Synchrony Financial (SYF)
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.
- Symbol
- SYF
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Credit Services
- Market cap
- $23.33B
- 52 week range
- 63.08 - 88.77
Valuation
- Share price
- $71.77 (close of 2026-10-02)
- P/E (TTM)
- 7.28x
- Price to book
- 1.38x
- Price to free cash flow
- 2.41x
- Enterprise value
- $23.56B
- Book value per share
- $51.99
Price performance
| Period | Change |
|---|---|
| 1 day | +0.36% |
| 5 days | -1.60% |
| 1 month | -8.44% |
| 3 months | -5.97% |
| 6 months | +4.90% |
| Year to date | -13.98% |
| 1 year | +2.12% |
| 3 years | +136.32% |
| 5 years | +43.80% |
| 10 years | +156.32% |
| All time | +212.04% |
Members of Congress who disclosed SYF trades
Alan Armstrong · Josh Gottheimer · Julia Letlow
Super investors holding SYF
Bill Nygren (Harris Associates LP) · Ken Griffin (Citadel) · Ray Dalio (Bridgewater Associates) · Christopher Bloomstran (Semper Augustus Investments Grroup LLC)
Profitability and growth
- Return on equity
- 21.19%
- Return on assets
- 2.98%
- Net income growth
- 1.51%
- Free cash flow growth
- 0.03%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 41.56%
- Net debt to EBITDA
- 0.03x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- EBITDA
- $9.27B
- Net income
- $3.55B
- Earnings per share
- $9.38
- Interest expense
- $4.13B
- Shares outstanding
- 369.90M
Income statement by year
| Period end | Net income | EPS |
|---|---|---|
| 2025-12-31 | $3.55B | $9.38 |
| 2024-12-31 | $3.50B | $8.64 |
| 2023-12-31 | $2.24B | $5.21 |
| 2022-12-31 | $3.02B | $6.19 |
| 2021-12-31 | $4.22B | $7.40 |
| 2020-12-31 | $1.39B | $2.28 |
| 2019-12-31 | $3.75B | $5.59 |
| 2018-12-31 | $2.79B | $3.76 |
| 2017-12-31 | $1.94B | $2.43 |
| 2016-12-31 | $2.25B | $2.71 |
Margins and returns by year
| Period end | Return on equity |
|---|---|
| 2025-12-31 | 21.19% |
| 2024-12-31 | 21.10% |
| 2023-12-31 | 16.10% |
| 2022-12-31 | 23.43% |
| 2021-12-31 | 30.91% |
| 2020-12-31 | 10.90% |
| 2019-12-31 | 24.83% |
| 2018-12-31 | 19.01% |
| 2017-12-31 | 13.59% |
| 2016-12-31 | 15.86% |
Cash and debt by year
| Period end | Cash | Debt |
|---|---|---|
| 2025-12-31 | $14.97B | $15.18B |
| 2024-12-31 | $14.71B | $15.46B |
| 2023-12-31 | $14.26B | $15.98B |
| 2022-12-31 | $10.29B | $14.19B |
| 2021-12-31 | $8.34B | $14.51B |
| 2020-12-31 | $11.52B | $15.78B |
| 2019-12-31 | $12.15B | $19.87B |
| 2018-12-31 | $9.40B | $24.00B |
| 2017-12-31 | $11.60B | $20.80B |
| 2016-12-31 | $9.32B | $20.15B |
Free cash flow by year
| Period end | Free cash flow |
|---|---|
| 2025-12-31 | $9.85B |
| 2024-12-31 | $9.85B |
| 2023-12-31 | $8.59B |
| 2022-12-31 | $6.69B |
| 2021-12-31 | $7.10B |
| 2020-12-31 | $7.49B |
| 2019-12-31 | $8.99B |
| 2018-12-31 | $9.34B |
| 2017-12-31 | $8.57B |
| 2016-12-31 | $6.51B |
Dividend history
- Most recent payment
- 2026-08-05
- Paid in the last twelve months
- $1.24
| Payment date | Dividend per share |
|---|---|
| 2026-08-05 | $0.34 |
| 2026-05-05 | $0.30 |
| 2026-02-06 | $0.30 |
| 2025-11-05 | $0.30 |
| 2025-08-05 | $0.30 |
| 2025-05-05 | $0.30 |
| 2025-02-03 | $0.25 |
| 2024-11-04 | $0.25 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-20
- Consensus EPS estimate
- $2.42
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-07-21 | Jun/2026 | $2.08 |
| 2026-04-21 | Mar/2026 | $2.27 |
| 2026-01-27 | Dec/2025 | $2.02 |
| 2025-10-15 | Sep/2025 | $2.22 |
| 2025-07-22 | Jun/2025 | $1.72 |
| 2025-04-22 | Mar/2025 | $1.63 |
| 2025-01-28 | Dec/2024 | $1.90 |
| 2024-10-16 | Sep/2024 | $1.77 |
Filings and sources
- Company website
- synchrony.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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