Stocks · Financial Services · Financial - Credit Services
Synchrony Financial SYF
$71.77 +0.36% Close, Oct 2, 2026 · NYSE · Market cap $23.35B
Inexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 11.9% in a year, mainly through buybacks.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +12.9%).
- Diluted EPS over the last four quarters was $9.76, up 18.4% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 21%
- EPS growth (TTM, YoY)Bottom 49%
- FCF growth (TTM, YoY)Bottom 31%
- Revenue growth, 3-year CAGRBottom 43%
- Revenue growth accelerationTop 38%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 40%
- Gross marginBottom 25%
- Operating marginTop 43%
- Cash conversion (OCF / net income)Top 13%
- Accruals (lower is better)Top 16%
- Net debt / EBITDA (lower is better)Top 30%
- Interest coverTop 44%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 7%
- Free-cash-flow yieldTop 6%
- EBITDA / enterprise valueTop 7%
- Sales / enterprise valueTop 14%
- P/E vs own 5-year history (lower is better)Bottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 46%
- 6-month returnBottom 49%
- 1-year return vs S&P 500Bottom 40%
- Distance from 52-week highBottom 26%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 21%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyTop 32%
- Upside to consensus price targetTop 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 34%
- Maximum drawdown, 3 yearsBottom 28%
- Beta vs S&P 500 (lower is better)Bottom 7%
- Net debt / EBITDA (lower is better)Top 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -3.2% | -2.4% | ↑ |
| EPS growth (YoY) | 32.6% | 18.4% | ↓ |
| Gross margin | 47.3% | 52.3% | ↑ |
| Operating margin | 21.8% | 24.3% | ↑ |
| FCF margin | 50.8% | 51.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -2.4% | -3.2% | ↑ | Bottom 21% |
| EPS growth (TTM, YoY) | 18.4% | 32.6% | ↓ | Bottom 49% |
| Gross margin | 52.3% | 47.3% | ↑ | Bottom 25% |
| Operating margin | 24.3% | 21.8% | ↑ | Top 43% |
| Net margin | 18.6% | 16.9% | ↑ | — |
| Free-cash-flow margin | 51.1% | 50.8% | ↑ | — |
| Return on invested capital | 2.9% | — | Top 40% | |
| Revenue growth, 3-year CAGR | 13.2% | — | Bottom 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.76×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.80%
- Net buyback yield (TTM)
- 13.34%
- Shareholder yield
- 15.14%
- Share count change, 1 year
- -11.9%
- Share count change, 3-year CAGR
- -7.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +12.9%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $88.30
- Target vs current price
- +23.0%
- Analysts with a rating
- 41
- Share rating Buy or Strong Buy
- 61%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +21.0% | -1.6% | +2.6% | +10.0% | — |
| Apr 21, 2026 | +3.2% | -1.2% | -2.3% | -9.6% | -5.5% |
| Jan 27, 2026 | +1.0% | -5.8% | -5.1% | -8.7% | +1.5% |
| Oct 15, 2025 | +26.5% | -0.7% | +1.6% | +2.2% | +19.3% |
| Jul 22, 2025 | +37.4% | +1.8% | +4.9% | +3.4% | +4.9% |
| Apr 22, 2025 | +13.2% | +2.8% | +10.5% | +27.1% | +48.6% |
| Jan 28, 2025 | -1.0% | -4.6% | -3.3% | -14.8% | -28.6% |
| Oct 16, 2024 | +8.4% | +6.1% | +4.5% | +22.2% | +21.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $2.59 | $2.14 | +21.0% | $3.72B |
| Apr 21, 2026 | $2.27 | $2.20 | +3.2% | $3.70B |
| Jan 27, 2026 | $2.07 | $2.05 | +1.0% | $3.79B |
| Oct 15, 2025 | $2.86 | $2.26 | +26.5% | $4.83B |
| Jul 22, 2025 | $2.50 | $1.82 | +37.4% | $4.71B |
| Apr 22, 2025 | $1.89 | $1.67 | +13.2% | $5.70B |
| Jan 28, 2025 | $1.91 | $1.93 | -1.0% | $3.80B |
| Oct 16, 2024 | $1.94 | $1.79 | +8.4% | $3.81B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.4× | 6.9× | 67th | Top 7% |
| P/E (forward) | 7.7× | — | — | — |
| EV / EBITDA | 4.6× | — | — | Top 7% |
| EV / Sales | 1.24× | — | — | Top 14% |
| Free-cash-flow yield | 41.51% | — | — | Top 6% |
| Earnings yield | 13.60% | — | — | Top 7% |
P/E over the past five years
Range 4.7× – 8.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +2.8%
- Earnings per share growth (TTM)
- +18.4%
- Change in P/E multiple
- -16.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.1%
- 200-day average slope (20 days)
- -0.5%
- Distance from 50-day average
- -6.4%
- Distance from 200-day average
- -3.9%
- RSI (14)
- 39.0
- Relative volume
- 1.07×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.6%
- Volatility vs own 5-year history
- 10th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.49
- Correlation with S&P 500
- 0.70
- Current drawdown from 1-year high
- -18.9%
- Maximum drawdown, 3 years
- -38.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 19, 2021 | May 4, 2023 | -48.9% | 387 days | 362 days (Oct 11, 2024) |
| Jan 24, 2025 | Apr 4, 2025 | -38.0% | 49 days | 65 days (Jul 10, 2025) |
| Jan 6, 2026 | Mar 13, 2026 | -27.9% | 46 days | Not yet recovered |
| Jan 20, 2021 | Jan 29, 2021 | -15.7% | 7 days | 17 days (Feb 24, 2021) |
| Oct 16, 2020 | Oct 30, 2020 | -14.8% | 10 days | 6 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $23.35B
- P/E (TTM)
- 7.4
- EPS, diluted (TTM)
- $9.76
- Revenue (TTM)
- $18.96B
- Dividend yield
- 1.73%
- 52-week range
- $63.08 – $88.77
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $11.22B | $13.20B | $17.34B | $20.76B | $19.12B |
| Gross profit | $9.47B | $8.30B | $7.66B | $9.39B | $9.76B |
| Operating income | $5.50B | $3.96B | $2.90B | $4.55B | $4.62B |
| Net income | $4.22B | $3.02B | $2.24B | $3.50B | $3.55B |
| EPS (diluted) | $7.34 | $6.15 | $5.19 | $8.55 | $9.29 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.99B | $4.92B | $4.80B | $4.71B | $4.83B | $4.77B | $4.67B | $4.69B |
| Net income | $789.0M | $774.0M | $757.0M | $967.0M | $1.08B | $751.0M | $805.0M | $885.0M |
| EPS (diluted) | $1.94 | $1.91 | $1.89 | $2.50 | $2.86 | $2.04 | $2.27 | $2.59 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.10B | $6.69B | $8.59B | $9.85B | $9.85B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $7.10B | $6.69B | $8.59B | $9.85B | $9.85B |
| Dividends paid | -$500.0M | -$434.0M | -$406.0M | -$398.0M | -$427.0M |
| Net share buybacks | -$2.88B | -$3.32B | -$1.11B | -$1.01B | -$2.94B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $16.19B
- Total assets
- $121.93B
- Total liabilities
- $105.03B
- Total debt
- $16.43B
- Net debt
- $239.0M
- Shareholders’ equity
- $16.90B
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.34 | Aug 17, 2026 |
| May 5, 2026 | $0.30 | May 15, 2026 |
| Feb 6, 2026 | $0.30 | Feb 17, 2026 |
| Nov 5, 2025 | $0.30 | Nov 17, 2025 |
| Aug 5, 2025 | $0.30 | Aug 15, 2025 |
| May 5, 2025 | $0.30 | May 15, 2025 |
| Feb 3, 2025 | $0.25 | Feb 18, 2025 |
| Nov 4, 2024 | $0.25 | Nov 15, 2024 |
Short interest
- Shares sold short
- 18,821,471
- Days to cover
- 6.89
- Change vs previous report
- +5.5%
FINRA short interest, settlement date Sep 15, 2026.