Financial Services
Synchrony Financial(SYF)
Live Price
Offline$75.26
+1.55% today
1Y Change
+13.63%
Window
Jun 20, 2025 โ Jun 5, 2026
- Market Cap
- $25.53B
- Revenue Growth
- -7.9%
- EPS Growth
- +8.2%
- Dividend Yield
- 1.6%
Coverage: 241 bars ยท Jun 20, 2025 โ Jun 5, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Synchrony Financial (SYF) is a Financial Services stock with a market cap of $25.53B and listed on NYSE. The stock last traded around $75.26 and up 13.6% across the available one-year price window (Jun 20, 2025 โ Jun 5, 2026). Baseline metrics include revenue growth of -7.9%, EPS growth of +8.2%, a dividend yield of 1.6%. What stands out right now is revenue -7.9%, EPS +8.2%, free cash flow +0.0% with operating margin 22.9% and ROIC 3.1%. The dividend is present but secondary, with a yield around 1.6%. Valuation is more restrained than many high-expectation growth names at P/E 7.2 and price/sales 1.3. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines SYF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-7.9% vs +3.4% peer median
Operating Margin
Above sector median
+22.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 21, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -7.9% and EPS is at +8.2%, with operating margin around 22.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.6%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.1% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 21, 2026 | โ | +1.4% | -1.8% | -10.6% |
2026 Jan 27, 2026 | +1.0% | +0.6% | +1.2% | -0.3% |
2025 Oct 15, 2025 | +26.6% | -2.9% | +1.0% | +4.4% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SYF
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SYF Max Drawdown
-27.91%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SYF and SPY.
Company Overview
Synchrony Financial
New York Stock Exchange
Synchrony 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.
- Leadership
- Brian D. Doubles
- IPO Date
- Jul 31, 2014
- Employees
- 20.0k
- Street Address
- 777 Long Ridge Road
- Mailing
- Stamford, CT, 06902
- Region
- Stamford, CT, US
- Reporting Currency
- USD
- Investor Line
- 203 585 2400
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.2
- EV/EBITDA
- 4.3
- Price/Sales
- 1.3
- Price/Book
- 1.6
Growth
- Revenue
- -7.9%
- EPS
- +8.2%
- Free Cash Flow
- +0.0%
Profitability
- Gross Margin
- 61.1%
- Operating Margin
- 22.9%
- Net Margin
- 18.1%
- ROE
- 21.4%
- ROIC
- 3.1%
Balance Sheet
- Debt/Equity
- 1.00
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.