Synchrony Financial (SYF) Stock Price & Analysis
Synchrony Financial (SYF) rose 1.57% to USD 72.9 as of July 25, 2026 at 01:46 UTC, according to Nexqual real-time market data.
SYF last closed at USD 71.77; the session ranged USD 71.03–73.84 on volume of 3,847,589 shares. Market capitalization is $23.72B, with a 52-week range of USD 63.08–88.77 (NYQ). Source: Nexqual, July 25, 2026 at 01:46 UTC.
Key Statistics (as of July 25, 2026 at 01:46 UTC)
| Price | USD 72.9 |
|---|---|
| Change | ▲ 1.57% (up) |
| Previous Close | USD 71.77 |
| Open | USD 71.19 |
| Day Range | USD 71.03 – 73.84 |
| 52-Week Range | USD 63.08 – 88.77 |
| Volume | 3,847,589 shares |
| Market Cap | $23.72B |
| Exchange | NYQ |
Technical Analysis (SYF)
Nexqual's technical model rates SYF "STRONG SELL" based on 0 bullish and 5 bearish signals across 125 daily candles, as of July 25, 2026 at 01:46 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 49.86 (neutral) |
| vs SMA50 | Below (USD 73.07) |
| MACD | -0.38 (negative) |
Analyst Ratings (SYF)
Wall Street analysts rate SYF "Buy" based on 23 analysts, with a mean price target of USD 89.13 (range USD 78–104), per Nexqual as of July 25, 2026 at 01:46 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 23 |
| Mean Target | USD 89.13 |
| High Target | USD 104 |
| Low Target | USD 78 |
| Buy / Hold / Sell | 16 / 8 / 0 |
Earnings (SYF)
| Next Earnings Date | 2026-10-14 |
|---|---|
| EPS Estimate | USD 2.39 |
| Revenue Estimate | $3.84B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 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 |
| 2025-09-30 | USD 2.86 vs est 2.21 ▲ beat |
Source: Nexqual, July 25, 2026 at 01:46 UTC.
Financials & Fundamentals (SYF)
| Total Revenue | $9.91B |
|---|---|
| Revenue Growth (YoY) | +0.60% |
| Gross Margin | +0.00% |
| Operating Margin | +47.12% |
| Profit Margin | +35.51% |
| ROE | +20.79% |
| Total Cash | $16.19B |
| Total Debt | $16.43B |
Source: Nexqual, July 25, 2026 at 01:46 UTC.
Financial Health Score (SYF)
Nexqual rates Synchrony Financial's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 01:46 UTC.
| Growth | Weak — Revenue -7% YoY (annual), declining |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $16.2B cash vs $16.4B debt |
| Cash Flow | Mixed — No data |
| Efficiency | Strong — ROE 21%, ROA 2.9% |
Ownership (SYF)
| Insider Ownership | +0.35% |
|---|---|
| Institutional Ownership | +111.53% |
| Shares Outstanding | 325.37M |
| Float | 323.20M |
| Short % of Float | +7.10% |
Source: Nexqual, July 25, 2026 at 01:46 UTC.
Leadership (SYF)
Synchrony Financial is led by Brian D. Doubles (age 49), President, CEO & Director, per Nexqual as of July 25, 2026 at 01:46 UTC.
| President, CEO & Director | Brian D. Doubles (age 49) |
|---|---|
| Executive VP & CFO | Brian J. Wenzel (age 57) |
| 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, AMERICAN BALANCED FUND, Bank of America Corporation, according to Nexqual as of July 25, 2026 at 01:46 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Capital Group | 10.05% |
| AMERICAN BALANCED FUND | 6.05% |
| Bank of America Corporation | 4.78% |
| Goldman Sachs | 2.85% |
| Income Fund of America | 2.57% |
| Par Capital Management Inc | 2.26% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 21.32% |
| BlackRock | 10.42% |
| State Street | 6.48% |
| Geode Capital | 2.96% |
Source: Nexqual, July 25, 2026 at 01:46 UTC.
From Synchrony Financial's Latest SEC 10-K Filing (filed 2026-02-06)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| CFG | Citizens Financial Group, Inc. | USD 71.88 | ▼ 0.77% |
| MTB | M&T Bank Corporation | USD 249.6 | ▼ 0.45% |
| ALLY | Ally Financial Inc. | USD 42.92 | ▼ 3.92% |
| BNY | The Bank of New York Mellon Cor | USD 158.91 | ▼ 0.92% |
| COF | Capital One Financial Corporati | USD 202.84 | ▲ 0.74% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 01:46 UTC. This page is informational and not investment advice.