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StockVS

NYSE · Credit Services · USD

Synchrony Financial (SYF) Stock Analysis

Synchrony Financial (SYF) is a Credit Services stock listed on NYSE and quoted in US Dollar.

SYF

$79.92

+$0.07 (+0.09%)

Sep 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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SYF Key Statistics

As of Sep 4, 2026
Trading
Open
$79.12
Previous Close
$79.85
Day's Range
78.84–80.80
52-Week Range
63.08–88.77
Volume
2.74M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.31
Valuation
Market Cap
$26.00B
P/E Ratio
8.20
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
7.60
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.95
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.62
EPS (ttm)Profit attributable to each share over the last twelve months.
9.75
Financials (FY)
Revenue (FY)
$14.98B−0.50%
Net Income (FY)
$3.55B+1.51%
Profit marginThe share of revenue left as profit after all costs and taxes.
35.51%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
325.37M
1-Year Return
+5.71%
Dividend and dates
Dividend
$1.36+1.70%
Ex-Dividend Date
August 5, 2026
Earnings Date
October 14, 2026
Avg Volume
3.58M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

SYF Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−3.01%
2025+30.64%
2024+74.01%
2023+19.76%
2022−27.43%
2021+36.40%
2020−0.08%
2019+57.48%
2018−37.84%
2017+8.35%
2016 (partial year)+30.55%

As of September 4, 2026.

SYF Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$14.98B$3.55B23.7%
2024$15.06B$3.50B23.2%
2023$13.63B$2.24B16.4%
2022$11.67B$3.02B25.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$14.98B——$3.55B23.7%
2024$15.06B——$3.50B23.2%
2023$13.63B——$2.24B16.4%
2022$11.67B——$3.02B25.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

SYF Dividend History

$1.15+15.0% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.943—
2025$1.154+15.0%
2024$1.004+4.2%
2023$0.964+6.7%
YearDividends per sharePaymentsChange
2026 (partial year)$0.943—
2025$1.154+15.0%
2024$1.004+4.2%
2023$0.964+6.7%
2022$0.904+2.3%
2021$0.884+0.0%
2020$0.884+2.3%
2019$0.864+19.4%
2018$0.724+28.6%
2017$0.564+330.8%
2016$0.131—

Most recent payment: $0.31 per share, ex-dividend August 5, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

SYF Valuation vs Credit Services Median

Median of 60 stocks
MetricSYFCredit Services medianvs median
P/E8.2012.4734% below
P/S ratio2.621.6460% above
Profit margin35.51%9.99%25.5 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Synchrony Financial (SYF) is capitalised at $26.00B on the latest close. The company sits in the Financial Services sector, in the Credit Services industry. Headcount on file is 20,000.

Over the past 52 weeks the price has ranged from $63.08 to $88.77. SYF last closed at $79.92 on September 4, 2026. That is +$0.07 (+0.09%) against the previous close. The latest close sits 26.7% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $14.98B. That is −0.50% against the prior fiscal year, when revenue was $15.06B. Net income for the same year was $3.55B. That is +1.51% against the prior fiscal year. The reported profit margin is 35.51%. That is 25.5 percentage points above the Credit Services median of 9.99%. Trailing earnings per share are 9.75.

Across the 4 fiscal years on file, revenue moves from $11.67B in 2022 to $14.98B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 8.2. That is 34.24% below the Credit Services median of 12.47. The forward P/E on file is 7.6. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.95. The price-to-sales ratio is 2.62. On price-to-sales that is 59.99% above the Credit Services median of 1.64. The medians here are taken across 60 Credit Services companies that report the metric.

The trailing one-year price return is +5.71%. Across 10 years the annualized return works out at +13.76%. The reported beta is 1.31. Annualized volatility over the trailing 10 years is 39.48%.

Growth & Income

The trailing dividend yield is 1.7%. That is 2.5 percentage points below the Credit Services median yield of 4.22%. The indicated annual rate is $1.36 a share. The ex-dividend date on file is August 5, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.94 a share. The year before, 2025, totalled $1.15 a share.

The strongest complete calendar year on file is 2024 at +74.01%; the weakest is 2018 at −37.84%. Of the 9 complete calendar years on file, 6 finished higher. 2026 is still running; the price is −3.01% year to date.

Peer Comparison

Synchrony Financial (SYF) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Synchrony Financial SYF $26.00B 8.2
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. Synchrony Financial trades at a P/E of 8.2.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About Synchrony Financial

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.

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