Synchrony Financial (SYF)
Financials · Consumer Finance · US stock · S&P 500 component
$73.68
▼ -0.36 (0.49%)
Fair valueFair
$98 +33.6% to fair value
$49fair band $59–$138$148
Day's range
$73.64 – $75.87
52-week range
$62.56 – $87.67
About Synchrony Financial
Synchrony Financial is a consumer financial services company that provides private label and co-branded credit cards, along with installment loans and savings products. It partners with retailers, healthcare providers and online platforms to offer financing at the point of sale. It earns money mainly from interest and fees on loans, so its results depend on credit performance and borrowing costs.
Return on invested capital is 21%. It pays a dividend with a yield of 1.7%. The X-Ray Score is 71 out of 100. Return on invested capital describes how much profit the business earns relative to the money put into it. The X-Ray Score is a summary rating of the company's financial profile, expressed out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $62.56 – $87.67Volume 3,517,100Daily, split-adjusted
Vitals
Market cap$24.6B
52-week range$62.56 – $87.67
Volume (last day)3,517,100
P/E (TTM)7.5
EBIT / EV yield18.6%
Free-cash-flow yield–
Dividend yield1.7%
Revenue (TTM)–
Net income (TTM)$3.5B
Operating margin–
Return on capital20.5%
Debt incl. leases$16.4B
Cash & securities$16.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$98
Fair
+33.6% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $74
Undervalued < $59Fair $59 – $138Overvalued > $138
Excess-return (bank)
$75
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Strong business at a fair price
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
91/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield18.6%
Fair value vs price1.3×
Growth
Fair
59/100
Growing at a typical pace for its sector.
See the numbers →
EPS growth (3y)14.7%
Profitability
Strong
75/100
Earns high returns on the capital it uses.
See the numbers →
Return on invested capital20.5%
Financial health
Strong
73/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Net debt / EBITDA0.0×
Interest coverNo interest cost
Dividends
Weak
25/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.7%
Dividend growth-0.5%
Quarterly results: last 6 quarters
–
Mar '25
–
Jun '25
–
Sep '25
–
Dec '25
–
Mar '26
–
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue –, diluted EPS $2.59.
Compare with peers
COF Capital One Financial...61 AXP American Express Co52Other Consumer Finance companies by X-Ray Score.
Fundamentals checklist
● 5 Good · ● 2 Average · ● 0 BadCash quality
Earnings backed by cashGood
Risk models
Growth
EPS growth (3y)Average
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 74/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | – | – | – | – | – |
| Operating income | $6.5B | $5.5B | $6.6B | $4.6B | $4.6B |
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Operating cash flow | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Operating margin | – | – | – | – | – |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
7 bullish · 3 neutral · 6 bearish
Weekly
Neutral
6 bullish · 1 neutral · 5 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 72.91 | Bullish |
| EMA 10 | 73.06 | Bullish |
| SMA 20 | 72.47 | Bullish |
| EMA 20 | 73.30 | Bullish |
| SMA 50 | 75.93 | Bearish |
| EMA 50 | 74.42 | Bearish |
| SMA 100 | 74.89 | Bearish |
| EMA 100 | 74.54 | Bearish |
| SMA 200 | 73.67 | Bullish |
| EMA 200 | 73.49 | Bullish |
Oscillators (daily)
| RSI (14) | 50.09 | Neutral |
| MACD (12, 26) | -0.57 | Bearish |
| Momentum (12) | 3.82 | Bullish |
| Stochastic %K (14) | 66.15 | Neutral |
| Williams %R (14) | -33.85 | Neutral |
| CCI (20) | 127.7 | Bearish |
Pivot points (classic, last session)
S3 70.69 | S2 72.17 | S1 72.92 | Pivot 74.40 | R1 75.15 | R2 76.63 | R3 77.38 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.24 USD
Yield on today's price
1.68%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 5 Aug 2026 | 0.3400 |
| 5 May 2026 | 0.3000 |
| 6 Feb 2026 | 0.3000 |
| 5 Nov 2025 | 0.3000 |
| 5 Aug 2025 | 0.3000 |
| 5 May 2025 | 0.3000 |
| 3 Feb 2025 | 0.2500 |
| 4 Nov 2024 | 0.2500 |
| 5 Aug 2024 | 0.2500 |
| 3 May 2024 | 0.2500 |
| 2 Feb 2024 | 0.2500 |
| 31 Oct 2023 | 0.2500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
SYF SEC filings
14 Sep 2026
8-KSEC EDGAR
Regulation FD disclosure
17 Aug 2026
8-KSEC EDGAR
Results of operations
31 Jul 2026
8-KSEC EDGAR
Other events
29 Jul 2026
424B5SEC EDGAR
424B5
28 Jul 2026
424B5SEC EDGAR
424B5
23 Jul 2026
10-QSEC EDGAR
Quarterly report
21 Jul 2026
8-KSEC EDGAR
Regulation FD disclosure
21 Jul 2026
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.