Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
68.45
-1.00 (-1.44%)
At close: Aug 7, 2025, 4:00 PM
68.56
+0.11 (0.16%)
Pre-market: Aug 8, 2025, 4:39 AM EDT

Synchrony Financial Statistics

Total Valuation

SYF has a market cap or net worth of $25.47 billion. The enterprise value is $22.02 billion.

Market Cap25.47B
Enterprise Value 22.02B

Important Dates

The last earnings date was Tuesday, July 22, 2025, before market open.

Earnings Date Jul 22, 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 (%) 104.84%
Float 370.08M

Valuation Ratios

The trailing PE ratio is 8.34 and the forward PE ratio is 7.81. SYF's PEG ratio is 0.46.

PE Ratio 8.34
Forward PE 7.81
PS Ratio 2.88
Forward PS 1.31
PB Ratio 1.62
P/TBV Ratio 1.87
P/FCF Ratio n/a
P/OCF Ratio 2.58
PEG Ratio 0.46
Financial Ratio History

Enterprise Valuation

EV / Earnings 6.87
EV / Sales 2.40
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 Count20,000
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 +54.48% 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 +54.48%
50-Day Moving Average 66.02
200-Day Moving Average 61.54
Relative Strength Index (RSI) 48.27
Average Volume (20 Days) 3,631,484

Short Selling Information

The latest short interest is 13.76 million, so 3.70% of the outstanding shares have been sold short.

Short Interest 13.76M
Short Previous Month 15.53M
Short % of Shares Out 3.70%
Short % of Float 3.72%
Short Ratio (days to cover) 4.16

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.

Revenue9.19B
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
Full Income Statement

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
Full Balance Sheet

Cash Flow

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

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 1.75%.

Dividend Per Share $1.20
Dividend Yield 1.75%
Dividend Growth (YoY) 10.00%
Years of Dividend Growth 3
Payout Ratio 13.40%
Buyback Yield 6.17%
Shareholder Yield 7.92%
Earnings Yield 12.58%
FCF Yield n/a
Dividend Details

Analyst Forecast

The average price target for SYF is $72.06, which is 5.27% higher than the current price. The consensus rating is "Buy".

Price Target $72.06
Price Target Difference 5.27%
Analyst Consensus Buy
Analyst Count 19
Revenue Growth Forecast (5Y) 13.49%
EPS Growth Forecast (5Y) -3.92%
Stock Forecasts

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