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Synchrony Financial

SYF

74.380USD

+0.790+1.07%

Close 10/31, 16:00（ET）Quotes delayed by 15 min

26.79BMarket Cap

7.67P/E TTM



Synchrony Financial

74.380

+0.790+1.07%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

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: 2025-10-31

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, 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

8 / 408

Overall Ranking

34 / 4618

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 23 analysts

Buy

Current Rating

83.455

Target Price

+13.40%

Upside Space

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

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 19.81B.

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 1.69, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 390.41M shares, decreasing 3.01% quarter-over-quarter.

Held by Francis Chou

Star Investor Francis Chou holds 215.70K shares of this stock.

Financial Health

Currency: USD Updated: 2025-10-31

The company's current financial score is 8.22, which is higher than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 5.21B, representing a year-over-year increase of 2.78%, while its net profit experienced a year-over-year increase of 37.63%.

Score

Industry at a Glance

Previous score

8.22

Change



Financials

8.53

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

6.83

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

8.02

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

8.33

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.38

Key Metrics

Free cash flow

No Data

Synchrony Financial's Company Valuation

Currency: USD Updated: 2025-10-31

The company’s current valuation score is 7.70, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 8.06, which is 14.60% below the recent high of 9.24 and 43.87% 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 8/408

No Data

Earnings Forecast

Currency: USD Updated: 2025-10-31

The company’s current earnings forecast score is 7.83, which is higher than the Banking Services industry's average of 7.39. The average price target for Synchrony Financial is 84.00, with a high of 100.00 and a low of 72.00.

Score

Industry at a Glance

Previous score

7.83

Change

Support & Resistance

No Data

Analyst Rating

Based on 23 analysts

Buy

Current Rating

83.455

Target Price

+13.40%

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

No Data

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: 2025-10-31

The company’s current price momentum score is 9.21, which is higher than the Banking Services industry's average of 7.35. Sideways: Currently, the stock price is trading between the resistance level at 77.40 and the support level at 69.68, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.03

Change

0.18

Support & Resistance

No Data

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(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.583

Buy

RSI(14)

55.275

Neutral

STOCH(KDJ)(9,3,3)

61.168

Neutral

ATR(14)

2.205

Low Volatility

CCI(14)

61.260

Neutral

Williams %R

20.396

Buy

TRIX(12,20)

0.068

Sell

StochRSI(14)

58.786

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

74.172

Buy

MA10

73.821

Buy

MA20

72.376

Buy

MA50

73.758

Buy

MA100

71.158

Buy

MA200

64.388

Buy

Institutional Confidence

Currency: USD Updated: 2025-10-31

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 104.93%, representing a quarter-over-quarter decrease of 0.38%. The largest institutional shareholder is The Vanguard, holding a total of 48.30M shares, representing 13.41% of shares outstanding, with 8.59% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

The Vanguard Group, Inc.

Star Investors

48.30M

+0.13%

Capital World Investors

39.33M

-0.13%

BlackRock Institutional Trust Company, N.A.

20.05M

-6.43%

State Street Investment Management (US)

18.89M

-0.95%

Geode Capital Management, L.L.C.

10.20M

-1.37%

Managed Account Advisors LLC

9.57M

+58.71%

PAR Capital Management, Inc.

7.50M

Dimensional Fund Advisors, L.P.

6.37M

-1.13%

First Trust Advisors L.P.

5.40M

-20.93%

Columbia Threadneedle Investments (US)

5.05M

+8.03%

Risk Assessment

Currency: USD Updated: 2025-10-31

The company’s current risk assessment score is 8.48, which is higher than the Banking Services industry's average of 6.60. The company's beta value is 1.50. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.