Synchrony Financial Statistics
Total Valuation
SYF has a market cap or net worth of $23.46 billion. The enterprise value is $24.59 billion.
| Market Cap | 23.46B |
| Enterprise Value | 24.59B |
Important Dates
The last earnings date was Tuesday, October 20, 2026, before market open.
| Earnings Date | Oct 20, 2026 |
| Ex-Dividend Date | Nov 5, 2026 |
Share Statistics
SYF has 311.40 million shares outstanding. The number of shares has decreased by -11.33% in one year.
| Current Share Class | 311.40M |
| Shares Outstanding | 311.40M |
| Shares Change (YoY) | -11.33% |
| Shares Change (QoQ) | -3.50% |
| Owned by Insiders (%) | 0.46% |
| Owned by Institutions (%) | 112.40% |
| Float | 309.15M |
Valuation Ratios
The trailing PE ratio is 7.90 and the forward PE ratio is 7.51. SYF's PEG ratio is 0.89.
| PE Ratio | 7.90 |
| Forward PE | 7.51 |
| PS Ratio | 2.40 |
| Forward PS | 1.49 |
| PB Ratio | 1.58 |
| P/TBV Ratio | 1.94 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 2.46 |
| PEG Ratio | 0.89 |
Enterprise Valuation
| EV / Earnings | 7.58 |
| EV / Sales | 2.51 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.03 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 19.83%.
| Return on Equity (ROE) | 19.83% |
| Return on Assets (ROA) | 2.78% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.73% |
| Revenue Per Employee | $489,150 |
| Profits Per Employee | $162,100 |
| Employee Count | 20,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SYF has paid $1.03 billion in taxes.
| Income Tax | 1.03B |
| Effective Tax Rate | 23.66% |
Stock Price Statistics
The stock price has increased by +2.92% in the last 52 weeks. The beta is 1.34, so SYF's price volatility has been higher than the market average.
| Beta (5Y) | 1.34 |
| 52-Week Price Change | +2.92% |
| 50-Day Moving Average | 75.02 |
| 200-Day Moving Average | 73.61 |
| Relative Strength Index (RSI) | 54.04 |
| Average Volume (20 Days) | 3,326,861 |
Short Selling Information
The latest short interest is 16.43 million, so 5.28% of the outstanding shares have been sold short.
| Short Interest | 16.43M |
| Short Previous Month | 18.82M |
| Short % of Shares Out | 5.28% |
| Short % of Float | 5.32% |
| Short Ratio (days to cover) | 5.38 |
Income Statement
In the last 12 months, SYF had revenue of $9.78 billion and earned $3.24 billion in profits. Earnings per share was $9.54.
| Revenue | 9.78B |
| Gross Profit | 9.78B |
| Operating Income | 4.70B |
| Pretax Income | 4.37B |
| Net Income | 3.24B |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.54 |
Balance Sheet
The company has $15.90 billion in cash and $17.03 billion in debt, with a net cash position of -$1.12 billion or -$3.61 per share.
| Cash & Cash Equivalents | 15.90B |
| Total Debt | 17.03B |
| Net Cash | -1.12B |
| Net Cash Per Share | -$3.61 |
| Equity (Book Value) | 16.55B |
| Book Value Per Share | 47.70 |
| Working Capital | -74.90B |
Cash Flow
| Operating Cash Flow | 9.56B |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | 2.58B |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
| Gross Margin | n/a |
| Operating Margin | 47.99% |
| Pretax Margin | 44.63% |
| Profit Margin | 34.07% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 1.81%.
| Dividend Per Share | $1.36 |
| Dividend Yield | 1.81% |
| Dividend Growth (YoY) | 11.30% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 14.26% |
| FCF Payout Ratio | n/a |
| Buyback Yield | 11.33% |
| Shareholder Yield | 13.13% |
| Earnings Yield | 12.66% |
| FCF Yield | n/a |
Analyst Forecast
The average price target for SYF is $86.83, which is 15.24% higher than the current price. The consensus rating is "Buy".
| Price Target | $86.83 |
| Price Target Difference | 15.24% |
| Analyst Consensus | Buy |
| Analyst Count | 23 |
| Revenue Growth Forecast (3Y) | 3.76% |
| EPS Growth Forecast (3Y) | 7.58% |
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 |