SYF — Synchrony Financial
—
NYSE ·
Financials ·
Consumer Finance ·
CIK 1601712 ·
Last close
$72.80
Market Cap
$23.69B
52W High
$87.67
52W Low
$62.55
ADV30
2,912,198
Next earnings
2026-10-20
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | Gross profit | Op income | Net income | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Jun 2026 | 3,718,000,000 | — | — | 885,000,000 | 121,930,000,000 | 16,193,000,000 | 105,033,000,000 |
| Mar 2026 | 3,698,000,000 | — | — | 805,000,000 | 121,501,000,000 | 20,559,000,000 | 105,024,000,000 |
| Dec 2025 | 3,793,000,000 | — | — | 751,000,000 | 119,095,000,000 | 14,973,000,000 | 102,329,000,000 |
| Sep 2025 | 3,823,000,000 | — | — | 1,077,000,000 | 116,984,000,000 | 16,245,000,000 | 99,919,000,000 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$9,694,000,000
Investing CF
$-9,879,000,000
Financing CF
$-2,754,000,000
CapEx
—
Dividends Paid
$-503,000,000
Buybacks
$-3,610,000,000
EPS Diluted TTM
$9.76
As of
2026-07-26
Balance + Analyst (yfinance extras)
Retained Earnings
$25,968,000,000
Inventory
—
Receivables
—
ST Investments
$2,406,000,000
EBIT TTM
—
Pretax Income TTM
$4,614,000,000
Interest Exp TTM
$3,927,000,000
Analysts
23
Yahoo Snapshot (yfinance, live)
Total Revenue
$9,907,999,744
EBITDA
—
Free Cash Flow
—
Enterprise Value
$26,679,930,880
Total Cash
$16,193,000,448
Total Debt
$16,432,000,000
Shares Out
325,370,840
Trailing EPS
$9.75
Book Value
$46.71
ROE
20.8%
ROA
2.9%
Div Yield
1.79%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | Op income | Net income | Assets | Liabilities | Equity | Op cash flow |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 14,981,000,000 | — | 3,552,000,000 | 119,095,000,000 | 102,329,000,000 | 16,766,000,000 | 9,851,000,000 |
| Dec 2024 | 15,056,000,000 | — | 3,499,000,000 | 119,463,000,000 | 102,883,000,000 | 16,580,000,000 | 9,848,000,000 |
| Dec 2023 | 13,627,000,000 | — | 2,238,000,000 | 117,479,000,000 | 103,576,000,000 | 13,903,000,000 | 8,593,000,000 |
| Dec 2022 | 11,674,000,000 | — | 3,016,000,000 | 104,564,000,000 | 91,691,000,000 | 12,873,000,000 | 6,694,000,000 |
TTM Snapshot
Revenues TTM
—
NetIncome TTM
$3,600,000,000
OpCashFlow TTM
—
Assets (Latest)
$121,501,000,000
Forward EPS
$10.50
Max Pain — expiry 2026-10-16
max pain strike: $70.00 · spot: $72.80 · call oi: 13,808 · put oi: 983
Expected Move to 2026-10-16:
±$2.50
(3.43%) —
implied range
$70.30 –
$75.30
· ATM straddle on $72.50 strike
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | $23.96B | $80.70 | — |
| FMCKJ | FEDERAL HOME LOAN MORTGAGE CORP | $21.94B | $6.81 | — |
| RKT | Rocket Companies, Inc. | $21.89B | $11.48 | — |
| SOFI | SoFi Technologies, Inc. | $20.41B | $15.80 | — |
| FMCCN | FEDERAL HOME LOAN MORTGAGE CORP | $28.15B | $8.74 | — |
News headlines (Yahoo Finance, 1h cache)
Reflecting On Credit Card Stocks’ Q2 Earnings: Synchrony Financial (NYSE:SYF)
2026-10-08 15:04 · Yahoo
Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
2026-10-05 17:06 · Yahoo
Synchrony Financial (SYF) Could Be 20% Below Fair Value Following Vetspire Partnership
2026-09-30 20:11 · Yahoo
How Can Trust Shape Synchrony Financial's AI Shopping Opportunity?
2026-09-30 17:04 · Yahoo
The Bull Case For Synchrony Financial (SYF) Could Change Following New Vetspire Tie-Up And AI Study
2026-09-30 16:13 · Yahoo
Synchrony Financial's Quarterly Earnings Preview: What You Need to Know
2026-09-30 15:21 · Yahoo
Major lender prepares for a surprising shift in how Americans shop
2026-09-27 16:03 · Yahoo
Synchrony to Announce Third Quarter 2026 Financial Results on October 20, 2026
2026-09-22 12:00 · Yahoo
Is Synchrony Financial Stock Underperforming the Nasdaq?
2026-09-21 11:27 · Yahoo
Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth Outlook
2026-09-20 18:02 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.