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Synchrony Financial (SYF) Stock

Synchrony Financial Stock Details, Movements and Public Alerts

Stock Details

Synchrony Financial (SYF), a prominent company in the financial services sector within the credit services industry, is based in USA and primarily trades on the NYSE.Currently, the stock is trading at $72.62. Over the past 52 weeks, it has ranged between $39.98 and $88.77. This places the current price at 81.8% of its 52-week high and 81.6% above its 52-week low. Recent trading volume was recorded at 7,035,501. The International Securities Identification Number (ISIN) for this stock is US87165B1035.

52-Week Range

$88.77 - $39.98

-18.19% from high · +81.64% from low

Avg Daily Volume

7,035,501

Latest volume

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

8.40

Below market average

Forward P/E

8.54

Earnings expected to decline

PEG Ratio

85.38

Potentially overvalued

Price to Book

1.78

EPS (TTM)

$9.12

Price to Sales

2.96

Beta

1.43

Similar volatility to market

Q:How is SYF valued relative to its earnings and growth?
Synchrony Financial trades at a P/E ratio of 8.40, which is below the market average of approximately 20. This lower valuation could indicate the market has modest growth expectations, or it might represent an undervalued opportunity if the fundamentals are strong. Looking ahead, the forward P/E of 8.54 is higher than the current P/E, indicating analysts expect earnings to decline over the next year. The PEG ratio of 85.38 indicates a premium valuation even accounting for growth.
Q:What is SYF's risk profile compared to the market?
With a beta of 1.43, Synchrony Financial is roughly as volatile as the market, moving in line with broad market trends. This moderate beta suggests the stock offers market-level returns without excessive volatility. The price-to-book ratio of 1.78 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

37.10%

Operating Margin

53.40%

Return on Equity

21.60%

Return on Assets

3.03%

Revenue Growth (YoY)

20.70%

Earnings Growth (YoY)

47.40%

Q:How profitable and efficient is SYF's business model?
Synchrony Financial achieves a profit margin of 37.10%, meaning it retains $37.10 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 53.40% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 21.60% and ROA at 3.03%, the company generates strong returns on invested capital.
Q:What are SYF's recent growth trends?
Synchrony Financial's revenue grew by 20.70% year-over-year, representing robust expansion that significantly outpaces typical market growth rates. This strong top-line performance suggests the company is successfully capturing market share or benefiting from favorable industry trends. Earnings increased by 47.40% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against CREDIT SERVICES industry averages for proper context.

Dividend Information

Dividend Per Share

$1.10

Dividend Yield

1.41%

Ex-Dividend Date

Nov 5, 2025

Dividend Date

Nov 17, 2025

Q:What dividend income can investors expect from SYF?
Synchrony Financial offers a dividend yield of 1.41%, paying $1.10 per share annually. This modest yield below 2% suggests the company prioritizes growth investments over current income. While the dividend provides some return, investors are likely attracted more by capital appreciation potential than income generation. To receive the next dividend, shares must be purchased before the ex-dividend date of Nov 5, 2025.
Q:How reliable is SYF's dividend for long-term investors?
The dividend sustainability can be assessed through the payout ratio - Synchrony Financial pays $1.10 per share in dividends against earnings of $9.12 per share, resulting in a payout ratio of 12.06%. This conservative payout below 30% indicates excellent dividend safety with substantial room for future increases. The company retains most earnings for growth while still rewarding shareholders. The next dividend payment is scheduled for Nov 17, 2025.

Company Size & Market

Market Cap

$28.5B

Revenue (TTM)

$9.64B

Revenue/Share (TTM)

$25.43

Shares Outstanding

360.17M

Book Value/Share

$43.99

Asset Type

Common Stock

Q:What is SYF's market capitalization and position?
Synchrony Financial has a market capitalization of $28.5B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 360.17M shares outstanding, the company's ownership is relatively concentrated. As a participant in the CREDIT SERVICES industry, it competes with other firms in this sector.
Q:How does SYF's price compare to its book value?
Synchrony Financial's book value per share is $43.99, while the current stock price is $72.62, resulting in a price-to-book (P/B) ratio of 1.65. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$92.61

27.53% upside potential

Analyst Recommendations

Strong Buy

3

Buy

11

Hold

8

Sell

0

Strong Sell

1

Q:How reliable are analyst predictions for SYF?
23 analysts cover SYF with 61% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The mixed views reflect uncertainty about the outlook. The consensus target of $92.61 implies 27.5% upside, but targets are often adjusted to follow price moves rather than predict them.
Q:What is the Wall Street consensus on SYF?
Current analyst recommendations:3 Strong Buy, 11 Buy, 8 Hold, 01 Strong Sell. The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Jan 25, 2026, 02:42 AM

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