Home / SYF : NYSE

AI Analysis Fundamentals Valuation Video Analysis News Similar

AI Analysis

How does SYF make money? Does SYF have pricing power? What's the Earnings Whisper? Will SYF profit more as the business scales? What is SYF's management track record? Is SYF's current price justified?

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) · TTM

SYF Revenue (USD) · TTM by quarter
Period	Revenue (USD) · TTM
26 Q2	18.96B
26 Q1	18.98B
25 Q4	19.12B
25 Q3	19.27B
25 Q2	19.43B
25 Q1	19.6B
24 Q4	19.69B
24 Q3	19.51B
24 Q2	18.99B
24 Q1	18.3B

Net Income (USD) · TTM

SYF Net Income (USD) · TTM by quarter
Period	Net Income (USD) · TTM
26 Q2	3.52B
26 Q1	3.6B
25 Q4	3.55B
25 Q3	3.58B
25 Q2	3.29B
25 Q1	2.96B
24 Q4	3.5B
24 Q3	3.17B
24 Q2	3B
24 Q1	2.93B

Operating Income (USD) · TTM

SYF Operating Income (USD) · TTM by quarter
Period	Operating Income (USD) · TTM
26 Q2	4.61B
26 Q1	4.68B
25 Q4	4.62B
25 Q3	4.64B
25 Q2	4.24B
25 Q1	3.83B
24 Q4	4.55B
24 Q3	4.12B
24 Q2	3.92B
24 Q1	3.82B

EBITDA (USD) · TTM

SYF EBITDA (USD) · TTM by quarter
Period	EBITDA (USD) · TTM
26 Q2	5.17B
26 Q1	5.22B
25 Q4	5.13B
25 Q3	5.14B
25 Q2	4.73B
25 Q1	4.32B
24 Q4	5.03B
24 Q3	4.6B
24 Q2	4.4B
24 Q1	4.29B

Cash Flows (USD) · TTM

SYF Cash Flows (USD) · TTM by quarter
Period	Cash Flows (USD) · TTM
26 Q2	9.69B
26 Q1	9.83B
25 Q4	9.85B
25 Q3	9.75B
25 Q2	9.88B
25 Q1	9.8B
24 Q4	9.85B
24 Q3	9.81B
24 Q2	9.53B
24 Q1	8.96B

EPS (USD) · TTM

SYF EPS (USD) · TTM by quarter
Period	EPS (USD) · TTM
26 Q2	9.76
26 Q1	9.67
25 Q4	9.29
25 Q3	9.16
25 Q2	8.24
25 Q1	7.29
24 Q4	8.54
24 Q3	7.66
24 Q2	7.2
24 Q1	6.97

Expenses (USD) · TTM

SYF Expenses (USD) · TTM by quarter
Period	Expenses (USD) · TTM
26 Q2	2.63B
26 Q1	2.61B
25 Q4	2.6B
25 Q3	2.46B
25 Q2	2.43B
25 Q1	2.35B
24 Q4	2.35B
24 Q3	2.4B
24 Q2	2.39B
24 Q1	2.41B

Shares Outstanding (USD) · TTM

SYF Shares Outstanding (USD) · TTM by quarter
Period	Shares Outstanding (USD) · TTM
26 Q2	3.61B
26 Q1	3.24B
25 Q4	2.94B
25 Q3	2.08B
25 Q2	1.51B
25 Q1	1.31B
24 Q4	1.01B
24 Q3	1.16B
24 Q2	1.01B
24 Q1	1.01B

Dividends (USD)

SYF Dividends (USD) by quarter
Period	Dividends (USD)
Aug 26	0.34
May 26	0.3
Feb 26	0.3
Nov 25	0.3
Aug 25	0.3
May 25	0.3
Feb 25	0.25
Nov 24	0.25
Aug 24	0.25
May 24	0.25

Employee Count

SYF Employee Count by quarter
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

PE Ratio

SYF PE Ratio by quarter
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 quarter
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 quarter
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 quarter
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 quarter
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 quarter
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

No video analysis for this stock yet. Request one from our team.

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.