Synchrony Financial Statistics
Total Valuation
SYF has a market cap or net worth of $24.42 billion. The enterprise value is $24.65 billion.
| Market Cap | 24.42B |
| Enterprise Value | 24.65B |
Important Dates
The next estimated earnings date is Wednesday, October 14, 2026, before market open.
| Earnings Date | Oct 14, 2026 |
| Ex-Dividend Date | Aug 5, 2026 |
Share Statistics
SYF has 325.37 million shares outstanding. The number of shares has decreased by -9.80% in one year.
| Current Share Class | 325.37M |
| Shares Outstanding | 325.37M |
| Shares Change (YoY) | -9.80% |
| Shares Change (QoQ) | -3.44% |
| Owned by Insiders (%) | 0.44% |
| Owned by Institutions (%) | 108.02% |
| Float | 323.12M |
Valuation Ratios
The trailing PE ratio is 7.68 and the forward PE ratio is 7.78. SYF's PEG ratio is 1.01.
| PE Ratio | 7.68 |
| Forward PE | 7.78 |
| PS Ratio | 2.46 |
| Forward PS | 1.57 |
| PB Ratio | 1.61 |
| P/TBV Ratio | 1.94 |
| P/FCF Ratio | 2.52 |
| P/OCF Ratio | 2.52 |
| PEG Ratio | 1.01 |
Enterprise Valuation
| EV / Earnings | 7.18 |
| EV / Sales | 2.49 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.54 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.70 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 20.79%.
| Return on Equity (ROE) | 20.79% |
| Return on Assets (ROA) | 2.90% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.84% |
| Revenue Per Employee | $495,400 |
| Profits Per Employee | $171,750 |
| Employee Count | 20,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SYF has paid $1.10 billion in taxes.
| Income Tax | 1.10B |
| Effective Tax Rate | 23.75% |
Stock Price Statistics
The stock price has increased by +0.29% in the last 52 weeks. The beta is 1.31, so SYF's price volatility has been higher than the market average.
| Beta (5Y) | 1.31 |
| 52-Week Price Change | +0.29% |
| 50-Day Moving Average | 76.93 |
| 200-Day Moving Average | 75.15 |
| Relative Strength Index (RSI) | 41.44 |
| Average Volume (20 Days) | 3,247,514 |
Short Selling Information
The latest short interest is 17.84 million, so 5.48% of the outstanding shares have been sold short.
| Short Interest | 17.84M |
| Short Previous Month | 18.95M |
| Short % of Shares Out | 5.48% |
| Short % of Float | 5.52% |
| Short Ratio (days to cover) | 5.59 |
Income Statement
In the last 12 months, SYF had revenue of $9.91 billion and earned $3.44 billion in profits. Earnings per share was $9.77.
| Revenue | 9.91B |
| Gross Profit | 9.91B |
| Operating Income | 4.89B |
| Pretax Income | 4.61B |
| Net Income | 3.44B |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.77 |
Balance Sheet
The company has $16.19 billion in cash and $16.43 billion in debt, with a net cash position of -$239.00 million or -$0.73 per share.
| Cash & Cash Equivalents | 16.19B |
| Total Debt | 16.43B |
| Net Cash | -239.00M |
| Net Cash Per Share | -$0.73 |
| Equity (Book Value) | 16.90B |
| Book Value Per Share | 46.71 |
| Working Capital | -74.01B |
Cash Flow
| Operating Cash Flow | 9.69B |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | 409.00M |
| Free Cash Flow | 9.69B |
| FCF Per Share | $29.79 |
Margins
| Gross Margin | n/a |
| Operating Margin | 49.39% |
| Pretax Margin | 46.57% |
| Profit Margin | 35.51% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 97.84% |
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) | 12.73% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 13.92% |
| FCF Payout Ratio | 4.56% |
| Buyback Yield | 9.80% |
| Shareholder Yield | 11.61% |
| Earnings Yield | 14.07% |
| FCF Yield | 39.70% |
Analyst Forecast
The average price target for SYF is $89.30, which is 19.00% higher than the current price. The consensus rating is "Buy".
| Price Target | $89.30 |
| Price Target Difference | 19.00% |
| Analyst Consensus | Buy |
| Analyst Count | 24 |
| Revenue Growth Forecast (3Y) | 3.79% |
| EPS Growth Forecast (3Y) | 8.60% |
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 |