Synchrony Financial (SYF)

Synchrony Financial Statistics

Total Valuation

SYF has a market cap or net worth of $22.77 billion. The enterprise value is $22.98 billion.

Market Cap	22.77B
Enterprise Value	22.98B

Important Dates

The next estimated earnings date is Tuesday, April 21, 2026, before market open.

Earnings Date	Apr 21, 2026
Ex-Dividend Date	Feb 6, 2026

Share Statistics

SYF has 347.60 million shares outstanding. The number of shares has decreased by -6.67% in one year.

Current Share Class	347.60M
Shares Outstanding	347.60M
Shares Change (YoY)	-6.67%
Shares Change (QoQ)	-3.38%
Owned by Insiders (%)	0.47%
Owned by Institutions (%)	105.47%
Float	345.32M

Valuation Ratios

The trailing PE ratio is 7.06 and the forward PE ratio is 7.09. SYF's PEG ratio is 0.80.

PE Ratio	7.06
Forward PE	7.09
PS Ratio	2.33
Forward PS	1.22
PB Ratio	1.46
P/TBV Ratio	1.76
P/FCF Ratio	n/a
P/OCF Ratio	2.31
PEG Ratio	0.80

Enterprise Valuation

EV / Earnings	6.62
EV / Sales	2.36
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 21.30%.

Return on Equity (ROE)	21.30%
Return on Assets (ROA)	2.98%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.21%
Revenue Per Employee	$487,800
Profits Per Employee	$173,450
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	23.13%

Stock Price Statistics

The stock price has increased by +23.49% in the last 52 weeks. The beta is 1.41, so SYF's price volatility has been higher than the market average.

Beta (5Y)	1.41
52-Week Price Change	+23.49%
50-Day Moving Average	72.85
200-Day Moving Average	73.03
Relative Strength Index (RSI)	37.64
Average Volume (20 Days)	4,312,433

Short Selling Information

The latest short interest is 14.73 million, so 4.24% of the outstanding shares have been sold short.

Short Interest	14.73M
Short Previous Month	13.14M
Short % of Shares Out	4.24%
Short % of Float	4.27%
Short Ratio (days to cover)	2.65

Income Statement

In the last 12 months, SYF had revenue of $9.76 billion and earned $3.47 billion in profits. Earnings per share was $9.28.

Revenue	9.76B
Gross Profit	9.76B
Operating Income	4.81B
Pretax Income	4.62B
Net Income	3.47B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$9.28

Balance Sheet

The company has $14.97 billion in cash and $15.18 billion in debt, with a net cash position of -$209.00 million or -$0.60 per share.

Cash & Cash Equivalents	14.97B
Total Debt	15.18B
Net Cash	-209.00M
Net Cash Per Share	-$0.60
Equity (Book Value)	16.77B
Book Value Per Share	44.74
Working Capital	-71.91B

Cash Flow

Operating Cash Flow	9.85B
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	49.30%
Pretax Margin	47.37%
Profit Margin	36.41%
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 1.83%.

Dividend Per Share	$1.20
Dividend Yield	1.83%
Dividend Growth (YoY)	20.00%
Years of Dividend Growth	4
Payout Ratio	12.93%
Buyback Yield	6.67%
Shareholder Yield	8.50%
Earnings Yield	15.23%
FCF Yield	n/a

Analyst Forecast

The average price target for SYF is $86.42, which is 31.92% higher than the current price. The consensus rating is "Buy".

Price Target	$86.42
Price Target Difference	31.92%
Analyst Consensus	Buy
Analyst Count	19
Revenue Growth Forecast (5Y)	10.97%
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