Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
77.12
+1.81 (2.40%)
At close: Jul 28, 2026, 4:00 PM EDT
77.10
-0.02 (-0.03%)
After-hours: Jul 28, 2026, 7:34 PM EDT
Synchrony Financial Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 28, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
| 25,093 | 24,716 | 22,923 | 28,950 | 26,435 | 25,405 | 20,675 | 25,302 | 19,415 | 18,646 | 17,309 | 15,539 | 12,649 | 14,182 | 12,462 | 14,400 | 12,937 | 13,474 | 17,622 | 24,440 | |
Market Cap Growth (YoY) | -7.49% | -2.71% | 10.87% | 14.42% | 36.16% | 36.25% | 19.45% | 62.83% | 53.48% | 31.47% | 38.89% | 7.91% | -2.22% | 5.26% | -29.28% | -41.08% | -51.64% | -51.57% | -25.42% | 20.57% |
Last Close Price | 77.12 | 76.05 | 68.02 | 83.43 | 71.05 | 66.74 | 52.94 | 65.00 | 49.88 | 47.19 | 43.12 | 38.19 | 30.57 | 33.92 | 29.08 | 32.86 | 28.19 | 27.62 | 34.81 | 46.39 |
Price Ratios
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 28, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 7.90 | 7.79 | 7.03 | 8.99 | 7.76 | 8.10 | 7.26 | 7.60 | 6.51 | 6.55 | 6.19 | 7.36 | 5.65 | 6.28 | 5.12 | 5.34 | 4.46 | 4.03 | 4.72 | 6.32 |
Forward PE | 8.01 | 7.91 | 7.37 | 9.14 | 8.04 | 8.00 | 6.93 | 9.08 | 8.39 | 8.16 | 7.76 | 7.20 | 5.70 | 6.26 | 5.65 | 6.59 | 5.26 | 5.00 | 6.32 | 7.93 |
PEG Ratio | 1.04 | 0.89 | 0.84 | 0.59 | 0.48 | 0.45 | 0.47 | 0.22 | 0.22 | 0.60 | 0.60 | 0.23 | 0.09 | 0.19 | 0.17 | 0.25 | 0.18 | 0.18 | 0.22 | 0.15 |
PS Ratio | 2.53 | 2.49 | 2.32 | 2.97 | 2.74 | 2.77 | 2.38 | 2.69 | 2.16 | 2.12 | 2.00 | 2.03 | 1.64 | 1.84 | 1.57 | 1.74 | 1.51 | 1.49 | 1.86 | 2.58 |
PB Ratio | 1.65 | 1.46 | 1.39 | 1.73 | 1.55 | 1.50 | 1.25 | 1.53 | 1.21 | 1.20 | 1.13 | 1.12 | 0.92 | 1.06 | 0.94 | 1.12 | 0.99 | 1.01 | 1.31 | 1.79 |
P/TBV Ratio | 1.76 | 1.65 | 1.69 | 1.95 | 1.77 | 1.71 | 1.43 | 1.78 | 1.42 | 1.41 | 1.31 | 1.31 | 1.11 | 1.30 | 1.18 | 1.34 | 1.22 | 1.23 | 1.62 | 2.21 |
P/FCF Ratio | - | 2.55 | 2.33 | 2.94 | 2.71 | 2.57 | 2.11 | 2.57 | 1.98 | 1.96 | 1.93 | 1.81 | 1.56 | 1.95 | 1.73 | 2.15 | 1.89 | 1.92 | 2.65 | 3.44 |
P/OCF Ratio | 2.59 | 2.55 | 2.33 | 2.94 | 2.71 | 2.57 | 2.11 | 2.57 | 1.98 | 1.96 | 1.93 | 1.81 | 1.56 | 1.95 | 1.73 | 2.15 | 1.89 | 1.92 | 2.65 | 3.44 |
Financial Efficiency
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 28, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Debt / Equity Ratio | 0.97 | 0.97 | 1.00 | 0.91 | 0.85 | 0.94 | 1.03 | 0.93 | 0.98 | 1.01 | 1.06 | 1.15 | 1.11 | 1.06 | 1.13 | 1.10 | 1.10 | 0.91 | 1.00 | 1.06 |
Debt / FCF Ratio | 1.70 | 6.79 | 7.53 | 6.19 | 5.47 | 6.25 | 7.73 | 6.57 | 5.66 | 6.30 | 7.18 | 6.90 | 6.14 | 7.46 | 7.92 | 7.68 | 8.76 | 6.69 | 9.57 | 7.24 |
Net Debt / Equity Ratio | 0.97 | 0.97 | 1.00 | 0.91 | 0.85 | 0.94 | 1.03 | 0.93 | 0.98 | 1.01 | 1.06 | 1.15 | 1.11 | 1.06 | 1.13 | 1.10 | 1.10 | 0.91 | 1.00 | 1.06 |
Net Debt / FCF Ratio | 1.70 | 6.79 | 7.53 | 6.19 | 5.47 | 6.25 | 7.73 | 6.57 | 5.66 | 6.30 | 7.18 | 6.90 | 6.14 | 7.46 | 7.92 | 7.68 | 8.76 | 6.69 | 9.57 | 7.24 |
Asset Turnover | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Return on Equity (ROE) | 5.23% | 5.23% | 4.87% | 4.50% | 6.52% | 5.95% | 4.75% | 5.08% | 5.30% | 4.45% | 9.08% | 3.29% | 4.69% | 4.25% | 4.52% | 4.35% | 5.22% | 5.83% | 6.94% | 6.17% |
Yields
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 28, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 13.69% | 12.83% | 14.22% | 11.12% | 12.89% | 12.35% | 13.77% | 13.15% | 15.36% | 15.26% | 16.16% | 13.59% | 17.70% | 15.92% | 19.53% | 18.72% | 22.42% | 24.80% | 21.17% | 15.82% |
FCF Yield | - | 39.22% | 42.90% | 34.03% | 36.88% | 38.87% | 47.40% | 38.92% | 50.54% | 51.12% | 51.74% | 55.30% | 64.22% | 51.30% | 57.65% | 46.49% | 52.96% | 52.19% | 37.77% | 29.05% |
Dividend Yield | 1.76% | 0.40% | 0.45% | 0.36% | 0.42% | 0.45% | 0.48% | 0.38% | 0.51% | 0.53% | 0.58% | 0.65% | 0.82% | 0.69% | 0.79% | 0.70% | 0.83% | 0.79% | 0.64% | 0.48% |
Payout Ratio | 12.70% | 11.57% | 13.27% | 14.52% | 10.41% | 12.05% | 13.18% | 12.88% | 12.89% | 16.03% | 7.96% | 24.01% | 16.83% | 17.71% | 16.95% | 18.17% | 15.75% | 13.62% | 12.36% | 14.94% |
Buyback Yield / Dilution | 9.79% | 11.87% | 11.15% | 9.42% | 6.71% | 5.84% | 4.61% | 4.78% | 5.23% | 5.09% | 6.63% | 7.64% | 11.11% | 14.35% | 15.84% | 17.33% | 16.78% | 14.85% | 11.57% | 7.43% |
Total Shareholder Return | 11.56% | 12.27% | 11.59% | 9.78% | 7.13% | 6.29% | 5.08% | 5.16% | 5.74% | 5.62% | 7.22% | 8.30% | 11.93% | 15.05% | 16.63% | 18.03% | 17.60% | 15.65% | 12.21% | 7.91% |