Financial Services
Live Price
Offline$75.26
+1.55% today
1Y Change
+12.00%
Window
Jun 23, 2025 → Jun 5, 2026
Coverage: 240 bars · Jun 23, 2025 → 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 12.0% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SYF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SYF Max Drawdown
-27.91%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SYF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$11.2B
-14.9% YoY
FY Net Income
$4.2B
+40.0% YoY
Free Cash Flow
$7.1B
+6.1% YoY
Revenue Growth
-7.9%
EPS Growth
+8.2%
Gross Margin
61.1%
Net Margin
18.1%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 19.1B | 20.8B | 17.3B | 13.2B | 11.2B |
| Gross Profit | 9.8B | 9.4B | 7.7B | 8.3B | 9.5B |
| Operating Income | 4.6B | 4.6B | 2.9B | 4.0B | 5.5B |
| EBITDA | 5.1B | 5.0B | 3.4B | 4.4B | 5.9B |
| Net Income | 3.6B | 3.5B | 2.2B | 3.0B | 4.2B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 15.0B | 14.7B | 14.3B | 10.3B | 8.3B |
| Total Assets | 119.1B | 119.5B | 117.5B | 104.6B | 95.7B |
| Total Liabilities | 102.3B | 102.9B | 103.6B | 91.7B | 82.1B |
| Shareholder Equity | 16.8B | 16.6B | 13.9B | 12.9B | 13.7B |
| Total Debt | 15.2B | 15.5B | 16.0B | 14.2B | 14.5B |
| Net Debt | 209M | 751M | 1.7B | 3.9B | 6.2B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
7.1B
+6.1% YoY
Capital Expenditures
0
Free Cash Flow
7.1B
+6.1% YoY
Key ratios
Gross Margin
61.1%
Operating Margin
22.9%
Net Margin
18.1%
ROE
21.4%
Debt / Equity
1.00x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.