Synchrony Financial (SYF)

Synchrony Financial Statistics

Total Valuation

SYF has a market cap or net worth of $28.49 billion. The enterprise value is $25.07 billion.

Market Cap	28.49B
Enterprise Value	25.07B

Important Dates

The next estimated earnings date is Wednesday, October 15, 2025, before market open.

Earnings Date	Oct 15, 2025
Ex-Dividend Date	Aug 5, 2025

Share Statistics

SYF has 372.06 million shares outstanding. The number of shares has decreased by -6.17% in one year.

Current Share Class	372.06M
Shares Outstanding	372.06M
Shares Change (YoY)	-6.17%
Shares Change (QoQ)	-2.65%
Owned by Insiders (%)	0.38%
Owned by Institutions (%)	104.91%
Float	369.84M

Valuation Ratios

The trailing PE ratio is 9.33 and the forward PE ratio is 8.76. SYF's PEG ratio is 0.51.

PE Ratio	9.33
Forward PE	8.76
PS Ratio	3.18
Forward PS	1.50
PB Ratio	1.79
P/TBV Ratio	2.10
P/FCF Ratio	n/a
P/OCF Ratio	2.89
PEG Ratio	0.51

Enterprise Valuation

EV / Earnings	7.83
EV / Sales	2.73
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.23%.

Return on Equity (ROE)	20.23%
Return on Assets (ROA)	2.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$459,250
Profits Per Employee	$160,150
Employee Count	20,000
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SYF has paid $954.00 million in taxes.

Income Tax	954.00M
Effective Tax Rate	22.49%

Stock Price Statistics

The stock price has increased by +56.89% in the last 52 weeks. The beta is 1.48, so SYF's price volatility has been higher than the market average.

Beta (5Y)	1.48
52-Week Price Change	+56.89%
50-Day Moving Average	69.96
200-Day Moving Average	62.70
Relative Strength Index (RSI)	71.87
Average Volume (20 Days)	3,179,370

Short Selling Information

The latest short interest is 14.53 million, so 3.91% of the outstanding shares have been sold short.

Short Interest	14.53M
Short Previous Month	13.76M
Short % of Shares Out	3.91%
Short % of Float	3.93%
Short Ratio (days to cover)	4.03

Income Statement

In the last 12 months, SYF had revenue of $9.19 billion and earned $3.20 billion in profits. Earnings per share was $8.21.

Revenue	9.19B
Gross Profit	9.19B
Operating Income	4.43B
Pretax Income	3.87B
Net Income	3.20B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.21

Balance Sheet

The company has $19.46 billion in cash and $16.01 billion in debt, giving a net cash position of $3.45 billion or $9.27 per share.

Cash & Cash Equivalents	19.46B
Total Debt	16.01B
Net Cash	3.45B
Net Cash Per Share	$9.27
Equity (Book Value)	16.95B
Book Value Per Share	42.29
Working Capital	-65.47B

Cash Flow

Operating Cash Flow	9.88B
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	48.26%
Pretax Margin	46.17%
Profit Margin	35.79%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 1.57%.

Dividend Per Share	$1.20
Dividend Yield	1.57%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	3
Payout Ratio	13.40%
Buyback Yield	6.17%
Shareholder Yield	7.74%
Earnings Yield	11.23%
FCF Yield	n/a

Analyst Forecast

The average price target for SYF is $72.06, which is -5.90% lower than the current price. The consensus rating is "Buy".

Price Target	$72.06
Price Target Difference	-5.90%
Analyst Consensus	Buy
Analyst Count	19
Revenue Growth Forecast (5Y)	13.49%
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4