Synchrony Financial (SYF) stock
Financials · Consumer Finance
Synchrony Financial (SYF) is a Consumer Finance company in the Financials sector, headquartered in Stamford, Connecticut. As of October 23, 2026, SYF closed at $73.64, a market capitalization of $23.96 billion, the 368th largest company in the S&P 500. Over the last twelve months it generated $9.78 billion in revenue (-5% year over year) and $9.69 billion in free cash flow. The stock trades at 7.7x trailing earnings and 7.0x forward earnings.
- 1-year total return: +2.2% (dividends reinvested)
- 5-year return: +10.8% a year
- 52-week range: $63.08 – $88.77
- Gross margin 0.0%, operating margin 49.8%
- Dividend yield: 1.85%, 4 straight years of increases
- FI Handbook report card: B across 9 metrics
- 62nd largest of 76 Financials stocks in the S&P 500
SYF price chart
1Y price change: +0.5% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| SYF | +4.2% | -10.6% | +2.2% | +39.8% | +10.8% | +12.7% | +12.1% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 2014.
SYF key statistics
- Market cap
- $24.0B
- #368 in S&P 500
- P/E (TTM)
- 7.7x
- Forward P/E
- 7.0x
- EPS (TTM)
- $9.58
- Revenue (TTM)
- $9.8B
- -5%
- Free cash flow
- $9.7B
- Gross margin
- 0.0%
- Operating margin
- 49.8%
- Return on equity
- 19.8%
- Dividend yield
- 1.85%
- 52-week range
- $63.08 – $88.77
- Beta
- 1.34
- Price / sales
- 2.4x
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- 20,000
SYF report card
BTen fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth-4.7%F
- Gross margin0.0%F
- Operating margin49.8%A
- FCF margin99.1%A
- Return on equity19.8%B
- Net debt / EBITDA——
- Forward P/E7.0xA
- PEG ratio0.9xA
- Shareholder yield14.1%A
- Share count change / yr-8.7%A
Synchrony Financial financials
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $2.3B | $1.9B | $2.8B | $3.7B | $1.4B | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| EPS (diluted) | $2.71 | $2.42 | $3.74 | $5.56 | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Buybacks | $476.0M | $1.5B | $1.9B | $3.6B | $985.0M | $2.9B | $3.3B | $1.1B | $1.0B | $2.9B |
| Dividends paid | $214.0M | $446.0M | $534.0M | $581.0M | $520.0M | $500.0M | $434.0M | $406.0M | $398.0M | $427.0M |
| Diluted shares | 831.5M | 799.7M | 746.9M | 673.5M | 590.8M | 569.3M | 483.4M | 423.5M | 400.6M | 373.9M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into SYF?
A reverse DCF asks what growth the current price requires. With an enterprise value of $25.1B and $9.7B of trailing free cash flow, Synchrony Financial needs to grow free cash flow about -36.7% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return.
P/E ratio history
Current 7.9x vs. median 9.6x (10th–90th percentile 4.7x–14.0x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
SYF dividend
- Dividend yield
- 1.85%
- Annual dividend
- $1.36
- Years of increases
- 4
- 5-yr dividend growth
- 5.5%
- per year
- Payout ratio
- 13%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
SYF analyst price targets
24 analysts' average 12-month target is $87.54 (+19% vs. $73.64). Targets range from $73.00 to $104.00. 63% rate it a buy.
SYF earnings
Next report: January 26, 2027. Synchrony Financial has beaten EPS estimates 7 quarters in a row.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Oct 19, 2026 | $2.40 | $2.68 | +11.4% |
| Jul 21, 2026 | $2.13 | $2.59 | +21.9% |
| Apr 21, 2026 | $2.16 | $2.27 | +5.1% |
| Jan 27, 2026 | $2.02 | $2.18 | +7.8% |
| Oct 15, 2025 | $2.21 | $2.86 | +29.3% |
| Jul 22, 2025 | $1.79 | $2.50 | +39.3% |
| Apr 22, 2025 | $1.65 | $1.89 | +14.5% |
| Jan 28, 2025 | $1.92 | $1.91 | -0.5% |
Stocks like SYF
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|---|---|---|---|---|---|
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 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
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SYF news
- Synchrony (SYF) Upgraded to Buy: What Does It Mean for the Stock? · Oct 22, 2026
- SYF or FUTU: Which Is the Better Value Stock Right Now? · Oct 22, 2026
- Should Value Investors Buy Synchrony Financial (SYF) Stock? · Oct 22, 2026
- SYF Q3 Deep Dive: Consumer Strength and Digital Strategy Shape Outlook · Oct 21, 2026
- Synchrony Financial (SYF) Stock Slips Despite Lifted Q3 Earnings Outlook · Oct 21, 2026
SYF stock FAQ
What is SYF's market cap?
Synchrony Financial's market capitalization is $23.96 billion as of October 23, 2026, ranking 368th in the S&P 500.
What is SYF's P/E ratio?
SYF trades at a trailing price-to-earnings ratio of 7.7x and a forward P/E of 7.0x. Its median P/E over the period we track is 9.6x.
Does SYF pay a dividend?
Yes. Synchrony Financial pays $1.36 per share a year, a 1.85% yield. It has raised its dividend 4 years in a row. Dividends grew 5.5% a year over the last five years.
How much has SYF stock returned?
Including reinvested dividends, SYF returned +2.2% over one year, +10.8% a year over five years, +12.7% a year over ten years through October 23, 2026.
Is SYF stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Synchrony Financial must grow free cash flow about -37% a year for the next decade. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the SYF price target?
24 analysts cover SYF with an average 12-month price target of $87.54, +19% from the current price. 62% of them rate it a buy.
When does SYF report earnings?
Synchrony Financial is expected to report earnings on January 26, 2027. It has beaten EPS estimates 7 quarters in a row.
How many employees does Synchrony Financial have?
Synchrony Financial has about 20,000 full-time employees, or $489,150 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology