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SYNCHRONY FINANCIAL (SYF)
Price$75.17
Favorite Metrics
Price vs S&P 500 (26W)3.09%
Price vs S&P 500 (4W)10.78%
Market Capitalization$26.41B
P/E Ratio (Annual)7.44x
Indicated Dividend Yield (Annual)1.58%
All Metrics
P/CF (Annual)2.68x
Book Value / Share (Quarterly)$48.32
P/TBV (Annual)1.94x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)-3.52%
Cash Flow / Share (Quarterly)$28.39
Payout Ratio (TTM)14.36%
Price vs S&P 500 (YTD)-11.56%
Net Profit Margin (TTM)14.06%
EPS (TTM)$9.51
10-Day Avg Trading Volume2.96M
EPS Excl Extra (TTM)$9.51
Revenue Growth (5Y)0.89%
EPS (Annual)$9.50
Dividend / Share (Annual)$1.39
ROI (Annual)11.12%
Net Profit Margin (5Y Avg)19.17%
Cash / Share (Quarterly)$37.80
P/E Basic Excl Extra (TTM)7.44x
Revenue Growth QoQ (YoY)23.31%
EPS Growth (5Y)32.29%
P/E Normalized (Annual)7.44x
ROA (Last FY)2.98%
Revenue Growth TTM (YoY)20.48%
EBITD / Share (TTM)$13.73
ROE (5Y Avg)22.55%
Operating Margin (TTM)18.39%
Cash Flow / Share (Annual)$28.39
P/B Ratio1.58x
P/B Ratio (Quarterly)1.79x
Net Income / Employee (Annual)$0
ROA (TTM)2.97%
EPS Growth QoQ (YoY)7.29%
EV / EBITDA (TTM)8.10x
EPS Incl Extra (Annual)$9.50
3-Month Avg Trading Volume4.15M
52-Week Price Return61.82%
EV / Free Cash Flow (Annual)4.22x
P/E Incl Extra (TTM)7.44x
Tangible BV / Share (Quarterly)$44.70
P/S Ratio (Annual)0.77x
52-Week High$88.77
Operating Margin (5Y Avg)25.03%
EPS Excl Extra (Annual)$9.50
Tangible BV CAGR (5Y)6.03%
26-Week Price Return7.07%
13-Week Price Return-4.57%
Total Debt / Equity (Annual)0.91x
Enterprise Value$41,592.365
Revenue / Share Growth (5Y)11.59%
Book Value / Share Growth (5Y)17.31%
Revenue / Employee (Annual)$876,986
Pretax Margin (Annual)24.75%
Cash / Share (Annual)$23.49
3-Month Return Std Dev37.43%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)18.69%
EBITDA Interim CAGR (5Y)1.02%
ROE (Last FY)21.19%
EPS Basic Excl Extra (Annual)$9.50
P/FCF (TTM)2.68x
EV / Free Cash Flow (TTM)4.22x
Total Debt / Equity (Quarterly)0.91x
EPS Incl Extra (TTM)$9.51
ROI (TTM)10.93%
Dividend Growth Rate (5Y)8.17%
P/S Ratio (TTM)0.73x
Pretax Margin (5Y Avg)25.03%
Revenue / Share (Annual)$33.11
Tangible BV / Share (Annual)$44.70
Forward P/E8.19x
Free OCF CAGR (5Y)5.64%
Price vs S&P 500 (52W)31.99%
P/E Ratio (TTM)7.44x
EPS Growth TTM (YoY)9.12%
Year-to-Date Return-8.92%
5-Day Price Return4.83%
EPS Normalized (Annual)$9.50
ROA (5Y Avg)3.02%
Net Profit Margin (Annual)18.84%
Month-to-Date Return11.72%
Cash Flow / Share (TTM)$6.42
EBITD / Share (Annual)$13.73
EPS Growth (3Y)15.04%
Operating Margin (Annual)24.75%
LT Debt / Equity (Annual)0.91x
P/CF (TTM)2.68x
ROI (5Y Avg)11.13%
P/E Excl Extra (TTM)7.44x
LT Debt / Equity (Quarterly)0.91x
EPS Basic Excl Extra (TTM)$9.51
P/TBV (Quarterly)1.94x
Payout Ratio (Annual)14.36%
P/B Ratio (Annual)1.79x
Dividend / Share (TTM)$1.39
Pretax Margin (TTM)18.39%
Book Value / Share (Annual)$48.32
Price vs S&P 500 (13W)-5.26%
Net Margin Growth (5Y)6.60%
Dividend Yield (TTM)1.93%
Beta1.41x
P/FCF (Annual)2.68x
Revenue / Share (TTM)$39.08
ROE (TTM)21.09%
52-Week Low$46.08
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.85
3.93
4.00
4.00
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
SYFSYNCHRONY FINANCIAL | 7.44x | 21.09% | 18.39% | 0.89% | $75.17 |
AXPAmerican Express Company | 20.67x | 33.49% | 17.76% | 15.25% | $325.76 |
COINCoinbase Global, Inc. Class A Common Stock | 41.05x | 9.44% | 19.99% | 41.24% | $199.82 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $148.94 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.06 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.11 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $98.83 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $74.75 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $107.46 |
SOFISoFi Technologies, Inc. Common Stock | 49.78x | 5.87% | -19.92% | — | $19.03 |
IRENIREN Limited Ordinary Shares | 186.29x | 16.17% | -19.10% | 196.84% | $47.70 |
About
Synchrony Financial is the largest provider of private-label credit cards in the United States by receivables and transaction volume, serving major retailers through partnerships. The company operates three core segments: retail credit cards, promotional financing for large-ticket purchases, and CareCredit for healthcare procedures, distributing products across physical stores, websites, and mobile platforms. Revenue is generated through interest income, fees, and other financial services across its diversified lending portfolio.