SYNCHRONY FINANCIAL

NYSE: SYF (Synchrony Financial)

Last update: 3 days ago, 1:45PM

74.30

-1.19 (-1.58%)

Previous Close 75.49
Open 74.73
Volume 2,081,536
Avg. Volume (3M) 3,240,940
Market Cap 26,758,912,000
Price / Earnings (TTM) 8.15
Price / Earnings (Forward) 8.32
Price / Sales 1.93
Price / Book 1.72
52 Weeks Range
40.55 (-45%) — 77.41 (4%)
Earnings Date 27 Jan 2026
TTM Dividend Yield 0.34%
Profit Margin 34.04%
Operating Margin (TTM) 44.19%
Diluted EPS (TTM) 7.30
Quarterly Revenue Growth (YOY) -23.60%
Quarterly Earnings Growth (YOY) -41.50%
Operating Cash Flow (TTM) 9.80 B
Return on Assets (TTM) 2.44%
Return on Equity (TTM) 18.60%

Market Trend

Short Term Medium Term
Industry Credit Services (US) Bullish Bullish
Credit Services (Global) Mixed Bullish
Stock Synchrony Financial Bullish Bullish

AIStockmoo Score

0.7
Analyst Consensus 3.0
Insider Activity -3.0
Price Volatility -0.5
Technical Moving Averages 0.0
Technical Oscillators 4.0
Average 0.70

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Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

Sector Financial Services
Industry Credit Services
Investment Style Mid Value
% Held by Insiders 0.29%
% Held by Institutions 102.08%

Ownership

Name Date Shares Held
Par Capital Management Inc 30 Jun 2025 7,500,000
52 Weeks Range
40.55 (-45%) — 77.41 (4%)
Price Target Range
75.00 (0%) — 100.00 (34%)
High 100.00 (BTIG, 34.60%) Buy
Median 83.00 (11.72%)
Low 75.00 (JP Morgan, 0.95%) Hold
Average 83.67 (12.62%)
Total 8 Buy, 4 Hold
Avg. Price @ Call 71.38
Firm Date Target Price Call Price @ Call
Truist Securities 17 Oct 2025 78.00 (4.99%) Hold 71.51
BTIG 16 Oct 2025 100.00 (34.60%) Buy 70.25
Barclays 16 Oct 2025 86.00 (15.75%) Buy 70.25
06 Oct 2025 83.00 (11.72%) Buy 71.38
Wells Fargo 16 Oct 2025 85.00 (14.41%) Buy 70.25
HSBC 10 Oct 2025 81.00 (9.02%) Buy 68.02
JP Morgan 07 Oct 2025 75.00 (0.95%) Hold 70.90
UBS 07 Oct 2025 79.00 (6.33%) Hold 70.90
Keefe, Bruyette & Woods 01 Oct 2025 86.00 (15.75%) Buy 69.84
Evercore ISI Group 30 Sep 2025 84.00 (13.06%) Buy 71.05
Morgan Stanley 29 Sep 2025 82.00 (10.37%) Hold 73.32
JMP Securities 25 Sep 2025 88.00 (18.45%) Buy 74.28
B of A Securities 11 Sep 2025 80.00 (7.68%) Buy 76.01
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Name Avg. Buy ($) Avg. Sell ($) Net Quantity Net Value ($)
COVIELLO ARTHUR W JR - 74.01 -14,400 -1,065,744
HOWSE CURTIS - 74.01 -12,086 -894,485
OWENS DARRELL - 74.01 -2,989 -221,216
Aggregate Net Quantity -29,475
Aggregate Net Value ($) -2,181,445
Aggregate Avg. Buy ($) -
Aggregate Avg. Sell ($) 74.01
Name Holder Date Type Quantity Price Value ($)
COVIELLO ARTHUR W JR Director 03 Nov 2025 Automatic sell (-) 14,400 74.01 1,065,744
HOWSE CURTIS Officer 03 Nov 2025 Automatic sell (-) 12,086 74.01 894,485
HOWSE CURTIS Officer 03 Nov 2025 Option execute 12,086 - -
OWENS DARRELL Officer 03 Nov 2025 Automatic sell (-) 2,989 74.01 221,216
Date Type Details
05 Nov 2025 Announcement Synchrony to Participate in the 2025 KBW Fintech Payments Conference
23 Oct 2025 Announcement Synchrony Announces Quarterly Common Stock Dividend of $0.30 Per Share
15 Oct 2025 Announcement Synchrony Reports Third Quarter 2025 Results; Company also Announces Approval of $1 Billion Increase in Share Repurchase Authority
14 Oct 2025 Announcement Synchrony and Pumpkin Pet Insurance Partner to Deliver Simple Reimbursements for Pet Owners Through CareCredit
01 Oct 2025 Announcement mClub® Selects Synchrony's CareCredit® as Exclusive Financing Partner, Bolstering Independent Veterinary Practices with Comprehensive Pet Care Solutions
01 Oct 2025 Announcement PSG Completes Sale of Versatile Credit to Synchrony
01 Oct 2025 Announcement Versatile Credit Bringing Leading Credit Access Platform to Synchrony
29 Sep 2025 Announcement Synchrony Names Deborah Ellinger to Board of Directors
23 Sep 2025 Announcement New Sun Country Airlines Credit Card from Synchrony Rewards Travelers Every Time They Fly
18 Sep 2025 Announcement Synchrony and University of Illinois Urbana-Champaign Celebrate Major Expansion as Emerging Technology Center Surpasses 400 Internships, Empowering the Next Generation of Innovators
17 Sep 2025 Announcement Synchrony Partners with Audibel to Offer CareCredit as Preferred Financing Solution for Hearing Health Care
17 Sep 2025 Announcement Synchrony to Announce Third Quarter 2025 Financial Results on October 15, 2025
17 Sep 2025 Announcement SYNCHRONY INVESTS $1 MILLION IN EDUCATORS TO ADVANCE PERSONAL FINANCE EDUCATION FOR STUDENTS NATIONWIDE
03 Sep 2025 Announcement Synchrony to Participate in the Barclays Global Financial Services Conference
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TTM Dividend Yield 0.34%
5Y Average Dividend Yield 2.24%
Payout Ratio 13.70%
Expected Next Dividend Payment Nov 2025
Ex Date Announcement Date Payment Date Details
03 Feb 2025 21 Jan 2025 18 Feb 2025 0.25 Cash
04 Nov 2024 24 Oct 2024 15 Nov 2024 0.25 Cash
05 Aug 2024 23 Jul 2024 15 Aug 2024 0.25 Cash
03 May 2024 24 Apr 2024 15 May 2024 0.25 Cash
02 Feb 2024 24 Jan 2024 15 Feb 2024 0.25 Cash
31 Oct 2023 19 Oct 2023 09 Nov 2023 0.25 Cash
28 Jul 2023 20 Jul 2023 10 Aug 2023 0.25 Cash
01 May 2023 20 Apr 2023 12 May 2023 0.23 Cash
03 Feb 2023 25 Jan 2023 17 Feb 2023 0.23 Cash
31 Oct 2022 20 Oct 2022 10 Nov 2022 0.23 Cash
29 Jul 2022 21 Jul 2022 11 Aug 2022 0.23 Cash
29 Apr 2022 21 Apr 2022 12 May 2022 0.22 Cash
09 Feb 2022 25 Jan 2022 17 Feb 2022 0.22 Cash
29 Oct 2021 21 Oct 2021 12 Nov 2021 0.22 Cash
30 Jul 2021 22 Jul 2021 12 Aug 2021 0.22 Cash
30 Apr 2021 22 Apr 2021 13 May 2021 0.22 Cash
04 Feb 2021 26 Jan 2021 16 Feb 2021 0.22 Cash
30 Oct 2020 21 Oct 2020 12 Nov 2020 0.22 Cash
31 Jul 2020 22 Jul 2020 13 Aug 2020 0.22 Cash
01 May 2020 24 Apr 2020 14 May 2020 0.22 Cash
06 Feb 2020 28 Jan 2020 13 Feb 2020 0.22 Cash
01 Nov 2019 24 Oct 2019 14 Nov 2019 0.22 Cash
02 Aug 2019 25 Jul 2019 15 Aug 2019 0.22 Cash
03 May 2019 25 Apr 2019 16 May 2019 0.21 Cash
01 Feb 2019 23 Jan 2019 14 Feb 2019 0.21 Cash
02 Nov 2018 25 Oct 2018 15 Nov 2018 0.21 Cash
03 Aug 2018 27 Jul 2018 16 Aug 2018 0.21 Cash
04 May 2018 25 Apr 2018 17 May 2018 0.15 Cash
02 Feb 2018 23 Jan 2018 15 Feb 2018 0.15 Cash
03 Nov 2017 25 Oct 2017 16 Nov 2017 0.15 Cash
03 Aug 2017 26 Jul 2017 17 Aug 2017 0.15 Cash
04 May 2017 26 Apr 2017 18 May 2017 0.13 Cash
02 Feb 2017 25 Jan 2017 16 Feb 2017 0.13 Cash
03 Nov 2016 27 Oct 2016 17 Nov 2016 0.13 Cash
10 Aug 2016 07 Jul 2016 25 Aug 2016 0.13 Cash
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Annual Dividend Yield

Year Annual Dividend ($) Frequency/Year Yield %
2025 0.250 1 0.34
2024 1.00 4 1.54
2023 0.960 4 2.51
2022 0.900 4 2.74
2021 0.880 4 1.90
2020 0.880 4 2.54
2019 0.860 4 2.39
2018 0.720 4 3.07
2017 0.560 4 1.45
2016 0.260 2 0.72
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The support, resistance and trendline levels presented has been generated by an artificial intelligence (AI) model and should be interpreted with caution.

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