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Synchrony Financial

SYF

75.160USD

+1.170+1.58%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

26.11BMarket Cap

8.01P/E TTM



Synchrony Financial

75.160

+1.170+1.58%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Synchrony Financial

Currency: USD Updated: 2026-02-06

Key Insights

Synchrony Financial's fundamentals are relatively very healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 64 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 91.29.In the medium term, the stock price is expected to remain stable.Despite a weak stock market performance over the past month, the company shows strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Synchrony Financial's Score

Industry at a Glance

Industry Ranking

64 / 397

Overall Ranking

111 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Neutral

Synchrony Financial Highlights

StrengthsRisks

Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 20.42B.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 11.61%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 11.61%.

Overvalued

The company’s latest PB is 1.68, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 380.41M shares, decreasing 6.02% quarter-over-quarter.

Held by Joel Greenblatt

Star Investor Joel Greenblatt holds 12.96K shares of this stock.

Analyst Rating

Based on 23 analysts

Buy

Current Rating

91.286

Target Price

+23.38%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Synchrony Financial is 7.22, ranking 218 out of 397 in the Banking Services industry. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 5.29B, representing a year-over-year increase of 5.53%, while its net profit experienced a year-over-year increase of 3.05%.

Score

Industry at a Glance

Previous score

7.22

Change



Financials

9.96

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

5.01

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

4.24

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

9.18

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

7.71

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Synchrony Financial's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Synchrony Financial is 7.70, ranking 206 out of 397 in the Banking Services industry. Its current P/E ratio is 8.01, which is 19.64% below the recent high of 9.59 and 43.54% above the recent low of 4.52.

Score

Industry at a Glance

Previous score

7.70

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 64/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Synchrony Financial is 7.83, ranking 115 out of 397 in the Banking Services industry. The average price target is 85.00, with a high of 100.00 and a low of 72.00.

Score

Industry at a Glance

Previous score

7.83

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 23 analysts

Buy

Current Rating

91.286

Target Price

+23.38%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Synchrony Financial

SYF

American Express Co

AXP

Capital One Financial Corp

COF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

Bread Financial Holdings Inc

BFH

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of Synchrony Financial is 6.99, ranking 344 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 85.33 and the support level at 68.42, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.87

Change

0.12

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.121

Sell

RSI(14)

43.367

Neutral

STOCH(KDJ)(9,3,3)

51.269

Buy

ATR(14)

2.401

Low Volatility

CCI(14)

8.164

Neutral

Williams %R

56.900

Sell

TRIX(12,20)

-0.513

Sell

StochRSI(14)

100.000

Overbought

Moving Average

Sell(3)

Neutral(0)

Buy(3)

Indicators

Value

Direction

MA5

74.358

Buy

MA10

74.172

Buy

MA20

76.497

Sell

MA50

80.440

Sell

MA100

76.770

Sell

MA200

71.220

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Synchrony Financial is 10.00, ranking 1 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 109.49%, representing a quarter-over-quarter increase of 0.76%. The largest institutional shareholder is The Vanguard, holding a total of 45.64M shares, representing 13.14% of shares outstanding, with 3.68% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

The Vanguard Group, Inc.

Star Investors

46.81M

-3.08%

Capital World Investors

38.33M

-2.56%

BlackRock Institutional Trust Company, N.A.

19.51M

-2.72%

State Street Investment Management (US)

19.08M

+1.02%

Managed Account Advisors LLC

10.20M

+6.62%

Geode Capital Management, L.L.C.

10.12M

-0.80%

PAR Capital Management, Inc.

7.50M

Goldman Sachs Asset Management, L.P.

6.51M

+81.40%

Dimensional Fund Advisors, L.P.

5.79M

-9.24%

Nordea Funds Oy

4.54M

+7.91%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Synchrony Financial is 8.84, ranking 51 out of 397 in the Banking Services industry. The company's beta value is 1.40. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets. with an industry-leading ESG disclosure.