Synchrony Financial (SYF): price, analyst ratings, earnings and fundamentals
Updated 16 October 2026, 06:50 ET
Synchrony Financial (SYF) closed at $74.04 on 15 October 2026, up 3.2%. The stock is down 1.1% over one month and up 1.6% over one year. It trades 16.6% below its 52-week high of $88.77. Analysts recorded 12 actions in the last 90 days; the median price target of $82 is 11.4% above the last close. The company last reported on 21 July 2026 for Q2 2026: EPS of $2.59 against an estimate of $2.09, a beat of 23.9%, on revenue of $4.6 billion.
Price and performance
Performance figures use dividend and split adjusted closes over trading sessions, so a one-year move compares the last close with the close 252 sessions earlier. The 52-week range uses the adjusted daily highs and lows of the same window. Read the guide: Momentum, trend and technical indicators.
The live chart with technical indicators is in the app: open SYF in FundSpec.
Analyst ratings
Over the last 90 days FundSpec recorded 12 analyst actions on SYF from 10 firms: 11 maintained or reiterated a view and 1 initiation. Price targets were 3 raised and 8 lowered. The most recent targets from 14 firms range from $74 to $97, with a median of $82, 11.4% above the last close.
| Date | Firm | Action | Price target |
|---|---|---|---|
| 12 Oct 2026 | Morgan Stanley | Maintains Equal-Weight | $84.00 to $83.00 |
| 12 Oct 2026 | JP Morgan | Maintains Neutral | $78.00 to $74.00 |
| 9 Oct 2026 | BMO Capital | Initiates Coverage On Market Perform | $81.00 |
| 6 Oct 2026 | TD Cowen | Maintains Buy | $90.00 to $86.00 |
| 5 Oct 2026 | UBS | Maintains Neutral | $87.00 to $81.00 |
| 1 Oct 2026 | Evercore ISI Group | Maintains Outperform | $86.00 to $80.00 |
| 25 Aug 2026 | Wolfe Research | Maintains Outperform | $85.00 to $90.00 |
| 3 Aug 2026 | UBS | Maintains Neutral | $84.00 to $87.00 |
| 28 Jul 2026 | Evercore ISI Group | Maintains Outperform | $90.00 to $86.00 |
| 22 Jul 2026 | Wells Fargo | Maintains Overweight | $95.00 to $88.00 |
A price target is one firm's twelve-month view, and the median across firms is a steadier reading than any single call. Upgrades and downgrades matter more when they change a rating, not only a target. Read the guide: What analyst ratings and price targets actually tell you.
Every action with the firm's history is in Analyst Ratings.
Earnings
The next report is scheduled for 20 October 2026 before the open for Q3 2026, with EPS expected at $2.42 on revenue of $4.0 billion. Synchrony Financial beat the EPS estimate in 7 of its last 8 reported quarters.
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue |
|---|---|---|---|---|---|
| Q2 2026 | 21 Jul 2026 | $2.09 | $2.59 | +23.92% | $4.6B |
| Q1 2026 | 21 Apr 2026 | $2.20 | $2.27 | +3.18% | $4.6B |
| Q4 2025 | 27 Jan 2026 | $2.02 | $2.18 | +7.92% | $4.8B |
| Q3 2025 | 15 Oct 2025 | $2.21 | $2.86 | +29.41% | $4.7B |
| Q2 2025 | 22 Jul 2025 | $1.71 | $2.50 | +46.20% | $4.5B |
| Q1 2025 | 22 Apr 2025 | $1.67 | $1.89 | +13.17% | $4.5B |
| Q4 2024 | 28 Jan 2025 | $1.92 | $1.91 | -0.52% | $4.6B |
| Q3 2024 | 16 Oct 2024 | $1.79 | $1.94 | +8.38% | $4.6B |
An earnings surprise is the reported EPS against the consensus estimate on the day. The price reaction depends as much on guidance and on what was already priced in as on the surprise itself. Read the guide: Earnings season: estimates, surprises and price reaction.
Estimates, confirmed dates and alerts for every company are in Earnings.
Fundamentals
For the period ended 30 June 2026, Synchrony Financial reported net income of $885.0 million. On a trailing twelve month basis the company shows revenue growth of N.A., a gross margin of N.A., an operating margin of N.A. and a return on equity of 20.79%.
Income statement
| Line | Amount |
|---|---|
| Depreciation & Amortization | $145,000,000 |
| Pre-tax Income | $1,186,000,000 |
| Income Tax Expense | $301,000,000 |
| Net Income | $885,000,000 |
Cash flow
| Line | Amount |
|---|---|
| Cash from Operating Activities | $2,420,000,000 |
| Cash from Investing Activities | -$5,187,000,000 |
| Cash from Financing Activities | -$596,000,000 |
| Dividends Paid | $100,000,000 |
| Share Repurchases | $878,000,000 |
Assets
| Line | Amount |
|---|---|
| Cash & Cash Equivalents | $16,193,000,000 |
| Restricted Cash | $1,047,000,000 |
| Plant, Property & Equipment, Net | $1,217,000,000 |
| Long-term Investments | $4,365,000,000 |
| Goodwill Intangible Assets, Net | $1,515,000,000 |
| Deferred Tax Asset | $2,965,000,000 |
| Total Assets | $121,930,000,000 |
Liabilities and equity
| Line | Amount |
|---|---|
| Long-term Debt | $16,432,000,000 |
| Total Liabilities | $105,033,000,000 |
| Preferred Stock | $1,716,000,000 |
| Common Stock | $1,000,000 |
| Additional Paid In Capital | $9,876,000,000 |
| Retained Earnings | $25,968,000,000 |
| Treasury Stock | -$20,593,000,000 |
| Total Stockholders Equity | $16,897,000,000 |
| Total Liability & Stockholders Equity | $121,930,000,000 |
Figures as filed with the SEC for the period ended 30 June 2026, in US dollars.
FundSpec fundamental metrics
Each metric is computed from the company's filings and ranked against every company FundSpec covers; the percentile is the share of covered companies with a lower value.
Leverage
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Debt/Assets | 0.13 | 61st | Calculated as the ratio of Short-Term Debt + Long-Term Debt / Total Assets. The higher the ratio, the higher the degree of leverage, and consequently, financial risk |
| Debt/Equity | 0.97 | 76th | Calculated as the ratio of Total Liabilities / Shareholders' Equity. The ratio indicates how much debt a company is using to finance its assets relative to the amount of value represented in shareholders’ equity |
| Long Term Debt/Long Term Capital | 0.49 | 61st | Calculated as Long-Term Debt / (Long-Term Debt + Shareholders' Equity). The ratio is an indicator of the company's leverage |
Earnings Growth (Net Income)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Net Income Pct Growth | 7.0% | 47th | The Net Income growth rate over the trailing twelve months (TTM) |
| Net Income Pct Growth 3 year CAGR | 12.8% | 65th | The Net Income compound annual growth rate (CAGR) over the past 3 years |
| Net Income Pct Growth 5 year CAGR | 1.2% | 47th | The Net Income compound annual growth rate (CAGR) over the past 5 years |
Cashflow
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Operating Cashflow Pct Growth | -1.8% | 42nd | The Operating Cashflow growth rate over the trailing twelve months (TTM) |
| Operating Cashflow Pct Growth 3 year CAGR (FY) | 10.0% | 60th | The Operating Cashflow compound annual growth rate (CAGR) over the past 3 years |
| Operating Cashflow Pct Growth 5 year CAGR (FY) | 7.2% | 60th | The Operating Cashflow compound annual growth rate (CAGR) over the past 5 years |
Profitability
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Return on Assets Pct | 2.9% | 70th | Calculated as the ratio of Net Income / Total Assets. It is an indicator of how efficient the company is at using its assets to generate earnings. |
| Return on Equity Pct | 20.8% | 86th | Calculated as the ratio of Net Income / Shareholders' equity. It is a measure of how much profit a company generates with the money shareholders have invested. |
Taxes
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Effective Tax Rate Pct | 23.8% | 78th | The effective tax rate of the company over the trailing twelve months (TTM). |
Margins and returns say how much of each dollar of sales becomes profit and how hard the balance sheet is working; leverage and liquidity say how much room the company has when conditions turn. Read the guide: A practical guide to discounted cash flow valuation.
Fair value, peer multiples and the full statement history are in the app: open SYF in FundSpec.
Insider activity
In the last 90 days insiders filed 43 transactions: 32 acquisitions covering 12,767 shares. Acquisitions include awards and option exercises as well as open market purchases. The largest by value was a disposal of 5,456 shares by Alberto Casellas, See remarks on 13 August 2026, worth about $436,480 at the transaction price.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 30 Sep 2026 | Jeffrey G Naylor | Director | Acquisition | 1,287 | $70.97 | $91K |
| 30 Sep 2026 | Roy A Guthrie | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Kamila K Chytil | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Laurel Richie | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Arthur W Jr Coviello | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Deborah G Ellinger | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Ellen M Zane | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Daniel O Colao | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | P.W. Parker | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Fernando Aguirre | Director | Acquisition | 846 | $70.97 | $60K |
| 30 Sep 2026 | Paget Leonard Alves | Director | Acquisition | 846 | $70.97 | $60K |
| 17 Aug 2026 | Brian D Doubles | Director, See remarks | Acquisition | 1,001 | $80.75 | $81K |
| 17 Aug 2026 | Brian J. Sr. Wenzel | See remarks | Acquisition | 272 | $80.75 | $22K |
| 17 Aug 2026 | Carol Juel | See remarks | Acquisition | 218 | $80.75 | $18K |
| 17 Aug 2026 | Jonathan S Mothner | See remarks | Acquisition | 218 | $80.75 | $18K |
Insider filings record what officers and directors did with their own shares. Disposals are often planned sales or tax related, so a pattern across several insiders says more than one filing.
SEC filings
The latest filing is a 10-Q from 23 July 2026.
| Filed | Form | Document |
|---|---|---|
| 23 Jul 2026 | 10-Q | View on sec.gov |
| 23 Apr 2026 | 10-Q | View on sec.gov |
| 6 Feb 2026 | 10-K | View on sec.gov |
| 22 Oct 2025 | 10-Q | View on sec.gov |
| 23 Jul 2025 | 10-Q | View on sec.gov |
| 24 Apr 2025 | 10-Q | View on sec.gov |
| 7 Feb 2025 | 10-K | View on sec.gov |
| 23 Oct 2024 | 10-Q | View on sec.gov |
| 19 Jul 2024 | 10-Q | View on sec.gov |
| 25 Apr 2024 | 10-Q | View on sec.gov |
Company profile
- Exchange
- NYSE
- Sector
- Consumer and Specialty Finance
- Industry
- Banking
- Headquarters
- Wilmington, Connecticut
- Chief executive
- Brian D. Doubles
- Employees
- 18,500
- Website
- synchrony.com
- SEC CIK
- 0001601712
Synchrony Financial provides credit products, such as credit cards, commercial credit products and consumer installment loans. The company also offers healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands. It serves digital, health and wellness, retail, home, auto, and other industries.
Sector and peers
Synchrony Financial is part of the Consumer and Specialty Finance sector, which FundSpec tracks across 85 companies.
Companies in the same industry by market capitalization:
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Put two of them side by side in Compare.
In FundSpec: the fair value estimate, the momentum reading, relative valuation against sector and industry peers, unusual options activity and AI model signals for SYF are available to subscribers, with the same screen in the iOS and Android apps.
Open SYF in FundSpec