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How to buy Synchrony Financial stock | $44.9

Own Synchrony Financial stock in just a few minutes.

Synchrony Financial is a credit services business based in the US. Synchrony Financial shares (SYF) are listed on the NYSE and all prices are listed in US Dollars. Synchrony Financial employs 16,500 staff and has a trailing 12-month revenue of around 0.00.

How to buy shares in Synchrony Financial

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – SYF – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

Synchrony Financial share price

Use our graph to track the performance of SYF stocks over time.

Synchrony Financial shares at a glance

Information last updated 2021-05-08.
Latest market close$44.90
52-week range$14.73 - $45.98
50-day moving average $41.73
200-day moving average $36.20
Wall St. target price$49.82
PE ratio 12.9005
Dividend yield $0.88 (1.96%)
Earnings per share (TTM) $3.56

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Synchrony Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Synchrony Financial price performance over time

Historical closes compared with the close of $44.9 from 2021-05-06

1 week (2021-05-05) 0.25%
1 month (2021-04-12) 4.06%
3 months (2021-02-12) 20.86%
6 months (2020-11-12) 54.24%
1 year (2020-05-12) 164.43%
2 years (2019-05-10) 28.25%
3 years (2018-05-11) 31.63%
5 years (2016-05-12) 52.62%

Is Synchrony Financial under- or over-valued?

Valuing Synchrony Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Synchrony Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Synchrony Financial's P/E ratio

Synchrony Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Synchrony Financial shares trade at around 13x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Synchrony Financial's PEG ratio

Synchrony Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.7399. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Synchrony Financial's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Synchrony Financial financials

Revenue TTM $6.7 billion
Operating margin TTM 46.24%
Gross profit TTM $5.9 billion
Return on assets TTM 2.19%
Return on equity TTM 16.72%
Profit margin 31.63%
Book value $21.86
Market capitalisation $26.7 billion

TTM: trailing 12 months

Shorting Synchrony Financial shares

There are currently 9.4 million Synchrony Financial shares held short by investors – that's known as Synchrony Financial's "short interest". This figure is 47.5% down from 17.9 million last month.

There are a few different ways that this level of interest in shorting Synchrony Financial shares can be evaluated.

Synchrony Financial's "short interest ratio" (SIR)

Synchrony Financial's "short interest ratio" (SIR) is the quantity of Synchrony Financial shares currently shorted divided by the average quantity of Synchrony Financial shares traded daily (recently around 6.9 million). Synchrony Financial's SIR currently stands at 1.37. In other words for every 100,000 Synchrony Financial shares traded daily on the market, roughly 1370 shares are currently held short.

However Synchrony Financial's short interest can also be evaluated against the total number of Synchrony Financial shares, or, against the total number of tradable Synchrony Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Synchrony Financial's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Synchrony Financial shares in existence, roughly 20 shares are currently held short) or 0.0182% of the tradable shares (for every 100,000 tradable Synchrony Financial shares, roughly 18 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Synchrony Financial.

Find out more about how you can short Synchrony Financial stock.

Synchrony Financial's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Synchrony Financial.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Synchrony Financial's total ESG risk score

Total ESG risk: 19.4

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Synchrony Financial's overall score of 19.4 (as at 12/31/2018) is pretty good – landing it in it in the 22nd percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Synchrony Financial is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Synchrony Financial's environmental score

Environmental score: 2.14/100

Synchrony Financial's environmental score of 2.14 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Synchrony Financial is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Synchrony Financial's social score

Social score: 15.13/100

Synchrony Financial's social score of 15.13 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Synchrony Financial is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Synchrony Financial's governance score

Governance score: 9.63/100

Synchrony Financial's governance score puts it squarely in the 4th percentile of companies rated in the same sector. That could suggest that Synchrony Financial is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Synchrony Financial's controversy score

Controversy score: 2/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. Synchrony Financial scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Synchrony Financial has, for the most part, managed to keep its nose clean.

Environmental, social, and governance (ESG) summary

Synchrony Financial was last rated for ESG on: 2019-01-01.

Total ESG score 19.4
Total ESG percentile 21.74
Environmental score 2.14
Environmental score percentile 4
Social score 15.13
Social score percentile 4
Governance score 9.63
Governance score percentile 4
Level of controversy 2

Synchrony Financial share dividends

24%

Dividend payout ratio: 24.04% of net profits

Recently Synchrony Financial has paid out, on average, around 24.04% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.96% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Synchrony Financial shareholders could enjoy a 1.96% return on their shares, in the form of dividend payments. In Synchrony Financial's case, that would currently equate to about $0.88 per share.

While Synchrony Financial's payout ratio might seem low, this can signify that Synchrony Financial is investing more in its future growth.

Synchrony Financial's most recent dividend payout was on 12 May 2021. The latest dividend was paid out to all shareholders who bought their shares by 29 April 2021 (the "ex-dividend date").

Synchrony Financial share price volatility

Over the last 12 months, Synchrony Financial's shares have ranged in value from as little as $14.7321 up to $45.98. A popular way to gauge a stock's volatility is its "beta".

SYF.US volatility(beta: 1.84)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Synchrony Financial's is 1.8417. This would suggest that Synchrony Financial's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Synchrony Financial overview

Synchrony Financial operates as a consumer financial services company in the United States. It provides a range of specialized financing programs and consumer banking products to digital, retail, home, auto, travel, health, and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards, dual cards, and installment loans. In addition, it provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut. .

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