Synchrony Financial (SYF)

Synchrony Financial Statistics

Total Valuation

SYF has a market cap or net worth of $26.91 billion. The enterprise value is $25.10 billion.

Market Cap	26.91B
Enterprise Value	25.10B

Important Dates

The last earnings date was Wednesday, October 15, 2025, before market open.

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

Share Statistics

SYF has 360.17 million shares outstanding. The number of shares has decreased by -5.45% in one year.

Current Share Class	360.17M
Shares Outstanding	360.17M
Shares Change (YoY)	-5.45%
Shares Change (QoQ)	-2.43%
Owned by Insiders (%)	0.40%
Owned by Institutions (%)	108.66%
Float	357.94M

Valuation Ratios

The trailing PE ratio is 8.21 and the forward PE ratio is 8.21. SYF's PEG ratio is 0.52.

PE Ratio	8.21
Forward PE	8.21
PS Ratio	2.94
Forward PS	1.41
PB Ratio	1.70
P/TBV Ratio	1.97
P/FCF Ratio	n/a
P/OCF Ratio	2.76
PEG Ratio	0.52

Enterprise Valuation

EV / Earnings	7.19
EV / Sales	2.60
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 21.64%.

Return on Equity (ROE)	21.64%
Return on Assets (ROA)	3.03%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$482,250
Profits Per Employee	$174,600
Employee Count	20,000
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SYF has paid $1.07 billion in taxes.

Income Tax	1.07B
Effective Tax Rate	22.99%

Stock Price Statistics

The stock price has increased by +35.49% in the last 52 weeks. The beta is 1.50, so SYF's price volatility has been higher than the market average.

Beta (5Y)	1.50
52-Week Price Change	+35.49%
50-Day Moving Average	73.62
200-Day Moving Average	64.28
Relative Strength Index (RSI)	57.18
Average Volume (20 Days)	3,662,833

Short Selling Information

The latest short interest is 17.32 million, so 4.81% of the outstanding shares have been sold short.

Short Interest	17.32M
Short Previous Month	15.26M
Short % of Shares Out	4.81%
Short % of Float	4.84%
Short Ratio (days to cover)	4.71

Income Statement

In the last 12 months, SYF had revenue of $9.65 billion and earned $3.49 billion in profits. Earnings per share was $9.10.

Revenue	9.65B
Gross Profit	9.65B
Operating Income	4.83B
Pretax Income	4.64B
Net Income	3.49B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$9.10

Balance Sheet

The company has $16.25 billion in cash and $14.43 billion in debt, giving a net cash position of $1.81 billion or $5.04 per share.

Cash & Cash Equivalents	16.25B
Total Debt	14.43B
Net Cash	1.81B
Net Cash Per Share	$5.04
Equity (Book Value)	17.07B
Book Value Per Share	43.99
Working Capital	-69.86B

Cash Flow

Operating Cash Flow	9.75B
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	50.12%
Pretax Margin	48.13%
Profit Margin	37.07%
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 1.60%.

Dividend Per Share	$1.20
Dividend Yield	1.60%
Dividend Growth (YoY)	15.00%
Years of Dividend Growth	3
Payout Ratio	12.64%
Buyback Yield	5.45%
Shareholder Yield	7.05%
Earnings Yield	12.98%
FCF Yield	n/a

Analyst Forecast

The average price target for SYF is $80.26, which is 7.41% higher than the current price. The consensus rating is "Buy".

Price Target	$80.26
Price Target Difference	7.41%
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