Synchrony Financial
SYF
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-07.
- Synchrony Financial operates in a competitive credit services industry with a strong market position and a recommendation to buy, indicating investor confidence.
- The company has a trailing P/E ratio of 7.39, suggesting it may be undervalued compared to its earnings.
- In the latest quarter, Synchrony reported a revenue of $3.7 billion, which is a 1% increase compared to the prior quarter.
- The financial services sector is facing regulatory pressures that could impact profitability and growth for credit service providers like Synchrony.
- The company's revenue growth is only 0.6%, indicating a stagnation in sales performance.
- Synchrony's net income for the latest quarter was $885 million, which is lower than the $1.08 billion reported in the previous quarter.
Fundamentals
| Market cap | $23.99B | Enterprise value | $25.94B | Trailing P/E | 7.55 | Forward P/E | 7.05 |
| PEG | 0.88 | Price / book | 1.58 | Beta | 1.34 | Dividend yield | 1.84% |
| Revenue growth | 0.6% | Earnings growth | 3.6% | Gross margin | 0.0% | Operating margin | 50.2% |
| Profit margin | 35.5% | ROE | 20.8% | ROA | 2.9% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | buy | Mean target | $88.17 |
| 52w high | $88.77 | 52w low | $63.08 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $3.7B | $3.7B | $3.8B | $3.8B | $3.6B | — |
| Op margin | — | — | — | — | — | — |
| Net income | $885M | $805M | $751M | $1.1B | $967M | — |
| Gross margin | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
- Revenue +1% vs prior quarter ($3.7B vs $3.7B).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $15.0B | $15.1B | $13.6B | $11.7B |
| Op margin | — | — | — | — |
| Net income | $3.6B | $3.5B | $2.2B | $3.0B |
| Gross margin | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating income | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-09 · BMO Capital Initiates Coverage on Synchrony Financial With Market Perform Rating, $81 PT
2026-10-08 · Reflecting On Credit Card Stocks’ Q2 Earnings: Synchrony Financial (NYSE:SYF)
2026-10-07 · Seaport Global Adjusts Price Target on Synchrony Financial to $93 From $94
2026-10-06 · TD Cowen Adjusts Price Target on Synchrony Financial to $86 From $90, Maintains Buy Rating
2026-10-05 · Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
2026-10-05 · UBS Adjusts Price Target on Synchrony Financial to $81 From $87, Keeps Neutral Rating
2026-10-05 · Goldman Sachs Adjusts Synchrony Financial Price Target to $82 From $87, Maintains Buy Rating
2026-10-05 · 2 Mid-Cap Stocks with Competitive Advantages and 1 We Turn Down
2026-10-02 · Evercore ISI Cuts Synchrony Financial Price Target to $80 From $86, Maintains Outperform Rating
2026-10-02 · Synchrony Deepens CareCredit's Veterinary Reach With Vetspire Tie-Up
2026-09-30 · Synchrony Financial (SYF) Could Be 20% Below Fair Value Following Vetspire Partnership
2026-09-30 · How Can Trust Shape Synchrony Financial's AI Shopping Opportunity?
Price (daily)
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