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Synchrony Financial

$75.99 -$8.66 (-10.23%)

NYSE · 11 Sep 2026 20:00 UTC

Previous Close

$75.44

Day Range

$74.77$76.82

Year Range

$63.08$88.77

Market Cap

24.72B

AVG Volume

3.62M

Trailing/Forward PE

7.71/7.28

PEG ratio

0.66

Dividend Yield

1.63%

Next Earnings Date

2026-10-21

Primary Exchange

New York Stock Exchange

Revenue (USD)

SYF Revenue (USD) by year
Period	Revenue (USD)
2025	19.12B
2024	19.69B
2023	17.34B
2022	13.2B
2021	11.22B
2020	12.83B
2019	15.6B
2018	15.15B
2017	13.76B
2016	12.22B

Net Income (USD)

SYF Net Income (USD) by year
Period	Net Income (USD)
2025	3.55B
2024	3.5B
2023	2.24B
2022	3.02B
2021	4.22B
2020	1.39B
2019	3.75B
2018	2.79B
2017	1.94B
2016	2.25B

Operating Income (USD)

SYF Operating Income (USD) by year
Period	Operating Income (USD)
2025	4.62B
2024	4.55B
2023	2.9B
2022	3.96B
2021	5.5B
2020	1.8B
2019	4.89B
2018	3.64B
2017	3.32B
2016	3.57B

EBITDA (USD)

SYF EBITDA (USD) by year
Period	EBITDA (USD)
2025	5.13B
2024	5.03B
2023	3.36B
2022	4.38B
2021	5.89B
2020	2.18B
2019	5.25B
2018	3.95B
2017	3.58B
2016	3.79B

Cash Flows (USD)

SYF Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	9.85B
2024	9.85B
2023	8.59B
2022	6.69B
2021	7.1B
2020	7.49B
2019	8.99B
2018	9.34B
2017	8.92B
2016	6.82B

EPS (USD)

SYF EPS (USD) by year
Period	EPS (USD)
2025	9.29
2024	8.54
2023	5.18
2022	6.16
2021	7.33
2020	2.27
2019	5.55
2018	3.75
2017	2.41
2016	2.71

Expenses (USD)

SYF Expenses (USD) by year
Period	Expenses (USD)
2025	2.6B
2024	2.35B
2023	2.37B
2022	2.17B
2021	1.99B
2020	1.79B
2019	2B
2018	1.96B
2017	1.8B
2016	1.63B

Cash & Debt (USD)

SYF Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	17.32B
2024	17.79B
2023	18.06B
2022	15.17B
2021	13.62B
2020	18.99B
2019	18.06B
2018	15.46B
2017	16.07B
2016	14.42B

Debt ratios

SYF Debt ratios by year
Period	Debt ratios
2025	-0.12
2024	-0.12
2023	-0.13
2022	-0.06
2021	0.05
2020	-0.22
2019	0.11
2018	0.57

Margins

SYF Margins by year
Period	Margins
2025	51.04%
2024	42.27%
2023	44.19%
2022	62.9%
2021	84.34%
2020	45.62%
2019	58.53%
2018	51.07%
2017	51.4%
2016	57.17%

Return on Capital

SYF Return on Capital by year
Period	Return on Capital
2025	21.19%
2024	21.1%
2023	16.1%
2022	23.43%
2021	30.91%
2020	10.9%
2019	24.83%
2018	19.01%
2017	13.59%
2016	15.86%

Shares Outstanding

SYF Shares Outstanding by year
Period	Shares Outstanding
2025	357.84M
2024	389.3M
2023	411.9M
2022	445.8M
2021	537.8M
2020	583.9M
2019	633.7M
2018	718.7M
2017	778.7M
2016	820.5M

Dividends (USD)

SYF Dividends (USD) by year
Period	Dividends (USD)
2026	0.94
2025	1.15
2024	1
2023	0.96
2022	0.9
2021	0.88
2020	0.88
2019	0.86
2018	0.72
2017	0.56

Employee Count

SYF Employee Count by year
Period	Employee Count
2025	20K
2024	20K
2023	20K
2022	18.5K
2021	18K
2020	16.5K
2019	16.5K
2018	16.5K
2017	16K
2016	15K

Book Value Per Share (USD)

SYF Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	46.85
2024	42.59
2023	33.75
2022	28.88
2021	25.39
2020	21.75
2019	23.81
2018	20.42
2017	18.28
2016	17.3

Total Assets (USD)

SYF Total Assets (USD) by year
Period	Total Assets (USD)
2025	119.09B
2024	119.46B
2023	117.48B
2022	104.56B
2021	95.75B
2020	95.95B
2019	104.83B
2018	106.79B
2017	95.81B
2016	90.21B

PE Ratio

SYF PE Ratio by year
Period	PE Ratio
Sep 26	7.16
Sep 26	7.53
Aug 26	7.35
Aug 26	7.48
Aug 26	7.63
Aug 26	7.4
Jul 26	7.14
Jul 26	6.87
Jul 26	7
Jul 26	6.89
Jul 26	7.26
Jun 26	7.48
Jun 26	7.16
Jun 26	6.98
Jun 26	6.74
May 26	6.79
May 26	6.83
May 26	6.79
May 26	6.96
May 26	7.21
Apr 26	7.26
Apr 26	7.89
Apr 26	7.29
Apr 26	6.89
Mar 26	6.58
Mar 26	6.67
Mar 26	6.43
Mar 26	6.72
Feb 26	6.96
Feb 26	7.39
Feb 26	7.19
Feb 26	7.57
Jan 26	7.63
Jan 26	8.05
Jan 26	8.43
Jan 26	9.13
Jan 26	8.9
Dec 25	9.04
Dec 25	8.9
Dec 25	8.85
Dec 25	8.45
Nov 25	8.13
Nov 25	7.84
Nov 25	7.68
Nov 25	7.69
Oct 25	7.82
Oct 25	7.87
Oct 25	8.18
Oct 25	7.78
Oct 25	8.15
Sep 25	8.53
Sep 25	8.77
Sep 25	8.63
Sep 25	8.65
Aug 25	8.74
Aug 25	8.38
Aug 25	8.18
Aug 25	7.95
Aug 25	7.73
Jul 25	8.34
Jul 25	9.11
Jul 25	9.18
Jul 25	9.12
Jun 25	8.6
Jun 25	8.1
Jun 25	7.78
Jun 25	7.7
May 25	7.49
May 25	7.38
May 25	7.9
May 25	7.23
May 25	7.04
Apr 25	6.68
Apr 25	5.33
Apr 25	5.13
Apr 25	4.87
Mar 25	5.83
Mar 25	6.01
Mar 25	5.93
Mar 25	6.09
Feb 25	6.75
Feb 25	6.83
Feb 25	7.26
Feb 25	7.51
Jan 25	8.55
Jan 25	8.75
Jan 25	8.52
Jan 25	7.9
Jan 25	8.28
Dec 24	8.17
Dec 24	8.11
Dec 24	8.44
Dec 24	8.42
Nov 24	8.37
Nov 24	8.18
Nov 24	8.05
Nov 24	7.91
Nov 24	6.85
Oct 24	6.84
Oct 24	7.5

Free Cash Flow Yield

SYF Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	38.51%
Sep 26	36.61%
Aug 26	37.49%
Aug 26	36.82%
Aug 26	36.12%
Aug 26	37.23%
Jul 26	38.61%
Jul 26	40.14%
Jul 26	39.01%
Jul 26	39.65%
Jul 26	37.63%
Jun 26	36.51%
Jun 26	38.16%
Jun 26	39.15%
Jun 26	40.54%
May 26	40.2%
May 26	39.98%
May 26	40.24%
May 26	39.27%
May 26	37.91%
Apr 26	37.64%
Apr 26	35.14%
Apr 26	38.02%
Apr 26	40.24%
Mar 26	42.12%
Mar 26	41.59%
Mar 26	43.16%
Mar 26	41.29%
Feb 26	39.83%
Feb 26	37.52%
Feb 26	38.57%
Feb 26	36.63%
Jan 26	35.73%
Jan 26	33.87%
Jan 26	32.36%
Jan 26	29.87%
Jan 26	30.66%
Dec 25	30.17%
Dec 25	30.65%
Dec 25	30.81%
Dec 25	32.29%
Nov 25	33.55%
Nov 25	34.78%
Nov 25	35.51%
Nov 25	35.46%
Oct 25	34.89%
Oct 25	34.68%
Oct 25	36.71%
Oct 25	38.59%
Oct 25	36.86%
Sep 25	35.22%
Sep 25	34.28%
Sep 25	34.83%
Sep 25	34.72%
Aug 25	34.39%
Aug 25	35.86%
Aug 25	36.72%
Aug 25	37.81%
Aug 25	38.87%
Jul 25	36.01%
Jul 25	36.32%
Jul 25	36.03%
Jul 25	36.26%
Jun 25	38.44%
Jun 25	40.81%
Jun 25	42.52%
Jun 25	42.96%
May 25	44.13%
May 25	44.84%
May 25	41.84%
May 25	45.73%
May 25	46.96%
Apr 25	49.48%
Apr 25	52.84%
Apr 25	54.84%
Apr 25	57.74%
Mar 25	48.25%
Mar 25	46.83%
Mar 25	47.43%
Mar 25	46.21%
Feb 25	41.69%
Feb 25	41.19%
Feb 25	38.79%
Feb 25	37.48%
Jan 25	36.26%
Jan 25	35.41%
Jan 25	36.38%
Jan 25	39.22%
Jan 25	37.45%
Dec 24	37.94%
Dec 24	38.21%
Dec 24	36.75%
Dec 24	36.82%
Nov 24	37.04%
Nov 24	37.9%
Nov 24	38.49%
Nov 24	39.21%
Nov 24	45.27%
Oct 24	45.35%
Oct 24	42.31%

Price to Sales

SYF Price to Sales by year
Period	Price to Sales
Sep 26	1.33
Sep 26	1.4
Aug 26	1.36
Aug 26	1.39
Aug 26	1.42
Aug 26	1.37
Jul 26	1.32
Jul 26	1.27
Jul 26	1.33
Jul 26	1.31
Jul 26	1.38
Jun 26	1.42
Jun 26	1.36
Jun 26	1.32
Jun 26	1.28
May 26	1.29
May 26	1.3
May 26	1.29
May 26	1.32
May 26	1.37
Apr 26	1.38
Apr 26	1.47
Apr 26	1.36
Apr 26	1.28
Mar 26	1.22
Mar 26	1.24
Mar 26	1.19
Mar 26	1.25
Feb 26	1.29
Feb 26	1.37
Feb 26	1.34
Feb 26	1.41
Jan 26	1.42
Jan 26	1.49
Jan 26	1.56
Jan 26	1.69
Jan 26	1.65
Dec 25	1.68
Dec 25	1.65
Dec 25	1.64
Dec 25	1.57
Nov 25	1.51
Nov 25	1.45
Nov 25	1.43
Nov 25	1.43
Oct 25	1.45
Oct 25	1.46
Oct 25	1.38
Oct 25	1.32
Oct 25	1.38
Sep 25	1.44
Sep 25	1.48
Sep 25	1.46
Sep 25	1.46
Aug 25	1.48
Aug 25	1.42
Aug 25	1.38
Aug 25	1.34
Aug 25	1.31
Jul 25	1.41
Jul 25	1.38
Jul 25	1.39
Jul 25	1.38
Jun 25	1.3
Jun 25	1.23
Jun 25	1.18
Jun 25	1.16
May 25	1.13
May 25	1.12
May 25	1.19
May 25	1.09
May 25	1.06
Apr 25	1.01
Apr 25	0.95
Apr 25	0.91
Apr 25	0.87
Mar 25	1.04
Mar 25	1.07
Mar 25	1.05
Mar 25	1.08
Feb 25	1.2
Feb 25	1.21
Feb 25	1.29
Feb 25	1.33
Jan 25	1.39
Jan 25	1.42
Jan 25	1.38
Jan 25	1.28
Jan 25	1.34
Dec 24	1.33
Dec 24	1.32
Dec 24	1.37
Dec 24	1.37
Nov 24	1.36
Nov 24	1.33
Nov 24	1.31
Nov 24	1.28
Nov 24	1.11
Oct 24	1.11
Oct 24	1.19

EV/EBITDA

SYF EV/EBITDA by year
Period	EV/EBITDA
Sep 26	4.92
Sep 26	5.17
Aug 26	5.05
Aug 26	5.14
Aug 26	5.24
Aug 26	5.08
Jul 26	4.9
Jul 26	4.72
Jul 26	4.04
Jul 26	3.96
Jul 26	4.22
Jun 26	4.37
Jun 26	4.15
Jun 26	4.02
Jun 26	3.86
May 26	3.9
May 26	3.92
May 26	3.89
May 26	4.01
May 26	4.18
Apr 26	4.22
Apr 26	5.04
Apr 26	4.63
Apr 26	4.35
Mar 26	4.14
Mar 26	4.2
Mar 26	4.03
Mar 26	4.23
Feb 26	4.4
Feb 26	4.7
Feb 26	4.56
Feb 26	4.82
Jan 26	4.43
Jan 26	4.72
Jan 26	4.98
Jan 26	5.47
Jan 26	5.31
Dec 25	5.41
Dec 25	5.31
Dec 25	5.28
Dec 25	5
Nov 25	4.78
Nov 25	4.58
Nov 25	4.46
Nov 25	4.47
Oct 25	4.56
Oct 25	4.59
Oct 25	4.35
Oct 25	4.07
Oct 25	4.32
Sep 25	4.59
Sep 25	4.75
Sep 25	4.65
Sep 25	4.67
Aug 25	4.73
Aug 25	4.48
Aug 25	4.34
Aug 25	4.18
Aug 25	4.03
Jul 25	4.46
Jul 25	4.55
Jul 25	4.6
Jul 25	4.56
Jun 25	4.21
Jun 25	3.86
Jun 25	3.64
Jun 25	3.58
May 25	3.44
May 25	3.36
May 25	3.72
May 25	3.26
May 25	3.13
Apr 25	2.89
Apr 25	3.24
Apr 25	3.1
Apr 25	2.93
Mar 25	3.59
Mar 25	3.72
Mar 25	3.66
Mar 25	3.77
Feb 25	4.23
Feb 25	4.29
Feb 25	4.58
Feb 25	4.76
Jan 25	4.87
Jan 25	5.02
Jan 25	4.86
Jan 25	4.43
Jan 25	4.69
Dec 24	4.61
Dec 24	4.57
Dec 24	4.8
Dec 24	4.78
Nov 24	4.75
Nov 24	4.62
Nov 24	4.53
Nov 24	4.43
Nov 24	3.7
Oct 24	3.69
Oct 24	3.83

Price/Operating Cashflow

SYF Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	2.6
Sep 26	2.73
Aug 26	2.67
Aug 26	2.72
Aug 26	2.77
Aug 26	2.69
Jul 26	2.59
Jul 26	2.49
Jul 26	2.56
Jul 26	2.52
Jul 26	2.66
Jun 26	2.74
Jun 26	2.62
Jun 26	2.55
Jun 26	2.47
May 26	2.49
May 26	2.5
May 26	2.49
May 26	2.55
May 26	2.64
Apr 26	2.66
Apr 26	2.85
Apr 26	2.63
Apr 26	2.49
Mar 26	2.37
Mar 26	2.4
Mar 26	2.32
Mar 26	2.42
Feb 26	2.51
Feb 26	2.67
Feb 26	2.59
Feb 26	2.73
Jan 26	2.8
Jan 26	2.95
Jan 26	3.09
Jan 26	3.35
Jan 26	3.26
Dec 25	3.31
Dec 25	3.26
Dec 25	3.25
Dec 25	3.1
Nov 25	2.98
Nov 25	2.88
Nov 25	2.82
Nov 25	2.82
Oct 25	2.87
Oct 25	2.88
Oct 25	2.72
Oct 25	2.59
Oct 25	2.71
Sep 25	2.84
Sep 25	2.92
Sep 25	2.87
Sep 25	2.88
Aug 25	2.91
Aug 25	2.79
Aug 25	2.72
Aug 25	2.64
Aug 25	2.57
Jul 25	2.78
Jul 25	2.75
Jul 25	2.78
Jul 25	2.76
Jun 25	2.6
Jun 25	2.45
Jun 25	2.35
Jun 25	2.33
May 25	2.27
May 25	2.23
May 25	2.39
May 25	2.19
May 25	2.13
Apr 25	2.02
Apr 25	1.89
Apr 25	1.82
Apr 25	1.73
Mar 25	2.07
Mar 25	2.14
Mar 25	2.11
Mar 25	2.16
Feb 25	2.4
Feb 25	2.43
Feb 25	2.58
Feb 25	2.67
Jan 25	2.76
Jan 25	2.82
Jan 25	2.75
Jan 25	2.55
Jan 25	2.67
Dec 24	2.64
Dec 24	2.62
Dec 24	2.72
Dec 24	2.72
Nov 24	2.7
Nov 24	2.64
Nov 24	2.6
Nov 24	2.55
Nov 24	2.21
Oct 24	2.2
Oct 24	2.36

Price to Book

SYF Price to Book by year
Period	Price to Book
Sep 26	1.49
Sep 26	1.57
Aug 26	1.53
Aug 26	1.56
Aug 26	1.59
Aug 26	1.54
Jul 26	1.49
Jul 26	1.43
Jul 26	1.53
Jul 26	1.51
Jul 26	1.59
Jun 26	1.63
Jun 26	1.56
Jun 26	1.52
Jun 26	1.47
May 26	1.48
May 26	1.49
May 26	1.48
May 26	1.52
May 26	1.57
Apr 26	1.59
Apr 26	1.67
Apr 26	1.55
Apr 26	1.46
Mar 26	1.4
Mar 26	1.41
Mar 26	1.36
Mar 26	1.42
Feb 26	1.48
Feb 26	1.57
Feb 26	1.52
Feb 26	1.6
Jan 26	1.6
Jan 26	1.69
Jan 26	1.77
Jan 26	1.91
Jan 26	1.86
Dec 25	1.89
Dec 25	1.86
Dec 25	1.85
Dec 25	1.77
Nov 25	1.7
Nov 25	1.64
Nov 25	1.61
Nov 25	1.61
Oct 25	1.64
Oct 25	1.65
Oct 25	1.59
Oct 25	1.51
Oct 25	1.58
Sep 25	1.65
Sep 25	1.7
Sep 25	1.67
Sep 25	1.68
Aug 25	1.69
Aug 25	1.62
Aug 25	1.59
Aug 25	1.54
Aug 25	1.5
Jul 25	1.62
Jul 25	1.63
Jul 25	1.64
Jul 25	1.63
Jun 25	1.54
Jun 25	1.45
Jun 25	1.39
Jun 25	1.38
May 25	1.34
May 25	1.32
May 25	1.41
May 25	1.29
May 25	1.26
Apr 25	1.19
Apr 25	1.12
Apr 25	1.08
Apr 25	1.03
Mar 25	1.23
Mar 25	1.27
Mar 25	1.25
Mar 25	1.29
Feb 25	1.42
Feb 25	1.44
Feb 25	1.53
Feb 25	1.58
Jan 25	1.69
Jan 25	1.73
Jan 25	1.69
Jan 25	1.57
Jan 25	1.64
Dec 24	1.62
Dec 24	1.61
Dec 24	1.67
Dec 24	1.67
Nov 24	1.66
Nov 24	1.62
Nov 24	1.6
Nov 24	1.57
Nov 24	1.36
Oct 24	1.35
Oct 24	1.45

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News: SYF

prnewswire.com · 8 Sep 2026

Synchrony to Participate in the Barclays Global Financial Services Conference

STAMFORD, Conn., Sept. 8, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.

defenseworld.net · 5 Sep 2026

B. Metzler seel. Sohn & Co. AG Sells 19,990 Shares of Synchrony Financial $SYF

B. Metzler seel. Sohn and Co. AG lessened its holdings in Synchrony Financial (NYSE: SYF) by 35.3% during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund owned 36,565 shares of the financial services provider's stock after selling 19,990 shares during the period.

fool.com · 26 Aug 2026

Credit Card Balances 90 Days Late Have Nearly Doubled Since 2022. New Delinquencies Have Not Moved.

Consumers are still doing OK, but the people facing material financial strain are really struggling.

defenseworld.net · 23 Aug 2026

Bank of New York Mellon Corp Buys New Position in Synchrony Financial $SYF

Bank of New York Mellon Corp purchased a new position in Synchrony Financial (NYSE: SYF) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The firm purchased 2,546,794 shares of the financial services provider's stock, valued at approximately $193,684,000. Bank of New York Mellon Corp

zacks.com · 20 Aug 2026

Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report?

Synchrony (SYF) reported earnings 30 days ago. What's next for the stock?

zacks.com · 18 Aug 2026

Synchrony and OpenAI Partner to Drive Growth in Agentic Commerce

SYF is partnering with OpenAI to bring financing, rewards and loyalty into AI-led shopping as agentic commerce gains traction.

cnbc.com · 17 Aug 2026

Credit card issuer Synchrony announces partnership with OpenAI

Synchrony Financial announced a collaboration with OpenAI. The partnership allows the artificial intelligence company's models to power the card company's consumer portals.

pymnts.com · 17 Aug 2026

Synchrony Debuts ChatGPT Plugin to Promote Offers

Consumer financial services company Synchrony will launch a ChatGPT plugin that will allow consumers to discover savings and offers from the Synchrony Marketplace within OpenAI's ChatGPT and browse promotional financing, deals and everyday value from the company's partners, Synchrony said in a Monday (Aug. 17) press release. Synchrony's ChatGPT plugin will be available in OpenAI's ChatGPT plugin directory, according to the release.