Synchrony Financial (SYF)

Synchrony Financial Statistics

Total Valuation

SYF has a market cap or net worth of $25.63 billion. The enterprise value is $21.48 billion.

Market Cap	25.63B
Enterprise Value	21.48B

Important Dates

The last earnings date was Tuesday, April 21, 2026, before market open.

Earnings Date	Apr 21, 2026
Ex-Dividend Date	May 5, 2026

Share Statistics

SYF has 336.37 million shares outstanding. The number of shares has decreased by -8.30% in one year.

Current Share Class	336.95M
Shares Outstanding	336.37M
Shares Change (YoY)	-8.30%
Shares Change (QoQ)	-3.19%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	108.65%
Float	334.69M

Valuation Ratios

The trailing PE ratio is 7.75 and the forward PE ratio is 7.80. SYF's PEG ratio is 0.85.

PE Ratio	7.75
Forward PE	7.80
PS Ratio	2.59
Forward PS	1.39
PB Ratio	1.66
P/TBV Ratio	2.02
P/FCF Ratio	n/a
P/OCF Ratio	2.60
PEG Ratio	0.85

Enterprise Valuation

EV / Earnings	6.11
EV / Sales	2.17
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 21.78%.

Return on Equity (ROE)	21.78%
Return on Assets (ROA)	2.96%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.22%
Revenue Per Employee	$494,600
Profits Per Employee	$175,850
Employee Count	20,000
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SYF has paid $1.08 billion in taxes.

Income Tax	1.08B
Effective Tax Rate	23.14%

Stock Price Statistics

The stock price has increased by +45.34% in the last 52 weeks. The beta is 1.38, so SYF's price volatility has been higher than the market average.

Beta (5Y)	1.38
52-Week Price Change	+45.34%
50-Day Moving Average	70.51
200-Day Moving Average	74.14
Relative Strength Index (RSI)	59.24
Average Volume (20 Days)	3,712,220

Short Selling Information

The latest short interest is 14.66 million, so 4.36% of the outstanding shares have been sold short.

Short Interest	14.66M
Short Previous Month	15.52M
Short % of Shares Out	4.36%
Short % of Float	4.38%
Short Ratio (days to cover)	4.15

Income Statement

In the last 12 months, SYF had revenue of $9.89 billion and earned $3.52 billion in profits. Earnings per share was $9.69.

Revenue	9.89B
Gross Profit	9.89B
Operating Income	4.92B
Pretax Income	4.68B
Net Income	3.52B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$9.69

Balance Sheet

The company has $20.56 billion in cash and $16.43 billion in debt, with a net cash position of $4.13 billion or $12.28 per share.

Cash & Cash Equivalents	20.56B
Total Debt	16.43B
Net Cash	4.13B
Net Cash Per Share	$12.28
Equity (Book Value)	16.48B
Book Value Per Share	45.27
Working Capital	-66.29B

Cash Flow

Operating Cash Flow	9.83B
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	-595.00M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	49.74%
Pretax Margin	47.35%
Profit Margin	36.39%
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 1.58%.

Dividend Per Share	$1.20
Dividend Yield	1.58%
Dividend Growth (YoY)	14.29%
Years of Dividend Growth	4
Payout Ratio	12.38%
Buyback Yield	8.30%
Shareholder Yield	9.88%
Earnings Yield	13.73%
FCF Yield	n/a

Analyst Forecast

The average price target for SYF is $84.83, which is 11.33% higher than the current price. The consensus rating is "Buy".

Price Target	$84.83
Price Target Difference	11.33%
Analyst Consensus	Buy
Analyst Count	19
Revenue Growth Forecast (5Y)	10.97%
EPS Growth Forecast (5Y)	2.43%

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