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SYF

$80.72
+$0.64 (0.80%)+0.80%
Open
Loading chart...
IndexN/A
Market Cap26.26B
Enterprise Value30.06B
Income$3.55B
Sales$20.21B
Employees20,000
P/E8.32
P/S1.56
P/B1.78
P/C3.03
EV/EBITDA5.85
EV/Sales4.60
EPS (ttm)9.70
Earnings2025-10-15
Gross Margin55.38%
Oper. Margin26.66%
Profit Margin20.52%
Volume1.00M
Shs Outstand0.33B
Change0.80%
Dividend Est.N/A
Dividend Ex-DateN/A
Perf YTD-5.27%
Perf Year16.64%
Perf 3Y138.16%
Perf 5Y101.99%
Perf 10Y186.09%
IPO2014-07-31
Income Statement by fiscal year, newest to oldest
MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Revenue$20.21B$20.76B$17.34B$13.20B$11.22B$12.83B$15.60B$15.15B
Cost of Revenue$7.92B$11.37B$9.68B$4.90B$1.76B$6.97B$6.47B$7.42B
Gross Profit$12.29B$9.39B$7.66B$8.30B$9.47B$5.85B$9.13B$7.74B
Gross Margin60.82%45.24%44.19%62.90%84.34%45.62%58.53%51.07%
Operating Expenses$5.13B$4.84B$4.76B$4.34B$3.96B$4.05B$4.25B$4.09B
Operating Income$7.16B$4.55B$2.90B$3.96B$5.50B$1.80B$4.89B$3.64B
Operating Margin35.41%21.93%16.75%30.03%49.03%14.01%31.32%24.05%
Net Income$3.55B$3.50B$2.24B$3.02B$4.22B$1.39B$3.75B$2.79B
Net Margin17.58%16.86%12.91%22.86%37.61%10.80%24.01%18.41%
EPS (Basic)$9.35$8.64$5.21$6.19$7.40$2.28$5.59$3.76
EBITDAN/A$5.03B$3.36B$4.38B$5.89B$2.18B$5.25B$3.95B
Stock Option Compensation ExpenseN/A$0.00$0.00$0.00$0.00$0.00$0.00$0.00
Price To Earnings RatioN/A7.377.195.236.2114.766.446.24
Price To Sales RatioN/AN/AN/AN/AN/AN/AN/AN/A
Shares OutstandingN/AN/AN/AN/AN/AN/AN/AN/A
Market CapitalizationN/A$25.77B$16.09B$15.79B$26.19B$20.44B$24.13B$17.41B
Balance Sheet by fiscal year, newest to oldest
MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Cash & Short Term InvestmentsN/AN/AN/AN/AN/AN/AN/AN/A
Short Term ReceivablesN/AN/AN/AN/AN/AN/AN/AN/A
InventoriesN/AN/AN/AN/AN/AN/AN/AN/A
Other Current AssetsN/AN/AN/AN/AN/AN/AN/AN/A
Total Current AssetsN/AN/AN/AN/AN/AN/AN/AN/A
Net Property, Plant & EquipmentN/AN/AN/AN/AN/AN/AN/AN/A
Total Investments and AdvancesN/AN/AN/AN/AN/AN/AN/AN/A
Long-Term Note ReceivableN/AN/AN/AN/AN/AN/AN/AN/A
Intangible AssetsN/AN/AN/AN/AN/AN/AN/AN/A
Deferred Tax AssetsN/AN/AN/AN/AN/AN/AN/AN/A
Other AssetsN/AN/AN/AN/AN/AN/AN/AN/A
Total Assets$119.09B$119.46B$117.48B$104.56B$95.75B$95.95B$104.83B$106.79B
Short Term Debt Incl. Current Port. of LT DebtN/AN/AN/AN/AN/AN/AN/AN/A
Accounts PayableN/AN/AN/AN/AN/AN/AN/AN/A
Income Tax PayableN/AN/AN/AN/AN/AN/AN/AN/A
Other Current LiabilitiesN/AN/AN/AN/AN/AN/AN/AN/A
Total Current LiabilitiesN/AN/AN/AN/AN/AN/AN/AN/A
Long Term DebtN/AN/AN/AN/AN/AN/AN/AN/A
Provision for Risks ChargesN/AN/AN/AN/AN/AN/AN/AN/A
Deferred Tax LiabilitiesN/AN/AN/AN/AN/AN/AN/AN/A
Other LiabilitiesN/AN/AN/AN/AN/AN/AN/AN/A
Total Liabilities$102.33B$102.88B$103.58B$91.69B$82.09B$83.25B$89.74B$92.11B
Non-Equity ReservesN/AN/AN/AN/AN/AN/AN/AN/A
Preferred Stock - Carrying ValueN/AN/AN/AN/AN/AN/AN/AN/A
Common EquityN/AN/AN/AN/AN/AN/AN/AN/A
Total Shareholders Equity$16.77B$16.58B$13.90B$12.87B$13.65B$12.70B$15.09B$14.68B
Accumulated Minority InterestN/AN/AN/AN/AN/AN/AN/AN/A
Total Equity$16.77B$16.58B$13.90B$12.87B$13.65B$12.70B$15.09B$14.68B
Total Liabilities & Stockholders Equity$119.09B$119.46B$117.48B$104.56B$95.75B$95.95B$104.83B$106.79B
Book Value Per ShareN/A$41.82$33.01$26.80$24.19$21.56$22.51$19.77
Tangible Book Value Per ShareN/A$36.45$28.66$22.95$20.16$17.82$19.02$16.86
Full-Time EmployeesN/AN/AN/AN/AN/AN/AN/AN/A
Price to Book RatioN/AN/AN/AN/AN/AN/AN/AN/A
Return on AssetsN/A2.93%1.91%2.88%4.41%1.44%3.57%2.61%
Return on EquityN/A21.10%16.10%23.43%30.91%10.90%24.83%19.01%
Return on Invested CapitalN/A9.36%6.16%11.14%14.99%4.86%10.72%7.21%
Quick RatioN/A0.220.220.200.200.280.260.23
Current RatioN/A0.220.220.200.200.280.260.23
Cash Flow by fiscal year, newest to oldest
MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Net Income$3.55B$3.50B$2.24B$3.02B$4.22B$1.39B$3.75B$2.79B
DepreciationN/A$481.00M$458.00M$419.00M$390.00M$383.00M$367.00M$302.00M
Other Funds (Non Cash)N/AN/AN/AN/AN/AN/AN/AN/A
Funds from OperationsN/AN/AN/AN/AN/AN/AN/AN/A
Extraordinary ItemN/AN/AN/AN/AN/AN/AN/AN/A
Changes in Working CapitalN/AN/AN/AN/AN/AN/AN/AN/A
Income Taxes PayableN/AN/AN/AN/AN/AN/AN/AN/A
Cash from Operating Activities$0.00$9.85B$8.59B$6.69B$7.10B$7.49B$8.99B$9.34B
Capital ExpendituresN/A$0.00$0.00$0.00$0.00$0.00$0.00$0.00
Net Assets From AcquisitionsN/AN/AN/AN/AN/AN/AN/AN/A
Sale of Fixed Assets and BusinessesN/AN/AN/AN/AN/AN/AN/AN/A
Purchase or Sale of InvestmentsN/AN/AN/AN/AN/AN/AN/AN/A
Purchase of InvestmentsN/AN/AN/AN/AN/AN/AN/AN/A
Sale Or Maturity of InvestmentsN/AN/AN/AN/AN/AN/AN/AN/A
Other UsesN/AN/AN/AN/AN/AN/AN/AN/A
Other SourcesN/AN/AN/AN/AN/AN/AN/AN/A
Cash from Investing ActivitiesN/AN/AN/AN/AN/AN/AN/AN/A
Cash Dividends PaidN/A$470.00M$448.00M$476.00M$542.00M$562.00M$581.00M$534.00M
Change in Capital StockN/AN/AN/AN/AN/AN/AN/AN/A
Repurchase of Common Pref StockN/A$1.01B$1.11B$3.32B$2.88B$985.00M$3.62B$1.87B
Sale of Common Pref StockN/AN/AN/AN/AN/AN/AN/AN/A
Proceeds from Stock OptionsN/AN/AN/AN/AN/AN/AN/AN/A
Issuance or Reduction of Debt, NetN/AN/AN/AN/AN/AN/AN/AN/A
Change in Long Term DebtN/AN/AN/AN/AN/AN/AN/AN/A
Issuance of Long Term DebtN/AN/AN/AN/AN/AN/AN/AN/A
Reduction of Long Term DebtN/AN/AN/AN/AN/AN/AN/AN/A
Net Financing Active Other Cash FlowN/AN/AN/AN/AN/AN/AN/AN/A
Other Financing Activities UsesN/AN/AN/AN/AN/AN/AN/AN/A
Cash from Financing ActivitiesN/AN/AN/AN/AN/AN/AN/AN/A
Exchange Rate EffectN/AN/AN/AN/AN/AN/AN/AN/A
Net Change in CashN/AN/AN/AN/AN/AN/AN/AN/A
Free Cash FlowN/A$9.85B$8.59B$6.69B$7.10B$7.49B$8.99B$9.34B
Preferred Dividends (Cash Flow)N/AN/AN/AN/AN/AN/AN/AN/A
Price to Free Cash FlowN/AN/AN/AN/AN/AN/AN/AN/A

Company coverage

Latest news

20 stories
Jul 6 · 2:49PMEmbedded Finance Revolutionizing Point-of-Sale Credit Boosts Consumer Finance MarketGlobeNewswire Inc. ↗Jul 4 · 2:15AMSynchrony's Credit Numbers Are Improving Even as Inflation Bites. Is the Everyday Consumer Tougher Than Feared?The Motley Fool ↗Jun 10 · 3:03PMSynchrony’s Comeback Is Hiding in Plain SightInvesting.com ↗Apr 27 · 7:27PMAdobe Leads 3 Big Buyback Programs Worth Up to 25% of Market CapInvesting.com ↗Apr 1 · 11:00AMAnnouncing the 2026 Fortune 100 Best Companies to Work ForGlobeNewswire Inc. ↗Jan 12 · 4:43PMAmerican Express Sells Off as Markets Price Policy Risk Ahead of DetailsInvesting.com ↗Oct 28 · 4:25PMVisa Earnings Preview: Can the Momentum Last Without Margin Squeeze?Investing.com ↗Oct 23 · 8:05PMSynchrony Announces Quarterly Common Stock Dividend of $0.30 Per ShareBenzinga ↗
Show 12 more stories↓
Jun 25 · 7:25PMSubprime Was A Trainwreck In 2008―Now It's A Sweet Spot, Says Goldman SachsBenzinga ↗Apr 13 · 9:51AMApple Stock Plunged on Tariff News, But It's Proving to Be Unstoppable in Another Lucrative AreaThe Motley Fool ↗Jan 28 · 2:01PMSynchrony Financial Q4: Earnings Miss, Lower Purchase Volume, Active Accounts Decline And MoreBenzinga ↗Nov 27 · 6:25PMYourUpdateTV Speaks to Bethany Braun-Silva to Discuss The Must Have Family Gifts This Holiday SeasonGlobeNewswire Inc. ↗Nov 6 · 6:46PMWhy Financial Stocks Like American Express, Synchrony Financial, and Huntington Bancshares Rocketed Higher TodayThe Motley Fool ↗Sep 17 · 8:37PMS&P 500 Briefly Hits Record High Just Ahead Of Fed Rate Cut, Extends 7-Day Winning Streak: Tuesday's Top 5 GainersBenzinga ↗Aug 6 · 6:01PMPRA Group's (PRAA) Q2 Earnings Beat on Strong Portfolio IncomeZacks Investment Research ↗Jul 17 · 2:35PMFactbox-Stocks to watch as Biden, Trump vie for presidency By Reuters - Investing.comInvesting.com ↗Jul 17 · 7:16AMASML, United Airlines And 3 Other Stocks To Watch Heading Into Wednesday - BenzingaBenzinga ↗Jun 28 · 12:01PMPeeling Back The Layers: Exploring Synchrony Finl Through Analyst InsightsBenzinga ↗Jun 27 · 5:34PMSynchrony (SYF) Boosts Financing Options With AtlanticusZacks Investment Research ↗Jun 26 · 1:50PMHere's Why Synchrony (SYF) is a Strong Momentum StockZacks Investment Research ↗

Insider Trading

View All
Insider
Type
Shares
Price
Value
Date
Casellas Alberto
Sell
5.5K
$80.00
$436K
Aug 13, 26
COVIELLO ARTHUR W JR
Sell
4.0K
$77.17
$309K
Aug 3, 26
Gentleman Courtney
F
574
$75.79
$44K
Jul 31, 26
Owens Darrell
F
486
$75.79
$37K
Jul 31, 26
Tiliakos Amy
F
1.7K
$75.79
$132K
Jul 31, 26

Company

CEO: Brian D. DoublesEmployees: 20000www.synchrony.com
About the company↓

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

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