Financhill
Buy
83

SYF Quote, Financials, Valuation and Earnings

Last price:
$88.47
Seasonality move :
-5.88%
Day range:
$84.60 - $87.51
52-week range:
$40.55 - $87.51
Dividend yield:
1.33%
P/E ratio:
9.48x
P/S ratio:
1.73x
P/B ratio:
1.97x
Volume:
3.2M
Avg. volume:
3M
1-year change:
29.89%
Market cap:
$31.2B
Revenue:
$20.8B
EPS (TTM):
$9.15

Analysts' Opinion

  • Consensus Rating
    Synchrony Financial has received a consensus rating of Buy. The company's average rating is a Buy based on 11 Buy ratings, 8 Hold ratings, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $86.30, Synchrony Financial has an estimated downside of -0.5% from its current price of $86.74.
  • Price Target Upside
    According to analysts, the highest upside price target is $101.00 representing -100% upside increase from its current price of $86.74.

Fair Value

  • According to the consensus of 19 analysts, Synchrony Financial has -0.5% downside to fair value with a price target of $86.30 per share.

SYF vs. S&P 500

  • Over the past 5 trading days, Synchrony Financial has overperformed the S&P 500 by 0.02% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Synchrony Financial does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Synchrony Financial revenues have been falling on a year-over-year basis for 3 quarters in a row. In the most recent quarter Synchrony Financial reported revenues of $4.8B.

Earnings Growth

  • Synchrony Financial has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Synchrony Financial reported earnings per share of $2.86.
Enterprise value:
30.6B
EV / Invested capital:
--
Price / LTM sales:
1.73x
EV / EBIT:
2.84x
EV / Revenue:
1.59x
PEG ratio (5yr expected):
0.49x
EV / Free cash flow:
3.14x
Price / Operating cash flow:
3.41x
Enterprise value / EBITDA:
2.75x
Gross Profit (TTM):
$15.5B
Return On Assets:
2.99%
Net Income Margin (TTM):
18.55%
Return On Equity:
21.5%
Return On Invested Capital:
11.05%
Operating Margin:
33.68%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $16.3B $20.6B $19.3B $5B $4.8B
Gross Profit $13.4B $16.5B $15.5B $3.9B $3.9B
Operating Income $3.8B $5B $5.5B $1.2B $1.6B
EBITDA $9.6B $12.2B $11.1B $2.9B $2.9B
Diluted EPS $5.41 $7.66 $9.15 $1.94 $2.86
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $9.9B $12B $15.6B $17.9B $16.2B
Total Assets $91.9B $100.8B $112.9B $119.2B $117B
Current Liabilities $4.9B $5.9B $1.9B $5.5B $5.6B
Total Liabilities $78B $87.8B $99.2B $103.2B $99.9B
Total Equity $13.9B $13B $13.8B $16B $17.1B
Total Debt $12.8B $14.3B $15.2B $15.6B $14.4B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $8.1B $9.8B $9.8B $2.8B $2.6B
Cash From Investing -$13.9B -$11.1B -$5.2B -$2.2B -$1.6B
Cash From Financing $8.5B $3.5B -$6.3B -$1.2B -$5B
Free Cash Flow $8.1B $9.8B $9.8B $2.8B $2.6B
SYF
Sector
Market Cap
$31.2B
$550.8M
Price % of 52-Week High
99.13%
91.64%
Dividend Yield
1.33%
1.54%
Shareholder Yield
10.62%
3.06%
1-Year Price Total Return
29.89%
7.38%
Beta (5-Year)
1.435
0.458
Dividend yield:
1.33%
Annualized payout:
$1.00
Payout ratio:
10.5%
Growth streak:
3 years

Technicals

8-day SMA
Buy
Level $85.19
200-day SMA
Buy
Level $68.00
Bollinger Bands (100)
Buy
Level 71.32 - 80.58
Chaikin Money Flow
Buy
Level 54.7M
20-day SMA
Buy
Level $84.06
Relative Strength Index (RSI14)
Buy
Level 67.65
ADX Line
Buy
Level 33.16
Williams %R
Sell
Level -16.5764
50-day SMA
Buy
Level $78.46
MACD (12, 26)
Buy
Level 2.03
25-day Aroon Oscillator
Buy
Level 92
On Balance Volume
Neutral
Level 412.3M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.9534)
Sell
CA Score (Annual)
Level (-1.641)
Buy
Beneish M-Score (Annual)
Level (-3.2666)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (0.5591)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (5)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Synchrony Financial engages in the provision of consumer financial services. It focuses on digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and other industries. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

Stock Forecast FAQ

In the current month, SYF has received 11 Buy ratings 8 Hold ratings, and 0 Sell ratings. The SYF average analyst price target in the past 3 months is $86.30.

  • Where Will Synchrony Financial Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Synchrony Financial share price will drop to $86.30 per share over the next 12 months.

  • What Do Analysts Say About Synchrony Financial?

    Analysts are divided on their view about Synchrony Financial share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Synchrony Financial is a Sell and believe this share price will rise from its current level to $72.00.

  • What Is Synchrony Financial's Price Target?

    The price target for Synchrony Financial over the next 1-year time period is forecast to be $86.30 according to 19 Wall Street analysts, 11 of them rate the stock a Buy, 0 rate the stock a Sell, and 8 analysts rate the stock a Hold.

  • Is SYF A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Synchrony Financial is a Buy. 11 of 19 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of SYF?

    You can purchase shares of Synchrony Financial via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Synchrony Financial shares.

  • What Is The Synchrony Financial Share Price Today?

    Synchrony Financial was last trading at $88.47 per share. This represents the most recent stock quote for Synchrony Financial. Yesterday, Synchrony Financial closed at $86.74 per share.

  • How To Buy Synchrony Financial Stock Online?

    In order to purchase Synchrony Financial stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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