Price
No data yet.
Social Signal Score
Analyst Ratings
41 analystsRevenue
$4.69B+50.27%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Brian D. Doubles
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 20,000
- Beta
- 1.31
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.83
Financials
Revenue
$4.69B+50.3%Net Income
$885.00M+46.5%EBITDA
$1.33B+30.6%Free Cash Flow
$2.42B+33.3%EPS (diluted)
$2.59+254.8%Shares Outstanding (diluted)
334.10M-59.8%Operating Expenses
$653.00MCash & Debt
$16.19BReturn of Capital
$999.00MDividend per Share
$0.34Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $19.12B | $3.55B | $9.35 |
| 2024 | $20.76B | $3.50B | $8.64 |
| 2023 | $17.34B | $2.24B | $5.21 |
| 2022 | $13.20B | $3.02B | $6.19 |
| 2021 | $11.22B | $4.22B | $7.40 |
| 2020 | $12.83B | $1.39B | $2.28 |
| 2019 | $15.60B | $3.75B | $5.59 |
| 2018 | $15.15B | $2.79B | $3.76 |
| 2017 | $13.76B | $1.94B | $2.43 |
| 2016 | $12.22B | $2.25B | $2.71 |
| 2015 | $10.88B | $2.21B | $2.66 |
| 2014 | $10.15B | $2.11B | $2.78 |
| 2013 | $9.44B | $1.98B | $2.38 |
| 2012 | $8.81B | $2.12B | $2.55 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from SYF's reported EPS growth of 10.5% a year over 13 years.
- EPS in 5 years
- $16.35
- Implied price
- $147.18
- Return from $71.77
- 15.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $73.17 — today's price is already 1.9% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| 0.5% | -6.6% | -0.1% | 5.0% | 9.3% | 13.0% |
| 5.5% | -2.0% | 4.8% | 10.2% | 14.7% | 18.6% |
| 10.5% | 2.6% | 9.8% | 15.4% | 20.2% | 24.3% |
| 15.5% | 7.3% | 14.8% | 20.7% | 25.6% | 29.9% |
| 20.5% | 11.9% | 19.7% | 25.9% | 31.0% | 35.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
30-80.65%Social Signal Score
Mentions (16)
- Newszacks.com·3d ago·Negative
Synchrony Deepens CareCredit's Veterinary Reach With Vetspire Tie-Up SYF is embedding CareCredit financing into Vetspire's platform, expanding veterinary payment access and creating room for further clinic adoption.
View source ↗ - Newszacks.com·5d ago·Negative
How Can Trust Shape Synchrony Financial's AI Shopping Opportunity? SYF sees trust as key to AI shopping adoption, with fraud protection, transparency and control shaping how far consumers will go.
View source ↗ - Newsprnewswire.com·6d ago·Negative
Synchrony and Oxford Economics Find Trust Will Define the Future of AI Shopping New research shows consumers are more willing to let AI make purchases when they have clear protection, transparency and control Key Highlights Security and transparency matter most: Keeping data secure (82%) and being transparent about how it is used (77%) matter more to consumers than saving time (58%). Fraud protection drives adoption: 67% would use AI more if it included fraud protection.
View source ↗ - News (Marketaux)acquirersmultiple.com·8d ago·Positive
The 10 Cheapest Large-Cap Stocks This Week However, Synchrony Financia[+367 characters]
View source ↗ - Newsseekingalpha.com·13d ago·Positive
Synchrony Financial: A Compounding Machine At 8x Earnings Synchrony combines 20%+ ROE with a single-digit earnings multiple, creating an attractive entry point for outsized long-term returns. Aggressive buybacks are central to the thesis, allowing shareholders to benefit without requiring the earnings multiple to rerate. The investment case works without meaningful organic growth, while any acceleration in growth would provide an additional tailwind.
View source ↗ - Newsprnewswire.com·14d ago·Neutral
Synchrony to Announce Third Quarter 2026 Financial Results on October 20, 2026 STAMFORD, Conn., Sept. 22, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2026 results on Tuesday, October 20, 2026.
View source ↗ - Newsmarketbeat.com·15d ago·Neutral
Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook Synchrony Financial NYSE: SYF Chief Financial Officer Brian Wenzel said the company was seeing high-single-digit purchase-volume growth roughly 2.5 months into the third quarter, consistent with the approximately 8% growth reported during the second quarter.
View source ↗ - Newsseekingalpha.com·21d ago·Positive
Synchrony Financial (SYF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript Synchrony Financial (SYF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
View source ↗ - News (Marketaux)acquirersmultiple.com·34d ago·Positive
This Week’s Deep-Value Landscape: Acquirer’s Multiple Large-Cap Screen Financials are led by Synchrony[+308 characters]
View source ↗ - Newszacks.com·46d ago·Neutral
Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report? Synchrony (SYF) reported earnings 30 days ago. What's next for the stock?
View source ↗ - News (Marketaux)acquirersmultiple.com·48d ago·Positive
This Week’s Deep-Value Landscape: Acquirer’s Multiple Large-Cap Screen Financials are led by Synchrony[+325 characters]
View source ↗ - Newszacks.com·48d ago·Positive
Synchrony and OpenAI Partner to Drive Growth in Agentic Commerce SYF is partnering with OpenAI to bring financing, rewards and loyalty into AI-led shopping as agentic commerce gains traction.
View source ↗ - News (RSS)investing·49d ago·Neutral
Synchrony partners with OpenAI for AI shopping integration
View source ↗ - Newsprnewswire.com·53d ago·Neutral
Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation STAMFORD, Conn., Aug. 13, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF), a premier consumer financial services company, announced the appointment of Nimrod Barak as Chief AI Officer effective June 30, 2026.
View source ↗ - Newszacks.com·53d ago·Positive
Can SYF Turn Record Purchase Volume Into Stronger Earnings? Synchrony Financial's record purchase volume and rising card spending could lift loan receivables and earnings in the second half of 2026.
View source ↗ - Newsprnewswire.com·53d ago·Neutral
New CareCredit Research Finds Americans Want to Stay Active and Age Well, but Many Overlook Chiropractic Care National ChiroIQ survey shows that firsthand experience, better information and improved access can help more people understand the role chiropractic care may play in long-term health and wellness Key Highlights: Consumers want the benefits chiropractic care can provide, such as better mobility and support for long-term wellness, but they don't always realize chiropractic care can help d
View source ↗
Earnings
Tue, Oct 20(in 2 weeks)
Consensus estimate $2.40 per share
Typical surprise +13.2% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 21$2.59 vs $2.14beat
- Tue, Apr 21$2.27 vs $2.20beat
- Tue, Jan 27$2.07 vs $2.05beat
- Wed, Oct 15$2.86 vs $2.26beat
- Tue, Jul 22$2.50 vs $1.82beat
- Tue, Apr 22$1.89 vs $1.67beat
Estimates and results for SYF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by SYF officers and directors.
- Bought
- —
- Sold
- $5.9m
0 trades
12 trades
- Casellas Albertosold
- Owens Darrellsold
- Gentleman Courtneysold
- Coviello Arthur W Jrsold
- Mothner Jonathan Ssold
- Howse Curtissold
- Coviello Arthur W Jrsold
- Casellas Albertosold
88 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Alan Armstrongsenate · disclosed Jul 21, 2026 (116d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jul 8, 2026 (36d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed May 20, 2026 (41d later)Sell$15,001 - $50,000
- Julia Letlowhouse · LA05 · disclosed Jan 13, 2026 (195d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Dec 6, 2023 (33d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Nov 8, 2023 (8d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jun 12, 2023 (24d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jun 12, 2023 (20d later)Buy$1,001 - $15,000
- Daniel Goldmanhouse · NY10 · disclosed May 19, 2023 (39d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed May 8, 2023 (28d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed May 8, 2023 (13d later)Buy$1,001 - $15,000
- Ann Wagnerhouse · MO02 · disclosed Apr 21, 2023 (29d later)Buy$100,001 - $250,000
- Ro Khannahouse · CA17 · disclosed Apr 7, 2023 (14d later)Sell$1,001 - $15,000
- Kurt Schraderhouse · OR05 · disclosed Dec 8, 2022 (30d later)Buy$1,001 - $15,000
- Kathy E. Manninghouse · NC06 · disclosed Sep 14, 2022 (42d later)Sell$1,001 - $15,000
- Susie Leehouse · NV03 · disclosed Aug 13, 2022 (317d later)Sell$1,001 - $15,000
- Kathy E. Manninghouse · NC06 · disclosed Aug 10, 2022 (21d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jul 7, 2022 (20d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jul 7, 2022 (10d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jul 7, 2022 (21d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.