Synchrony Financial (SYF)
| Market Cap | 26.28B -3.5% |
| Revenue (ttm) | 9.91B +7.9% |
| Net Income | 3.44B +7.0% |
| EPS | 9.77 +18.9% |
| Shares Out | 325.37M |
| PE Ratio | 8.27 |
| Forward PE | 8.38 |
| Dividend | $1.36 (1.68%) |
| Ex-Dividend Date | Aug 5, 2026 |
| Volume | 3,918,272 |
| Open | 80.51 |
| Previous Close | 80.02 |
| Day's Range | 79.21 - 80.88 |
| 52-Week Range | 63.08 - 88.77 |
| Beta | 1.31 |
| Analysts | Buy |
| Price Target | 89.09 (+10.3%) |
| Earnings Date | Oct 14, 2026 |
About SYF
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affi... [Read more]
Financial Performance
In 2025, Synchrony Financial's revenue was $9.76 billion, an increase of 3.88% compared to the previous year's $9.39 billion. Earnings were $3.47 billion, an increase of 1.23%.
Financial StatementsAnalyst Summary
According to 24 analysts, the average rating for SYF stock is "Buy." The 12-month stock price target is $89.09, which is an increase of 10.30% from the latest price.
News
Synchrony price target raised to $90 from $85 at Wolfe Research
Wolfe Research analyst Darrin Peller raised the firm’s price target on Synchrony (SYF) to $90 from $85 and keeps an Outperform rating on the shares. he firm updated estimates, targets…
Credit card issuer Synchrony announces partnership with OpenAI
Synchrony Financial announced a collaboration with OpenAI. The partnership allows the artificial intelligence company's models to power the card company's consumer portals.
Synchrony Debuts ChatGPT Plugin to Promote Offers
Consumer financial services company Synchrony will launch a ChatGPT plugin that will allow consumers to discover savings and offers from the Synchrony Marketplace within OpenAI's ChatGPT and browse pr...
Synchrony enters enterprise collaboration with OpenAI
Synchrony (SYF) announced an enterprise collaboration with OpenAI to strengthen Synchrony’s positioning at the center of AI’s next chapter in shopping and payments. The collaboration supports the comp...
Credit card issuer Synchrony partners with OpenAI for ChatGPT shopping
Synchrony Financial is partnering with OpenAI to allow shoppers buy products directly inside ChatGPT using store-branded cards. The company issues credit cards for brands including Amazon, Walmart and...
Synchrony Announces Enterprise Collaboration with OpenAI to Power the Next Era of Agentic Commerce
Synchrony's collaboration with OpenAI emphasizes innovative AI strategy and investments to lead in agentic commerce Key Highlights (LLM & Reader Snapshot) Synchrony (NYSE: SYF) has entered an enterpri...
Synchrony hires Nimrod Barak as Chief AI Officer
Synchrony (SYF) appointed Nimrod Barak as Chief AI Officer effective June 30. Barak most recently served as Managing Director, Head of AI Center of Excellence and Emerging Technologies at Citi.
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, 20...
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...
Synchrony and PayPal Bring Special Financing to Entire Mastercard Network
Synchrony and PayPal now offer PayPal Credit Card cardholders special financing everywhere Mastercard is accepted. This special financing is now available both in online checkout and in stores across ...
Synchrony's CareCredit Expands Access to Financing for Health & Wellness Providers with New Stripe Partnership
Health and wellness providers and retailers using Stripe can soon offer CareCredit to customers directly within their existing payment platform, making it easier to offer trusted financing while expan...
Synchrony price target raised to $87 from $84 at UBS
UBS raised the firm’s price target on Synchrony (SYF) to $87 from $84 and keeps a Neutral rating on the shares.
Summer Is On! Flexible Payments Help Consumers Keep It That Way
Key Highlights New Synchrony research finds six in ten consumers say flexible payment options help make summer activities and purchases possible Half of consumers have applied or plan to apply for fin...
3 Ways Card Issuers Are Looking Beyond Credit Scores
Capital One and Synchrony earnings results this week highlight a consumer credit market that is becoming more segmented: lenders are drawing finer distinctions within credit tiers, millions of new acc...
Synchrony price target raised to $104 from $101 at Deutsche Bank
Deutsche Bank raised the firm’s price target on Synchrony (SYF) to $104 from $101 and keeps a Buy rating on the shares. The company’s inline Q2 report shows improving growth,…
Synchrony price target lowered to $80 from $85 at RBC Capital
RBC Capital analyst Jon Arfstrom lowered the firm’s price target on Synchrony (SYF) to $80 from $85 and keeps a Sector Perform rating on the shares after its Q2 results.
Synchrony price target raised to $90 from $86 at Baird
Baird raised the firm’s price target on Synchrony (SYF) to $90 from $86 and keeps an Outperform rating on the shares. The firm updated its model following quarterly results showed…
Synchrony price target lowered to $88 from $95 at Wells Fargo
Wells Fargo lowered the firm’s price target on Synchrony (SYF) to $88 from $95 and keeps an Overweight rating on the shares. The firm believes net interest margin should increase…
Synchrony CFO Sees Consumers Spending Through Inflation Pressure
The prevailing narrative says the consumer, squeezed by inflation, higher gas prices and a steady sense of uncertainty, is ready to pull back. Synchrony's second-quarter results point in a more optimi...
Synchrony Financial Earnings Call Transcript: Q2 2026
Strong account and purchase volume growth drove record Q2 results, with net earnings of $885 million and robust returns. Guidance was raised for full-year EPS, and capital returns remain a priority. Consumer spending and credit trends remain resilient despite elevated payment rates.
Synchrony Financial Slides: Q2 2026
Synchrony Financial has posted slides in relation to its Q2 2026 quarterly earnings report, which was published on July 21, 2026.
Synchrony Financial Earnings release: Q2 2026
Synchrony Financial released its Q2 2026 earnings on July 21, 2026, summarizing the period's financial results.
Synchrony Financial Quarterly report: Q2 2026
Synchrony Financial has published its Q2 2026 quarterly earnings report on July 21, 2026.
Synchrony reports Q2 EPS $2.59, consensus $2.13
Reports Q2 tangible book value per share $42.01. Reports Q2 CET1 capital ratio 13.2%. “Synchrony’s (SYF) second quarter performance reflected clear momentum across our core business drivers,” said Bri...
Synchrony Reports Second Quarter 2026 Results
Company Announces Quarterly Common Stock Dividend of $0.34 Per Share STAMFORD, Conn., July 21, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its second quarter 2026 results for ...