SYF — Synchrony Financial

NYSE · Financials · Consumer Finance · CIK 1601712 ·
Last close
$80.02
Market Cap
$26.04B
52W High
$81.92
52W Low
$67.76
ADV30
3,492,380
Next earnings
2026-10-14
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
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
$27,991,175,168
Total Cash
$16,193,000,448
Total Debt
$16,432,000,000
Shares Out
325,370,840
Trailing EPS
$9.82
Book Value
$46.71
ROE
20.8%
ROA
2.9%
Div Yield
1.71%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 14,981,000,000 3,552,000,000 119,095,000,000 102,329,000,000 9,851,000,000
Dec 2024 15,056,000,000 3,499,000,000 119,463,000,000 102,883,000,000 9,848,000,000
Dec 2023 13,627,000,000 2,238,000,000 117,479,000,000 103,576,000,000 8,593,000,000
Dec 2022 11,674,000,000 3,016,000,000 104,564,000,000 91,691,000,000 6,694,000,000

TTM Snapshot

Revenues TTM
$0
NetIncome TTM
$2,834,000,000
OpCashFlow TTM
$0
Assets (Latest)
$119,463,000,000
Forward EPS
$10.51

Max Pain — expiry 2026-09-18

max pain strike: $75.00 · spot: $80.14 · call oi: 6,129 · put oi: 6,723
Expected Move to 2026-09-18: ±$4.58 (5.71%) — implied range $75.56$84.71 · ATM straddle on $80.00 strike

Peers — same industry

TickerNameMarket CapLastDaily %
FMCKN FEDERAL HOME LOAN MORTGAGE CORP $25.61B $7.95
FMCKO FEDERAL HOME LOAN MORTGAGE CORP $25.61B $7.95
RKT Rocket Companies, Inc. $26.86B $14.09
FMCKM FEDERAL HOME LOAN MORTGAGE CORP $25.16B $7.81
FMCKL FEDERAL HOME LOAN MORTGAGE CORP $24.10B $7.48

News headlines (Yahoo Finance, 1h cache)

What Synchrony Financial (SYF)'s Q2 Beat and OpenAI Deal Means For Shareholders
2026-08-22 11:09 · Yahoo
Forget the Usual AI Suspects. This Stock Could Be a Massive Winner as the Latest OpenAI Partner.
2026-08-20 16:21 · Yahoo
Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report?
2026-08-20 15:30 · Yahoo
Synchrony Financial partners with OpenAI for ChatGPT shopping
2026-08-17 17:13 · Yahoo
Do Wall Street Analysts Like Synchrony Financial Stock?
2026-08-07 13:50 · Yahoo
Is Synchrony Financial (SYF) A Bargain As Its Stripe CareCredit Checkout Deal Expands Reach?
2026-08-07 11:15 · Yahoo
Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation
2026-08-13 21:46 · Yahoo
Can SYF Turn Record Purchase Volume Into Stronger Earnings?
2026-08-13 12:49 · Yahoo
Synchrony and OpenAI Partner to Drive Growth in Agentic Commerce
2026-08-18 15:08 · Yahoo
Sam Stovall’s Warning: Consumer Spending Will Collapse the Moment Banks Tighten Credit
2026-08-16 12:00 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.