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Synchrony Financial (SYF)

Financial Services | Credit Services | Stamford, United States | NYSE
73.59 USD -0.03 (-0.041%) ⇩ (Oct. 13, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 2:21 a.m. EDT

Synchrony presents a compelling value case marred by recent operational headwinds. Fundamentally, the business is robust: it trades at a discount to book value, boasts a healthy 35% profit margin, and maintains a fortress-like payout ratio of just 12%, leaving ample room for future dividend growth. The long-term trajectory is positive, having delivered a 154% gain over the last nine years with no recent consecutive declines, though the latest year saw revenue miss estimates which dampens immediate optimism. The short-term outlook is murky. While the valuation is attractive, the recent earnings miss and the lack of revenue growth suggest the market is pricing in continued friction. This is confirmed by the options data, where speculative capital is heavily skewed toward buying protection (puts) rather than betting on a surge. The statistical forecast model offers no directional edge, reinforcing the view that the stock is currently stuck in a consolidation phase. Investors should view this as a solid long-term hold waiting for the next cycle of consumer spending acceleration, but a risky trade for the immediate future.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.037727
AutoETS0.043835
AutoTheta0.044780
MSTL0.048840

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 50%
H-stat 0.49
Ljung-Box p 0.000
Jarque-Bera p 0.108
Excess Kurtosis -0.32
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-04
Last Dividend Date 2026-08-04
Revenue per Share 28.475
Market Cap 23,944,040,448
Trailing P/E 7.53
Forward P/E 7.03
Beta 1.34
Profit Margins 35.51%
Website https://www.synchrony.com

As of Oct. 10, 2026, 2:21 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume and open interest, particularly at strikes below the current price, indicating a fear of downside volatility. Conversely, call activity is concentrated near the money and slightly out-of-the-money, suggesting a belief in a range-bound recovery rather than a massive breakout. The imbalance in open interest favors sellers protecting against a drop.

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
dividendYield 1.85
exDividendDate 2026-08-05
trailingAnnualDividendRate 1.2
trailingAnnualDividendYield 0.016299918
lastDividendValue 0.34
lastDividendDate 2026-08-05
dividendDate 2026-08-17

Info Dump

Attribute Value
52 Week Change 0.01756084
Address1 777 Long Ridge Road
All Time High 88.77
All Time Low 12.15
Ask 0.0
Ask Size 100
Audit Risk 6
Average Analyst Rating 1.8 - Buy
Average Daily Volume10 Day 2,633,510
Average Daily Volume3 Month 3,200,396
Average Volume 3,200,396
Average Volume10Days 2,633,510
Beta 1.339
Bid 0.0
Bid Size 400
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 73.59
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 74.32
Day Low 72.98
Dividend Date 1,786,924,800
Dividend Yield 1.85
Earnings Call Timestamp End 1,792,526,400
Earnings Call Timestamp Start 1,792,526,400
Earnings Growth 0.036
Earnings Quarterly Growth -0.085
Earnings Timestamp 1,792,499,400
Earnings Timestamp End 1,792,499,400
Earnings Timestamp Start 1,792,499,400
Ebitda Margins 0.0
Enterprise To Revenue 2.614
Enterprise Value 25,899,040,768
Eps Current Year 9.45413
Eps Forward 10.46967
Eps Trailing Twelve Months 9.77
Esg Populated 0
Ex Dividend Date 1,785,888,000
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 76.2794
Fifty Day Average Change -2.6894073
Fifty Day Average Change Percent -0.03525732
Fifty Two Week Change Percent 1.756084
Fifty Two Week High 88.77
Fifty Two Week High Change -15.18
Fifty Two Week High Change Percent -0.17100373
Fifty Two Week Low 63.08
Fifty Two Week Low Change 10.5099945
Fifty Two Week Low Change Percent 0.16661373
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 2.03
Float Shares 323,112,766
Forward Eps 10.46967
Forward P E 7.0288744
Full Exchange Name NYSE
Full Time Employees 20,000
Fullday Change -0.030006409
Fullday Change Percent -0.040758498
Fullday Price 73.68
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 9,907,999,744
Has Pre Post Market Data 1
Held Percent Insiders 0.00352
Held Percent Institutions 1.09152
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 23,944,040,448
Market State PRE
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 22,993,957,262
Number Of Analyst Opinions 24
Open 74.1
Operating Cashflow 9,694,000,128
Operating Margins 0.50219
Overall Risk 3
Payout Ratio 0.1228
Peg Ratio 0.9
Phone 203 585 2400
Pre Market Change 0.09000397
Pre Market Change Percent 0.122304626
Pre Market Price 73.68
Pre Market Time 1,791,981,742
Previous Close 73.62
Price Eps Current Year 7.7838993
Price Hint 2
Price To Book 1.5753644
Price To Sales Trailing12 Months 2.4166372
Profit Margins 0.35507
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.83333
Region US
Regular Market Change -0.0300064
Regular Market Change Percent -0.0407585
Regular Market Day High 74.32
Regular Market Day Low 72.98
Regular Market Day Range 72.98 - 74.32
Regular Market Open 74.1
Regular Market Previous Close 73.62
Regular Market Price 73.59
Regular Market Time 1,791,921,603
Regular Market Volume 2,618,932
Return On Assets 0.02902
Return On Equity 0.20786
Revenue Growth 0.006
Revenue Per Share 28.475
Sand P52 Week Change 0.17004645
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 0.053600002
Shares Short 17,451,121
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 17,840,145
Short Name Synchrony Financial
Short Percent Of Float 0.0713
Short Ratio 5.85
Source Interval 15
State CT
Symbol SYF
Target High Price 104.0
Target Low Price 74.0
Target Mean Price 87.95833
Target Median Price 88.5
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 0.016299918
Trailing Eps 9.77
Trailing P E 7.532241
Trailing Peg Ratio 0.8772
Triggerable 1
Two Hundred Day Average 74.2514
Two Hundred Day Average Change -0.6614075
Two Hundred Day Average Change Percent -0.008907677
Type Disp Equity
Volume 2,618,932
Website https://www.synchrony.com
Zip 6,902