SYNCHRONY FINANCIAL (SYF) Stock Price

SYFStock

$78.05+1.92%52W

Market Cap$25.40B

P/E7.34x

PEG Ratio1.14

Div yield3.35%

Beta1.35

SYF Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-1.64%

Price vs S&P 500 (4W)-1.27%

PEG Ratio1.14

VGM Score60.06

P/E Ratio (Annual)7.34x

Indicated Dividend Yield (Annual)3.35%

P/CF (Annual)2.65x

Book Value / Share (Quarterly)$51.99

P/TBV (Annual)1.94x

Indicated Dividend (Annual)$1.36

Revenue Growth (3Y)-3.52%

Cash Flow / Share (Quarterly)$29.83

Payout Ratio (TTM)14.30%

Price vs S&P 500 (YTD)-19.27%

Net Profit Margin (TTM)14.06%

EPS (TTM)$9.99

10-Day Avg Trading Volume3.68M

EPS Excl Extra (TTM)$9.99

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)7.41x

Revenue Growth QoQ (YoY)23.31%

EPS Growth (5Y)32.29%

P/E Normalized (Annual)7.34x

ROA (Last FY)2.98%

Revenue Growth TTM (YoY)20.48%

EBITD / Share (TTM)$9.86

ROE (5Y Avg)22.55%

Operating Margin (TTM)18.39%

Cash Flow / Share (Annual)$28.39

P/B Ratio1.54x

P/B Ratio (Quarterly)1.51x

Net Income / Employee (Annual)$177,600

ROA (TTM)2.93%

EPS Growth QoQ (YoY)3.85%

EV / EBITDA (TTM)7.78x

EPS Incl Extra (Annual)$9.50

3-Month Avg Trading Volume3.73M

52-Week Price Return1.92%

EV / Free Cash Flow (Annual)4.31x

P/E Incl Extra (TTM)7.41x

Tangible BV / Share (Quarterly)$51.52

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 Return10.29%

13-Week Price Return9.21%

Total Debt / Equity (Annual)0.91x

Enterprise Value$42.49B

Revenue / Share Growth (5Y)11.59%

Book Value / Share Growth (5Y)17.31%

Revenue / Employee (Annual)$876,986,300,000

Pretax Margin (Annual)24.75%

Cash / Share (Annual)$23.49

3-Month Return Std Dev34.89%

Net Income / Employee (TTM)$175,900

EBITDA CAGR (5Y)3.50%

EBITDA Interim CAGR (5Y)-0.77%

ROE (Last FY)21.19%

EPS Basic Excl Extra (Annual)$9.50

P/FCF (TTM)2.69x

EV / Free Cash Flow (TTM)4.38x

Total Debt / Equity (Quarterly)0.97x

EPS Incl Extra (TTM)$9.99

ROI (TTM)10.85%

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/E7.71x

Free OCF CAGR (5Y)5.64%

Price vs S&P 500 (52W)-16.64%

P/E Ratio (TTM)7.41x

EPS Growth TTM (YoY)18.30%

Year-to-Date Return-6.45%

5-Day Price Return-2.46%

EPS Normalized (Annual)$9.50

ROA (5Y Avg)3.02%

Net Profit Margin (Annual)18.84%

Month-to-Date Return2.98%

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)2.69x

ROI (5Y Avg)11.13%

P/E Excl Extra (TTM)7.41x

LT Debt / Equity (Quarterly)0.97x

EPS Basic Excl Extra (TTM)$9.99

P/TBV (Quarterly)1.53x

Payout Ratio (Annual)14.36%

P/B Ratio (Annual)1.79x

Dividend / Share (TTM)$1.44

Pretax Margin (TTM)18.39%

Book Value / Share (Annual)$48.32

Price vs S&P 500 (13W)7.25%

Net Margin Growth (5Y)6.60%

Dividend Yield (TTM)1.93%

Beta1.35x

P/FCF (Annual)2.65x

Revenue / Share (TTM)$39.08

ROE (TTM)20.94%

52-Week Low$63.08

vGradeB

gGradeC

mGradeB

vgmGradeB

SYF Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 21, 2026	$2.13	$2.59	+21.85%(+$0.46)
Q1 2026	Apr 21, 2026	$2.16	$2.27	+5.09%(+$0.11)
Q4 2025	Jan 27, 2026	$2.02	$2.18	+7.83%(+$0.16)
Q3 2025	Oct 15, 2025	$2.21	$2.86	+29.32%(+$0.65)
Q2 2025	Jul 22, 2025	$1.79	$2.50	+39.29%(+$0.71)

SYF Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.93

3.89

3.86

Industry Peers — Finance Services(168)

Symbol	Value Score	Growth Score	Momentum Score	Price
SYFSYNCHRONY FINANCIAL	B	C	B	$78.05
AXPAmerican Express Company	D	B	B	$333.20
NUNu Holdings Ltd.	D	B	C	$14.30
MSTRStrategy Inc Common Stock Class A	D	D	C	$127.31
COINCoinbase Global, Inc. Class A Common Stock	D	C	C	$178.64
CRCLCircle Internet Group, Inc.	D	C	C	$87.14
SOFISoFi Technologies, Inc. Common Stock	D	B	C	$18.06
BMNRBitMine Immersion Technologies, Inc.	D	A	B	$23.80
IRENIREN Limited Ordinary Shares	F	B	C	$35.45
CHYMChime Financial, Inc. Class A Common Stock	D	B	A	$33.20
HUTHut 8 Corp. Common Stock	F	A	B	$79.42
WULFTeraWulf Inc. Common Stock	F	C	C	$15.35
RIOTRiot Platforms, Inc. Common Stock	D	C	C	$18.99
CIFRCipher Digital Inc. Common Stock	F	D	C	$15.17
KLARKlarna Group plc	C	B	C	$14.20
CORZCore Scientific, Inc. Common Stock	D	B	C	$16.51
BLSHBullish	C	F	C	$32.89
DAVEDave Inc. Class A Common Stock	D	B	A	$378.55
MARAMARA Holdings, Inc. Common Stock	C	C	C	$10.67
GPGIGPGI, Inc.	—	—	C	$13.25
SIISprott Inc.	D	B	B	$132.95
XXITwenty One Capital, Inc.	—	—	D	$6.01
IONDIonic Digital Inc. Class A Common Stock	—	—	B	$71.31
CLSKCLEANSPARK INC	D	C	C	$11.66
UPSTUpstart Holdings, Inc. Common stock	D	B	C	$29.08
BTDRBitdeer Technologies Group Class A Ordinary Shares	D	A	D	$10.32
PURRHyperliquid Strategies Inc Common Stock	—	—	A	$11.61
KEELKeel Infrastructure Corp. Common Stock	—	F	D	$3.22
ASSTStrive, Inc. Class A Common Stock	D	A	B	$21.74
PGYPagaya Technologies Ltd. Class A Ordinary Shares	C	B	B	$21.98
SBETSharplink, Inc. Common Stock	D	A	B	$8.20
PWPPerella Weinberg Partners Class A Common Stock	D	D	C	$16.98
WDWalker & Dunlop, Inc.	B	D	C	$41.35
WLTHWealthfront Corporation Common Stock	C	D	C	$9.25
LULufax Holding Ltd. American Depositary Shares, each representing two (2) Ordinary Shares	B	C	D	$1.31
QFINQfin Holdings, Inc. American Depositary Shares	A	C	F	$8.80
RHLDResolute Holdings Management, Inc.	C	A	B	$135.55
SECZSecuritize Corp.	F	—	C	$6.29
TRONTron Inc. Common Stock	F	C	B	$2.08
BURBurford Capital Limited	C	F	D	$4.36
ABTCAmerican Bitcoin Corp. Class A Common Stock	C	A	F	$7.69
BTGOBitGo Holdings, Inc.	C	A	B	$6.86
HIVEHIVE Digital Technologies Ltd. Common Shares	C	B	C	$2.77
GDOTGreen Dot Corporation	C	C	B	$13.34
VELVelocity Financial, Inc.	C	C	C	$18.01
WYFIWhiteFiber, Inc. Ordinary Shares	D	B	D	$17.75
OPFIOppFi Inc.	B	C	C	$7.07
GEMIGemini Space Station, Inc. Class A Common Stock	—	B	C	$4.30
HKDAMTD Digital Inc. American Depositary Shares (every five of which represent two Class A Ordinary Shares)	D	C	B	$1.70
BTBTBit Digital, Inc. Ordinary Shares	C	B	D	$1.43
FWDIForward Industries, Inc. Common Stock	D	B	B	$5.89

About SYNCHRONY FINANCIAL

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.