Synchrony Financial (SYF)Financial Services | Credit Services | Stamford, United States | NYSE
78.34 USD
+3.17
(4.217%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 76.02 -2.32 (-2.315%) ⇩ (April 17, 2026, 7:56 p.m. EDT) Short-term: ★★★☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★★☆ |
Hot Take | April 11, 2026, 2:53 p.m. EDT
SYF shows a mixed outlook. Short-term, the stock has been volatile with recent dips, and the options market reflects caution with a focus on puts. Long-term, the fundamentals are somewhat stable, with a decent dividend yield and positive revenue growth, but earnings growth is slightly negative. While the dividend is reliable, the stock's recent performance and options activity suggest a cautious approach, making it a moderate buy for long-term investors with a risk tolerance for potential volatility. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.048660 |
| AutoETS | 0.048662 |
| AutoTheta | 0.048834 |
| MSTL | 0.051085 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 45% |
| H-stat | 8.17 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.209 |
| Excess Kurtosis | -1.24 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-02-05 |
| Last Dividend Date | 2026-02-05 |
| Revenue per Share | 26.375 |
| Market Cap | 28,215,803,904 |
| Trailing P/E | 8.44 |
| Forward P/E | 7.56 |
| Beta | 1.38 |
| Profit Margins | 36.41% |
| Website | https://www.synchrony.com |
As of April 11, 2026, 2:53 p.m. EDT: Options activity indicates a mix of bullish and bearish sentiment. There is significant put buying, particularly around the $72.5 strike, suggesting some short-term bearishness. However, there are also calls with notable open interest, especially around the $75 and $80 strikes, which could signal a potential upside. The high IV spikes on certain strikes, such as $30 and $23, suggest uncertainty or speculation about potential volatility. Overall, the options market is signaling a cautious outlook with a mix of strategies.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.40% | 1.80% | 2.33% | 2.38% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-02-06 | 0.30 | 0.399148 |
| 2025-11-05 | 0.30 | 0.405031 |
| 2025-08-05 | 0.30 | 0.432146 |
| 2025-05-05 | 0.30 | 0.560471 |
| 2025-02-03 | 0.25 | 0.376896 |
| 2024-11-04 | 0.25 | 0.464006 |
| 2024-08-05 | 0.25 | 0.586344 |
| 2024-05-03 | 0.25 | 0.565958 |
| 2024-02-02 | 0.25 | 0.666266 |
| 2023-10-31 | 0.25 | 0.931201 |
| 2023-07-28 | 0.25 | 0.761860 |
| 2023-05-01 | 0.23 | 0.845871 |
| 2023-02-03 | 0.23 | 0.664295 |
| 2022-10-31 | 0.23 | 0.696368 |
| 2022-07-29 | 0.23 | 0.744369 |
| 2022-04-29 | 0.22 | 0.652187 |
| 2022-02-09 | 0.22 | 0.540675 |
| 2021-10-29 | 0.22 | 0.522453 |
| 2021-07-30 | 0.22 | 0.518554 |
| 2021-04-30 | 0.22 | 0.559989 |
| 2021-02-04 | 0.22 | 0.662783 |
| 2020-10-30 | 0.22 | 0.989875 |
| 2020-07-31 | 0.22 | 1.128899 |
| 2020-05-01 | 0.22 | 1.362616 |
| 2020-02-06 | 0.22 | 0.768471 |
| 2019-11-01 | 0.22 | 0.718369 |
| 2019-08-02 | 0.22 | 0.736886 |
| 2019-05-03 | 0.21 | 0.722614 |
| 2019-02-01 | 0.21 | 0.840960 |
| 2018-11-02 | 0.21 | 0.951339 |
| 2018-08-03 | 0.21 | 0.848393 |
| 2018-05-04 | 0.15 | 0.558315 |
| 2018-02-02 | 0.15 | 0.473197 |
| 2017-11-03 | 0.15 | 0.554900 |
| 2017-08-03 | 0.15 | 0.617054 |
| 2017-05-04 | 0.13 | 0.560708 |
| 2017-02-02 | 0.13 | 0.456946 |
| 2016-11-03 | 0.13 | 0.576146 |
| 2016-08-10 | 0.13 | 0.588841 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.6586915 |
| Address1 | 777 Long Ridge Road |
| All Time High | 88.77 |
| All Time Low | 12.15 |
| Ask | 78.16 |
| Ask Size | 200 |
| Audit Risk | 3 |
| Average Analyst Rating | 1.7 - Buy |
| Average Daily Volume10 Day | 3,275,880 |
| Average Daily Volume3 Month | 4,541,446 |
| Average Volume | 4,541,446 |
| Average Volume10Days | 3,275,880 |
| Beta | 1.381 |
| Bid | 78.15 |
| Bid Size | 400 |
| Board Risk | 4 |
| Book Value | 44.744 |
| City | Stamford |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Compensation Risk | 2 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 78.34 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 78.71 |
| Day Low | 76.17 |
| Dividend Date | 1,771,286,400 |
| Dividend Rate | 1.2 |
| Dividend Yield | 1.53 |
| Earnings Call Timestamp End | 1,776,772,800 |
| Earnings Call Timestamp Start | 1,776,772,800 |
| Earnings Growth | 0.078 |
| Earnings Quarterly Growth | -0.03 |
| Earnings Timestamp | 1,776,774,600 |
| Earnings Timestamp End | 1,776,774,600 |
| Earnings Timestamp Start | 1,776,774,600 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 2.938 |
| Enterprise Value | 28,661,692,416 |
| Eps Current Year | 9.2065 |
| Eps Forward | 10.36298 |
| Eps Trailing Twelve Months | 9.28 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,770,336,000 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 69.815 |
| Fifty Day Average Change | 8.524994 |
| Fifty Day Average Change Percent | 0.12210834 |
| Fifty Two Week Change Percent | 65.869156 |
| Fifty Two Week High | 88.77 |
| Fifty Two Week High Change | -10.43 |
| Fifty Two Week High Change Percent | -0.11749466 |
| Fifty Two Week Low | 46.13 |
| Fifty Two Week Low Change | 32.209995 |
| Fifty Two Week Low Change Percent | 0.698244 |
| Fifty Two Week Range | 46.13 - 88.77 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,406,813,400,000 |
| Five Year Avg Dividend Yield | 2.18 |
| Float Shares | 345,336,903 |
| Forward Eps | 10.36298 |
| Forward P E | 7.5596013 |
| Full Exchange Name | NYSE |
| Full Time Employees | 20,000 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 9,756,000,256 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.00421 |
| Held Percent Institutions | 1.0758799 |
| Implied Shares Outstanding | 360,171,099 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,770,336,000 |
| Last Dividend Value | 0.3 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Synchrony Financial |
| Market | us_market |
| Market Cap | 28,215,803,904 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_260334235 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 3,468,999,936 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 27,230,692,496 |
| Number Of Analyst Opinions | 23 |
| Open | 76.38 |
| Operating Cashflow | 9,850,999,808 |
| Operating Margins | 0.48533002 |
| Overall Risk | 3 |
| Payout Ratio | 0.123900004 |
| Peg Ratio | 3.74 |
| Phone | 203 585 2400 |
| Post Market Change | -2.3153 |
| Post Market Change Percent | -2.9554508 |
| Post Market Price | 76.0247 |
| Post Market Time | 1,776,470,169 |
| Previous Close | 75.17 |
| Price Eps Current Year | 8.509205 |
| Price Hint | 2 |
| Price To Book | 1.7508492 |
| Price To Sales Trailing12 Months | 2.8921487 |
| Profit Margins | 0.36408 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.73913 |
| Region | US |
| Regular Market Change | 3.17 |
| Regular Market Change Percent | 4.21711 |
| Regular Market Day High | 78.71 |
| Regular Market Day Low | 76.17 |
| Regular Market Day Range | 76.17 - 78.71 |
| Regular Market Open | 76.38 |
| Regular Market Previous Close | 75.17 |
| Regular Market Price | 78.34 |
| Regular Market Time | 1,776,456,003 |
| Regular Market Volume | 5,254,713 |
| Return On Assets | 0.029779999 |
| Return On Equity | 0.21304001 |
| Revenue Growth | 0.05 |
| Revenue Per Share | 26.375 |
| Sand P52 Week Change | 0.38150132 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 347,596,279 |
| Shares Percent Shares Out | 0.0417 |
| Shares Short | 14,495,914 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 14,731,523 |
| Short Name | Synchrony Financial |
| Short Percent Of Float | 0.0582 |
| Short Ratio | 3.66 |
| Source Interval | 15 |
| State | CT |
| Symbol | SYF |
| Target High Price | 103.0 |
| Target Low Price | 71.0 |
| Target Mean Price | 85.30435 |
| Target Median Price | 84.0 |
| Total Cash | 14,972,999,680 |
| Total Cash Per Share | 43.076 |
| Total Debt | 15,182,000,128 |
| Total Revenue | 9,756,000,256 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.15 |
| Trailing Annual Dividend Yield | 0.015298656 |
| Trailing Eps | 9.28 |
| Trailing P E | 8.441811 |
| Trailing Peg Ratio | 3.8938 |
| Triggerable | 1 |
| Two Hundred Day Average | 73.8334 |
| Two Hundred Day Average Change | 4.5065994 |
| Two Hundred Day Average Change Percent | 0.06103741 |
| Type Disp | Equity |
| Volume | 5,254,713 |
| Website | https://www.synchrony.com |
| Zip | 6,902 |