Synchrony Financial

Synchrony Financial

SYF
Synchrony FinancialUS flagNew York Stock Exchange
73.36
USD
+1.03
- -
24.68BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.48
12.19
11.69
13.23
15.54
17.9
19.86
18.95
18.05
24.3
32.35
37.97
40.5
41.64
Basic EPS, GAAP
2.38
2.78
2.66
2.71
2.43
3.76
5.59
2.28
7.4
6.19
5.21
8.64
9.38
9.79
Free Cash Flow per Basic Share
6.84
7.05
7.42
7.85
10.78
12.59
13.41
12.71
12.57
13.93
20.4
24.84
26.63
27.37
Dividend per Share
- -
- -
- -
0.26
0.56
0.72
0.87
0.95
0.96
0.99
1.06
1.19
1.38
1.44
Book Value per Share
- -
1.43
3.95
6.43
8.56
12.11
18.08
18.03
25.23
34.8
44.31
54.57
66.5
70.17
Tangible Book Value per Share
5.67
11.9
13.14
15.12
15.7
16.86
17.92
16.58
18.86
21.42
26.91
33.37
34.94
35.26
Basic Weighted Avg Shares
830
757
834
829
796
742
670
589
565
480
421
396
370
359
Sales/Revenue/Turnover
8,698
9,230
9,747
10,972
12,367
13,284
13,312
11,162
10,192
11,674
13,627
15,056
14,981
14,961
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
104
131
174
219
254
302
367
383
390
419
458
481
514
532
Net Income, GAAP
1,979
2,109
2,214
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
3,600
Effective Tax Rate (%)
37.01
37.71
37.3
36.95
41.79
23.44
23.33
22.93
23.3
23.88
22.93
23.15
23.13
23.14
Profit Margin (%)
22.75
22.85
22.71
20.52
15.65
21
28.15
12.41
41.41
25.84
16.42
23.24
23.71
24.06
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
24,321
27,460
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
15,982
15,462
15,182
16,428
Total Equity
5,960
10,478
12,604
14,196
14,234
14,678
15,088
12,701
13,655
12,873
13,903
16,580
16,766
16,477
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
390.56
101.23
52.2
31.88
35.32
35.51
11.81
33.61
19.21
12.41
17.01
15.01
14.83

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
14,431
15,182
16,428
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
1,222
1,222
1,222
Shares Outstanding
360
347
337
Market Capitalization
26,939
30,869
24,440

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,961
17,321
23,599
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.31%
6.03%
1.12%
Free Cash Flow
5.76%
6.42%
0.03%
Net Income, GAAP
21.13%
41.65%
1.51%
Sales/Revenue/Turnover
4.93%
6.51%
-0.5%
Total Cash Common Dividend
- -
-3.64%
7.29%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,729
3,712
3,814
2,732
15,056
2025
3,718
3,647
3,823
3,793
14,981
2026
3,698
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.17
1.56
1.96
1.93
8.64
2025
1.91
2.51
2.89
2.07
9.38
2026
2.29
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.28
0.3
0.31
0.3
1.19
2025
0.31
0.36
0.36
0.36
1.38
2026
0.37
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Brian D. Doubles
Full Time Employees
20,000
Sector
Financial Services
Industry
Financial - Credit Services
Address
777 Long Ridge Road Stamford CT United States of America 06902
IPO Date
Jul 31, 2014
Business
Synchrony Financial is a premier consumer financial services company specializing in private label and co-branded credit programs, healthcare finance, installment lending, and deposits through its subsidiary Synchrony Bank. Its core product offerings include retail credit cards and financing solutions available at thousands of merchant locations across the United States; Synchrony Pay Later, a "buy now, pay later" service offering flexible installment payment options; and award-winning deposit products such as high-yield savings accounts, certificates of deposit, money market accounts, and individual retirement accounts with FDIC insurance. The company serves a diverse range of industries including retail, healthcare, telecommunications, home improvement, automotive, and pet care. Founded in 1932 and headquartered in Stamford, Connecticut, Synchrony Financial operates primarily in the U.S. market and partners with national and regional retailers, manufacturers, healthcare providers, and buying groups to offer consumers tailored financing solutions through digitally enabled platforms, enhancing the omnichannel customer experience. Recent major changes include the expansion of partnerships with key retailers such as Sam’s Club and JCPenney, the integration and transition of merchants to the Synchrony Pay Later platform following the 2024 acquisition of Ally Lending’s business, and the launch of innovative health and wellness financing collaborations including a joint solution connecting CareCredit and Pets Best. Synchrony also increased its share repurchase authorization by $1 billion in 2025 to a total of $2.1 billion through mid-2026, underscoring its commitment to shareholder value. Operationally, the company has focused on improving credit risk metrics, increasing operational efficiency, and expanding its digital wallet and payment capabilities, including enhanced Apple Pay integration and rewards offerings. Synchrony Financial continues to diversify its portfolio and deepen its footprint in consumer finance through strategic alliances and product innovation.

Company News

MCPAPIChat
  • Synchrony's CareCredit Makes It Easy to Pay for Your Pet's Training, Boarding, Daycare and Grooming with Pet Resort Hospitality Group Partnership

  • Synchrony's Comeback Is Hiding in Plain Sight

  • Synchrony Financial (SYF) Presents at Morgan Stanley US Financials Conference 2026 Transcript

  • Synchrony Named No. 1 Best Workplace in New York by Fortune and Great Place To Work

  • CareCredit Now Available at LiveLoveSpa.com Checkout, Marking First eCommerce Partnership in the Cosmetic Space

  • Synchrony to Participate in the Morgan Stanley US Financials Conference

  • Synchrony (SYF) Down 8.4% Since Last Earnings Report: Can It Rebound?

  • Is Synchrony Financial (SYF) Overvalued After 3.8% Rally? GF Value Says Overvalued

  • The Issuers Pulling Ahead Are Building Into Customers' Money Flows

  • Treasury Yields Are at 4.42% and These 3 Digital Banks Under $50

  • 3 Bank of America Value 10 Stocks Pay Dividends and Trade Under 10X PE

  • Synchrony and CareCredit Lend a Helping Paw to College Puppy Raisers Training Canine Companions' Next Generation of Service Dogs

  • A Look at Synchrony Financial (SYF) After 3.9% Decline -- GF Value $58.90 vs Price $70.28

  • DICK'S Sporting Goods and Synchrony Level Up the DICK'S Credit Card, Offering Members 10% Back in ScoreCard Rewards on Qualifying Purchases

  • Synchrony Expands Partnership with Lowe's as New Issuer of Co-Brand Credit Card for Home Improvement Professionals

  • From Saving Today to Investing Tomorrow Most Consumers Want Financial Literacy Taught in Schools

  • Bread Financial Q1 Earnings Beat Estimates on Higher Credit Sales

  • Adobe Leads 3 Big Buyback Programs Worth Up to 25% of Market Cap

  • Chico's FAS Unveils First-Ever Credit Card Program and Reimagined Loyalty Experience Across Chico's, Soma, and White House Black Market in partnership with Synchrony and Mastercard

  • CPC Advisors LLC Has $8.92 Million Stock Holdings in Synchrony Financial $SYF