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Synchrony Financial

SYF

76.280USD

+0.910+1.21%

Close 09/15, 16:00（ET）Quotes delayed by 15 min

28.37BMarket Cap

8.86P/E TTM



Synchrony Financial

76.280

+0.910+1.21%

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

Currency: USD Updated：2025-09-12

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 a weak 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.

Score

Industry at a Glance

Industry Ranking

5 / 400

Overall Ranking

89 / 4724

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 23 analysts

Buy

Current Rating

80.952

Target Price

+7.41%

Upside Space

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

Company 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 15.23.

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 1.78, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 391.97M shares, decreasing 2.04% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 48.30M shares of this stock.

Financial Health

Currency: USD Updated：2025-09-12

The company's current financial score is 8.74, which is higher than the Banking Services industry's average of 7.33. Its financial status is robust, and its operating efficiency is average. Its latest quarterly revenue reached 4.92B, representing a year-over-year increase of 2.86%, while its net profit experienced a year-over-year increase of 42.59%.

Score

Industry at a Glance

Previous score

8.74

Change



Financials

9.52

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

7.68

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.43

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.06

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-12

The company’s current valuation score is 5.60, which is higher than the Banking Services industry's average of 4.39. Its current P/E ratio is 9.11, which is -21.14% below the recent high of 7.18 and 36.28% above the recent low of 5.80.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 5/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-12

The company’s current earnings forecast score is 7.83, which is higher than the Banking Services industry's average of 7.34. The average price target for Synchrony Financial is 80.00, with a high of 100.00 and a low of 65.00.

Score

Industry at a Glance

Previous score

7.83

Change

Support & Resistance

No Data

Analyst Rating

Based on 23 analysts

Buy

Current Rating

80.952

Target Price

+7.41%

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：2025-09-12

The company’s current price momentum score is 9.63, which is higher than the Banking Services industry's average of 8.78. Sideways: Currently, the stock price is trading between the resistance level at 79.18 and the support level at 69.31, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.72

Change

0.15

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(4)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

-0.290

Neutral

RSI(14)

60.196

Neutral

STOCH(KDJ)(9,3,3)

57.391

Neutral

ATR(14)

1.644

Low Volatility

CCI(14)

81.535

Neutral

Williams %R

29.581

Buy

TRIX(12,20)

0.287

Sell

StochRSI(14)

66.085

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

75.694

Buy

MA10

75.719

Buy

MA20

74.730

Buy

MA50

72.169

Buy

MA100

65.670

Buy

MA200

63.308

Buy

Institutional Confidence

Currency: USD Updated：2025-09-12

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.35. The latest institutional shareholding proportion is 105.34%, representing a quarter-over-quarter increase of 2.52%. The largest institutional shareholder is The Vanguard, holding a total of 48.30M shares, representing 12.98% of shares outstanding, with 5.12% 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

48.24M

+0.59%

Capital World Investors

39.38M

-7.35%

BlackRock Institutional Trust Company, N.A.

21.43M

+2.46%

State Street Global Advisors (US)

19.07M

+2.93%

Geode Capital Management, L.L.C.

10.34M

+3.82%

Managed Account Advisors LLC

6.03M

-33.27%

PAR Capital Management, Inc.

7.50M

+1.35%

Dimensional Fund Advisors, L.P.

6.45M

-1.45%

First Trust Advisors L.P.

6.83M

+12.85%

Columbia Threadneedle Investments (US)

4.67M

+35.42%

Risk Assessment

Currency: USD Updated：2025-09-12

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 company’s current risk assessment score is 4.61, which is lower than the Banking Services industry's average of 5.16. The company's beta value is 1.48. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.