Synchrony Financial (SYF) Stock Price & Analysis
Synchrony Financial (SYF) closed at USD 75.09 on Thursday, October 22, 2026, up 1.32% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 74.11; the Oct 22, 2026 session ranged USD 73.57–75.6 on volume of 3,757,828 shares. Market capitalization is $24.43B, with a 52-week range of USD 63.08–88.77 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/SYF.md
Key facts (SYF)
- Last four reported quarters (through Sep 30, 2026): revenue $19.3B, net income $3.33B (17.3% margin) (SEC filings).
- Valuation: P/E 7.3x (avg 7.8x at the last 3 fiscal year-ends).
- 3 of 80 tracked superinvestors hold SYF (13F, Q2 2026): 0 new, 1 added, 0 reduced, 2 unchanged.
- Analysts: Buy (mean 2.21 on a 1–5 scale) (24 analysts), mean target USD 87.54 (range 73–104).
- Total return with dividends: 1Y +4.2% vs S&P 500 +14.9%; 5Y +70.6% vs S&P 500 +80.3%.
- Next earnings: 2026-10-20, EPS estimate USD 2, revenue estimate $3.92B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (SYF)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B | $19.3B |
| Net income | $4.22B | $3.02B | $2.24B | $3.50B | $3.55B | $3.33B |
| EPS (diluted) | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 | — |
| Net margin | 28.7% | 18.8% | 12.9% | 17.9% | 18.7% | 17.3% |
| Revenue growth | -0.6% | +8.7% | +8.0% | +13.0% | -2.8% | — |
| Cash + short-term investments | $8.34B | $10.3B | $14.3B | $14.7B | $15.0B | — |
| Total debt | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Sep 30, 2026) (SYF)
P/E 7.3x · P/S 1.3x · P/B 1.5x · Earnings yield 13.64% · Dividend yield (paid, TTM) 1.72% · Buyback yield (TTM) 15.72%
P/E at fiscal year-ends: Dec 2025 8.8x, Dec 2024 7.4x, Dec 2023 7.2x.
Superinvestors (SEC 13F-HR, Q2 2026) (SYF)
3 of 80 tracked investors hold SYF. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Francis Chou | Chou Associates | 7.84% | $17.0M | Unchanged |
| Bill Nygren | Oakmark Funds | 0.75% | $566M | Added +59.8% |
| Christopher Bloomstran | Semper Augustus | 0.04% | $337K | Unchanged |
Analysts (SYF)
Consensus Buy (mean 2.21 on a 1–5 scale), 24 analysts; mean target USD 87.54 (low 73, high 104).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-21 | JP Morgan | Target raised | Neutral | $74 → $77 |
| 2026-10-21 | Evercore ISI Group | Downgrade | Outperform → In-Line | $80 → $78 |
| 2026-10-21 | Barclays | Target raised | Overweight | $93 → $94 |
| 2026-10-12 | Morgan Stanley | Target lowered | Equal-Weight | $84 → $83 |
| 2026-10-12 | JP Morgan | Target lowered | Neutral | $78 → $74 |
| 2026-10-09 | BMO Capital | Initiated | Market Perform | $81 |
| 2026-10-06 | TD Cowen | Target lowered | Buy | $90 → $86 |
| 2026-10-05 | UBS | Target lowered | Neutral | $87 → $81 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $86 → $80 |
| 2026-08-25 | Wolfe Research | Target raised | Outperform | $85 → $90 |
| 2026-08-03 | UBS | Target raised | Neutral | $84 → $87 |
| 2026-07-28 | Evercore ISI Group | Target lowered | Outperform | $90 → $86 |
Total return (dividends reinvested) (SYF)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +4.2% | +70.6% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +4.3% | +11.3% |
| Volatility (annualized) | 31.6% | 34.2% |
| Max drawdown | -27.6% (Jan 2026→Mar 2026) | -43.9% (Nov 2021→May 2023) |
SYF suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Federal Deposit Insurance | “In addition, through the Bank, we offer, directly to retail, affinity relationships and commercial customers, a range of deposit products insured by the Federal Deposit Insurance Corporation ("FDIC"), including certificates of deposit, individual retirement accounts ("IRAs"), money market accounts, savings accounts and sweep and affinity deposits.” |
| Customer | Fiserv Solutions | “Fiserv provides the core banking platform for our online retail deposits including a customer-facing account opening and servicing platform.” |
| Partner | Lowe's (LOW) | “Our business benefits from longstanding and collaborative relationships with our partners, including some of the nation's leading retailers and manufacturers with well-known consumer brands, such as Lowe's and Sam's Club, and also leading digital partners, such as Amazon and PayPal.” |
| Partner | Amazon (AMZN) | “Our business benefits from longstanding and collaborative relationships with our partners, including some of the nation's leading retailers and manufacturers with well-known consumer brands, such as Lowe's and Sam's Club, and also leading digital partners, such as Amazon and PayPal.” |
| Partner | PayPal (PYPL) | “Our business benefits from longstanding and collaborative relationships with our partners, including some of the nation's leading retailers and manufacturers with well-known consumer brands, such as Lowe's and Sam's Club, and also leading digital partners, such as Amazon and PayPal.” |
| Partner | Chevron (CVX) | “Our Home & Auto sales platform partners include a wide range of key retailers in the home improvement, furniture, bedding, flooring, appliance and electronics industries, such as Ashley HomeStores Inc., Floor & Decor, Lowe's, and Mattress Firm, as well as automotive merchandise and services, such as Chevron and Discount Tire.” |
| Partner | Ashley HomeStores | “Our Home & Auto sales platform partners include a wide range of key retailers in the home improvement, furniture, bedding, flooring, appliance and electronics industries, such as Ashley HomeStores Inc., Floor & Decor, Lowe's, and Mattress Firm, as well as automotive merchandise and services, such as Chevron and Discount Tire.” |
| Partner | QVC Group | “Our Digital sales platform includes key partners delivering digital payment solutions, such as PayPal, including our Venmo program, online marketplaces, such as Amazon, and digital-first brands and merchants, such as the QVC Group, Inc., Verizon and Virgin Red.” |
| Partner | Verizon (VZ) | “Our Digital sales platform includes key partners delivering digital payment solutions, such as PayPal, including our Venmo program, online marketplaces, such as Amazon, and digital-first brands and merchants, such as the QVC Group, Inc., Verizon and Virgin Red.” |
| Partner | Club and TJX Companies | “Our Diversified & Value sales platform is comprised of six large retail partners: Belk, Fleet Farm, JCPenney, OnePay, Sam's Club and TJX Companies, Inc. In September 2025, we launched our new partnership with OnePay to become the exclusive issuer of a general purpose and private label credit card program at Walmart.” |
| Partner | Walmart (WMT) | “Our Diversified & Value sales platform is comprised of six large retail partners: Belk, Fleet Farm, JCPenney, OnePay, Sam's Club and TJX Companies, Inc. In September 2025, we launched our new partnership with OnePay to become the exclusive issuer of a general purpose and private label credit card program at Walmart.” |
| Partner | Visa (V) | “We also face risks related to cyber-attacks and other security breaches in connection with credit card and deposit transactions that typically involve the transmission of sensitive information regarding our customers through various third-parties, including our partners, retailers that are not our partners where our Dual Cards and general purpose co-branded credit cards are used, merchant acquiring banks, payment …” |
| Competitor | Apple (AAPL) | “In the future, we expect our products may face increased competitive pressure to the extent that our products are not accepted in, or compatible with, digital wallet technologies such as Apple Pay, Samsung Pay, Google Pay and other similar technologies.” |
| Competitor | Alphabet (Google) (GOOGL) | “In the future, we expect our products may face increased competitive pressure to the extent that our products are not accepted in, or compatible with, digital wallet technologies such as Apple Pay, Samsung Pay, Google Pay and other similar technologies.” |
| Competitor | Samsung Electronics | “In the future, we expect our products may face increased competitive pressure to the extent that our products are not accepted in, or compatible with, digital wallet technologies such as Apple Pay, Samsung Pay, Google Pay and other similar technologies.” |
Quoted from the company's 10-K filed Feb 6, 2026.
SYF analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $2.00 | $2.19 | -8.8% | $3.92B | 17 |
| Next quarter (ends Mar 2027) | $2.56 | $2.55 | +0.5% | $3.91B | 15 |
| Current fiscal year (ends Dec 2026) | $9.54 | $9.37 | +1.8% | $15.14B | 17 |
| Next fiscal year (ends Dec 2027) | $10.48 | $10.48 | -0.0% | $15.93B | 23 |
SYF options: expected move
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 32.1% | ±7.2% |
| Dec 18, 2026 | 56 | 31.9% | ±10.0% |
| Jan 15, 2027 | 84 | 29.9% | ±11.5% |
| Mar 19, 2027 | 147 | 31.8% | ±16.0% |
| Jun 17, 2027 | 237 | 31.8% | ±20.2% |
| Sep 17, 2027 | 329 | 33.7% | ±24.9% |
30-day implied volatility 30.7% vs 23.5% realized over the last 30 trading days. Put/call ratio (volume) 3.28. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:23 UTC)
| Price | USD 75.09 |
|---|---|
| Change | ▲ 1.32% (up) |
| Previous Close | USD 74.11 |
| Open | USD 73.59 |
| Day Range | USD 73.57 – 75.6 |
| 52-Week Range | USD 63.08 – 88.77 |
| Volume | 3,757,828 shares |
| Market Cap | $24.43B |
| Exchange | NYQ |
Technical Analysis (SYF)
Nexqual's technical model rates SYF "NEUTRAL" based on 3 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 09:23 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 51.56 (neutral) |
| vs SMA50 | Below (USD 75.57) |
| MACD | -0.14 (negative) |
Analyst Ratings (SYF)
Wall Street analysts rate SYF "Buy" based on 24 analysts, with a mean price target of USD 87.54 (range USD 73–104), per Nexqual as of October 23, 2026 at 09:23 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 24 |
| Mean Target | USD 87.54 |
| High Target | USD 104 |
| Low Target | USD 73 |
| Buy / Hold / Sell | 15 / 9 / 0 |
Earnings (SYF)
| Next Earnings Date | 2026-10-20 |
|---|---|
| EPS Estimate | USD 2 |
| Revenue Estimate | $3.92B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 2.68 vs est 2.4 ▲ beat |
| 2026-06-30 | USD 2.59 vs est 2.13 ▲ beat |
| 2026-03-31 | USD 2.27 vs est 2.16 ▲ beat |
| 2025-12-31 | USD 2.18 vs est 2.02 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financials & Fundamentals (SYF)
| Total Revenue | $9.91B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +0.60% |
| Gross Margin | +0.00% |
| Operating Margin | +50.22% |
| Profit Margin | +35.51% |
| ROE | +20.79% |
| Total Cash | $16.19B |
| Total Debt | $16.43B |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financial Health Score (SYF)
Nexqual rates Synchrony Financial's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:23 UTC.
| Growth | Weak — Revenue -7% YoY (annual), declining |
|---|---|
| Profitability | Strong — Net margin 23% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Strong — ROE 21%, ROA 2.9% |
Ownership (SYF)
| Insider Ownership | +0.35% |
|---|---|
| Institutional Ownership | +108.86% |
| Shares Outstanding | 325.37M |
| Float | 323.12M |
| Short % of Float | +7.13% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Leadership (SYF)
Synchrony Financial is led by Brian D. Doubles, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:23 UTC.
| President, CEO & Director | Brian D. Doubles |
|---|---|
| Executive VP & CFO | Brian J. Wenzel |
| Executive VP & CTO | Florin Arghirescu |
| Senior Vice President & Director of Investor Relations | Kathryn Harmon Miller |
Major Backers & Investors (SYF)
Notable institutional backers of Synchrony Financial include Capital Group, Bank of America Corporation, Goldman Sachs, according to Nexqual as of October 23, 2026 at 09:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Capital Group | 5.81% |
| Bank of America Corporation | 4.54% |
| Goldman Sachs | 3.1% |
| AMERICAN BALANCED FUND | 2.88% |
| First Trust Advisors LP | 2.37% |
| Par Capital Management Inc | 2.34% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 12.33% |
| BlackRock | 9.49% |
| State Street | 5.45% |
| Geode Capital | 3.03% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
From Synchrony Financial's Latest SEC 10-K Filing (filed 2026-02-06)
Key Strengths & Strategy (as disclosed to the SEC)
- Our Digital sales platform includes key partners delivering digital payment solutions, such as PayPal, including our Venmo program, online marketplaces, such as Amazon, and digital-first brands and merchants, such as the QVC Group, Inc., Verizon and Virgin Red.
- Our business benefits from longstanding and collaborative relationships with our partners, including some of the nation's leading retailers and manufacturers with well-known consumer brands, such as Lowe's and Sam's Club, and also leading digital partners, such as Amazon and PayPal.
- Our proprietary access to data and insights from our nearly 70 million customers, as well as additional consumer data from our partners and other third parties, allows us to meaningfully connect with consumers based on their unique attributes.
- We have developed proprietary credit tools which we call Synchrony PRISM.
Partnerships
- During the year ended December 31, 2025, we extended our program agreement with Amazon and announced the expansion of our existing Lowe's commercial program, including the acquisition of Lowe's commercial co-branded credit card portfolio, which we expect to close in the first half of 2026.
- In September 2025, we launched our new partnership with OnePay to become the exclusive issuer of a general purpose and private label credit card program at Walmart.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | USD 72.4 | ▼ 1.51% |
| SOFI | SoFi Technologies, Inc. | USD 14.77 | ▼ 0.87% |
| PYPL | PayPal Holdings, Inc. | USD 57.54 | ▲ 0.59% |
| ALLY | Ally Financial Inc. | USD 39.31 | ▲ 1.6% |
| FCFS | FirstCash Holdings, Inc. | USD 184.78 | ▼ 14.75% |
| OMF | OneMain Holdings, Inc. | USD 57.11 | ▲ 0.49% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:23 UTC. This page is informational and not investment advice.
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