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6Material company update
Apr 21, 2026·SEC
Material company update
Apr 21, 2026·SEC
Material company update
Mar 10, 2026·SEC
Synchrony Financial(SYF-PB)Earnings, Financials & Key Ratios
SYF-PB•NYSE
$25.90
2.8× P/E·Price updated Jul 7, 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 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, 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, mobile, and direct mail; 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, jewelry, pets, and other industries. The company 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-PB Price & Volume
Synchrony Financial (SYF-PB) stock price & volume — 10-year historical chart
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Earnings Volatility Masks Strong Cash Flow Generation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Stable
Primary Risk:Regulatory credit fee caps
Key Thesis Takeaways
- Synchrony Financial exhibits a complex fundamental profile where significant earnings volatility, evidenced by EPS fluctuations between $1.03 and $3.14, is offset by robust cash-generative capacity.
- While the company faces structural risks from potential regulatory credit fee caps, its ability to maintain a $20.6 billion cash position provides a substantial buffer for ongoing capital returns.
- Investors should monitor the interplay between provision for credit losses and net margin sustainability, as the current 14.4% net margin remains sensitive to shifting consumer repayment behaviors.
Verdict Logic
while the stock trades at a low P/E of 2.76, the inherent volatility in net income and regulatory headwinds regarding fee structures warrant a cautious approach until margin stability is proven.
SYF-PB Growth Metrics
Synchrony Financial (SYF-PB) 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-PB Recent Earnings
Synchrony Financial (SYF-PB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/4 qtrs (75%)●Beat Revenue 1/4 qtrs (25%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$2.27+3.2%
$2.20
Rev
$3.7B-2.4%
$3.8B
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$2.04-0.5%
$2.05
Rev
$3.8B-1.2%
$3.8B
Q4 2025
Oct 15, 2025Metric
Actual
Est
EPS
$2.84+25.7%
$2.26
Rev
$4.8B+27.3%
$3.8B
Q2 2025
Apr 22, 2025Metric
Actual
Est
EPS
$1.89+13.2%
$1.67
Rev
$3.7B-0.6%
$3.7B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $2.27vs $2.20+3.2% | $3.7Bvs $3.8B-2.4% |
| Q1 2026 | Jan 27, 2026 | $2.04vs $2.05-0.5% | $3.8Bvs $3.8B-1.2% |
| Q4 2025 | Oct 15, 2025 | $2.84vs $2.26+25.7% | $4.8Bvs $3.8B+27.3% |
| Q2 2025 | Apr 22, 2025 | $1.89vs $1.67+13.2% | $3.7Bvs $3.7B-0.6% |
Based on last 4 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Synchrony Financial (SYF-PB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.90 | $9B | 2.79 | -7.91% | 18.58% | 21.3% | 4.61% | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — | |
| $102.36 | $4.14B | 9.34 | -2.06% | 11.9% | 17.08% | — | |
| $45.40 | $13.92B | 19.16 | -25.75% | 8.92% | 9.19% | — | |
| $25.08 | $4.97B | 7.25 | 4.1% | 33.13% | 31.01% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — |
Compare SYF-PB vs Peers
Synchrony Financial (SYF-PB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SYF-PB SEC Filings & Documents
Synchrony Financial (SYF-PB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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SYF-PB Frequently Asked Questions
Synchrony Financial (SYF-PB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Synchrony Financial's revenue?
Synchrony Financial (SYF-PB) reported $19.91B in revenue for fiscal year 2025.
How fast is Synchrony Financial growing?
Synchrony Financial (SYF-PB) saw revenue decline by 7.9% over the past year.
Is SYF-PB profitable?
Yes, Synchrony Financial (SYF-PB) is profitable, generating $3.60B in net income for fiscal year 2025 (18.6% net margin).
Dividend & Returns
Does SYF-PB pay dividends?
Yes, Synchrony Financial (SYF-PB) pays a dividend with a yield of 4.61%. This makes it attractive for income-focused investors.
What is SYF-PB's return on equity?
Synchrony Financial (SYF-PB) 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-PB) generated $9.83B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.