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Synchrony Financial (SYF)

Financial Services | Credit Services | Stamford, United States | NYSE
78.05 USD -1.88 (-2.352%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 80.54 +2.49 (3.190%) ⇧ (Aug. 28, 2026, 7:52 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take | Aug. 22, 2026, 1:55 a.m. EDT

Synchrony Financial presents a compelling value proposition anchored by exceptional profitability metrics, including a 20.8% return on equity and 35.5% profit margins, yet it is constrained by sluggish revenue growth of just 0.6%. The stock trades at a discount with a forward P/E of 7.6, reflecting the market's caution regarding expansion rather than a rejection of the business quality. While the long-term fundamentals are robust enough to warrant a solid buy rating, the lack of top-line acceleration prevents it from reaching the highest tier. On the short end, the price has recovered from recent lows but remains below its 52-week high, and the options market is pricing in a higher probability of near-term volatility with elevated put skew. The dividend is safe and sustainable but offers minimal income relative to inflation. Overall, this is a high-quality compounder that is currently being punished for its slow growth, making it a solid hold for patient capital, though not a high-conviction momentum play right now.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.034109
AutoTheta0.035761
MSTL0.036352
AutoARIMA0.173897

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 54%
H-stat 0.22
Ljung-Box p 0.000
Jarque-Bera p 0.202
Excess Kurtosis -0.31
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-04
Last Dividend Date 2026-08-04
Revenue per Share 28.475
Market Cap 25,395,195,904
Trailing P/E 8.01
Forward P/E 7.43
Beta 1.31
Profit Margins 35.51%
Website https://www.synchrony.com

As of Aug. 22, 2026, 1:55 a.m. EDT: Near-term options show a distinct skew toward downside protection, with August and September put implied volatility significantly higher than call implied volatility, suggesting hedging against a drop. However, open interest for calls clusters heavily around the $80 to $85 strikes, indicating a speculative ceiling for upside. Long-dated calls (2027-2028) show substantial open interest at the $80 and $85 levels, while put open interest thins out significantly beyond one year, implying traders view the downside risk as contained in the short term.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.43% 1.64% 2.03% 2.23%
Dividend History
Date Dividend Yield %
2026-08-05 0.34 0.429022
2026-05-05 0.30 0.406614
2026-02-06 0.30 0.399148
2025-11-05 0.30 0.403388
2025-08-05 0.30 0.428633
2025-05-05 0.30 0.553506
2025-02-03 0.25 0.370151
2024-11-04 0.25 0.454050
2024-08-05 0.25 0.571167
2024-05-03 0.25 0.548246
2024-02-02 0.25 0.641849
2023-10-31 0.25 0.891266
2023-07-28 0.25 0.722752
2023-05-01 0.23 0.796675
2023-02-03 0.23 0.620783
2022-10-31 0.23 0.646794
2022-07-29 0.23 0.686977
2022-04-29 0.22 0.597664
2022-02-09 0.22 0.492611
2021-10-29 0.22 0.473628
2021-07-30 0.22 0.467886
2021-04-30 0.22 0.502972
2021-02-04 0.22 0.592353
2020-10-30 0.22 0.879297
2020-07-31 0.22 0.994126
2020-05-01 0.22 1.188547
2020-02-06 0.22 0.662850
2019-11-01 0.22 0.615557
2019-08-02 0.22 0.627496
2019-05-03 0.21 0.611532
2019-02-01 0.21 0.707309
2018-11-02 0.21 0.794552
2018-08-03 0.21 0.703518
2018-05-04 0.15 0.459700
2018-02-02 0.15 0.387797
2017-11-03 0.15 0.453035
2017-08-03 0.15 0.501505
2017-05-04 0.13 0.453436
2017-02-02 0.13 0.367855
2016-11-03 0.13 0.462140
2016-08-10 0.13 0.470163
Additional Data
dividendRate 1.36
dividendYield 1.7
exDividendDate 2026-08-05
trailingAnnualDividendRate 1.2
trailingAnnualDividendYield 0.015013137
lastDividendValue 0.34
lastDividendDate 2026-08-05
dividendDate 2026-08-17

Info Dump

Attribute Value
52 Week Change 0.05699551
Address1 777 Long Ridge Road
All Time High 88.77
All Time Low 12.15
Ask 78.43
Ask Size 300
Audit Risk 6
Average Analyst Rating 1.9 - Buy
Average Daily Volume10 Day 3,594,190
Average Daily Volume3 Month 3,603,335
Average Volume 3,603,335
Average Volume10Days 3,594,190
Beta 1.311
Bid 78.05
Bid Size 600
Board Risk 2
Book Value 46.713
City Stamford
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 78.05
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 80.74
Day Low 78.04
Dividend Date 1,786,924,800
Dividend Rate 1.36
Dividend Yield 1.7
Earnings Call Timestamp End 1,784,635,200
Earnings Call Timestamp Start 1,784,635,200
Earnings Growth 0.036
Earnings Quarterly Growth -0.085
Earnings Timestamp 1,784,637,000
Earnings Timestamp End 1,791,981,000
Earnings Timestamp Start 1,791,981,000
Ebitda Margins 0.0
Enterprise To Revenue 2.76
Enterprise Value 27,350,194,176
Eps Current Year 9.36541
Eps Forward 10.51015
Eps Trailing Twelve Months 9.75
Esg Populated 0
Ex Dividend Date 1,785,888,000
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 76.5296
Fifty Day Average Change 1.520401
Fifty Day Average Change Percent 0.019866835
Fifty Two Week Change Percent 5.699551
Fifty Two Week High 88.77
Fifty Two Week High Change -10.719994
Fifty Two Week High Change Percent -0.120761454
Fifty Two Week Low 63.08
Fifty Two Week Low Change 14.970001
Fifty Two Week Low Change Percent 0.23731771
Fifty Two Week Range 63.08 - 88.77
Financial Currency USD
First Trade Date Milliseconds 1,406,813,400,000
Five Year Avg Dividend Yield 2.16
Float Shares 323,122,527
Forward Eps 10.51015
Forward P E 7.426155
Full Exchange Name NYSE
Full Time Employees 20,000
Fullday Change -1.88
Fullday Change Percent -2.35205
Fullday Price 80.54
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 9,907,999,744
Has Pre Post Market Data 1
Held Percent Insiders 0.00349
Held Percent Institutions 1.09202
Implied Shares Outstanding 325,370,840
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,785,888,000
Last Dividend Value 0.34
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 25,395,195,904
Market State CLOSED
Max Age 86,400
Message Board Id finmb_260334235
Most Recent Quarter 1,782,777,600
Net Income To Common 3,435,000,064
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 26,006,891,241
Number Of Analyst Opinions 23
Open 80.07
Operating Cashflow 9,694,000,128
Operating Margins 0.50219
Overall Risk 2
Payout Ratio 0.123100005
Peg Ratio 1.14
Phone 203 585 2400
Post Market Change 2.4899979
Post Market Change Percent 3.1902597
Post Market Price 80.54
Post Market Time 1,787,961,120
Previous Close 79.93
Price Eps Current Year 8.3338585
Price Hint 2
Price To Book 1.6708411
Price To Sales Trailing12 Months 2.5631
Profit Margins 0.35507
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.875
Region US
Regular Market Change -1.88
Regular Market Change Percent -2.35205
Regular Market Day High 80.74
Regular Market Day Low 78.04
Regular Market Day Range 78.04 - 80.74
Regular Market Open 80.07
Regular Market Previous Close 79.93
Regular Market Price 78.05
Regular Market Time 1,787,947,203
Regular Market Volume 2,932,014
Return On Assets 0.02902
Return On Equity 0.20786
Revenue Growth 0.006
Revenue Per Share 28.475
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 325,370,840
Shares Percent Shares Out 0.0551
Shares Short 17,939,946
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 19,367,244
Short Name Synchrony Financial
Short Percent Of Float 0.0733
Short Ratio 5.25
Source Interval 15
State CT
Symbol SYF
Target High Price 104.0
Target Low Price 78.0
Target Mean Price 89.30435
Target Median Price 89.0
Total Cash 16,193,000,448
Total Cash Per Share 49.768
Total Debt 16,432,000,000
Total Revenue 9,907,999,744
Tradeable 0
Trailing Annual Dividend Rate 1.2
Trailing Annual Dividend Yield 0.015013137
Trailing Eps 9.75
Trailing P E 8.005129
Trailing Peg Ratio 1.1297
Triggerable 1
Two Hundred Day Average 74.96175
Two Hundred Day Average Change 3.0882568
Two Hundred Day Average Change Percent 0.04119777
Type Disp Equity
Volume 2,932,014
Website https://www.synchrony.com
Zip 6,902