. Priveer Sharma of Sharma Oral Surgery  A patient sits in the chair needing an implant or a set of extractions and can't pay for it up front.

Peers Comparison

Key metrics vs top competitors for Synchrony Financial (SYF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SYF logoSYFSynchrony FinancialCurrent
$76.77$26.68B8.26-7.91%18.58%21.3%1.55%
COF logoCOFCapital One Financial Corporation
$206.50$128.5B51.2428.39%4.29%2.86%—
BFH logoBFHBread Financial Holdings, Inc.
$103.52$4.18B9.45-2.06%11.9%17.08%—
ALLY logoALLYAlly Financial Inc.
$46.23$14.17B19.51-25.75%8.92%9.19%—
MA logoMAMastercard Incorporated
$533.10$471.91B32.2716.42%45.88%205.79%—
V logoVVisa Inc.
$357.25$685.37B35.0211.34%51.68%58.9%—

Compare SYF vs Peers

Synchrony Financial (SYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs COF

Most directly comparable listed peer for SYF.

Scale Benchmark

vs AMZN

Larger-name benchmark to compare SYF against a more recognizable public peer.

Peer Set

Compare Top 5

vs COF, BFH, ALLY, MA

SYF SEC Filings & Documents

Synchrony Financial (SYF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Apr 21, 2026·SEC

Material company update

Mar 10, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 6, 2026·SEC

10-Q Quarterly Reports

4
FY 2026

Apr 23, 2026·SEC

FY 2025

Oct 22, 2025·SEC

FY 2025

Jul 23, 2025·SEC

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SYF Frequently Asked Questions

Synchrony Financial (SYF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Synchrony Financial's revenue?

Synchrony Financial (SYF) reported $19.91B in revenue for fiscal year 2025.

How fast is Synchrony Financial growing?

Synchrony Financial (SYF) saw revenue decline by 7.9% over the past year.

Is SYF profitable?

Yes, Synchrony Financial (SYF) is profitable, generating $3.60B in net income for fiscal year 2025 (18.6% net margin).

Dividend & Returns
Does SYF pay dividends?

Yes, Synchrony Financial (SYF) pays a dividend with a yield of 1.55%. This makes it attractive for income-focused investors.

What is SYF's return on equity?

Synchrony Financial (SYF) has a return on equity (ROE) of 21.3%. This is excellent, indicating efficient use of shareholder capital.

What is Synchrony Financial's free cash flow?

Synchrony Financial (SYF) generated $9.83B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in SYF back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →