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
- Compare share trading platforms.Use our comparison table to help you find a platform that fits you.
- Open your brokerage account. Complete an application with your details.
- Confirm your payment details. Fund your account.
- 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.
- 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.
- Check in on your investment. Optimize your portfolio by tracking your stock.
What's in this guide?
- SYF shares summary
- Compare share dealing platforms
- Is SYF stock a buy or sell?
- Stock performance over time
- Can I short SYF shares?
- Is SYF suitable for ethical investing?
- Are SYF shares over-valued?
- Synchrony Financial's financials
- How volatile are SYF shares?
- Does Synchrony Financial pay a dividend?
- Other common questions
Synchrony Financial stock price (NYSE: SYF)Use our graph to track the performance of SYF stocks over time.
Synchrony Financial shares at a glance
|Latest market close||$50.80|
|52-week range||$21.61 - $50.96|
|50-day moving average||$47.93|
|200-day moving average||$43.08|
|Wall St. target price||$55.47|
|Dividend yield||$0.88 (1.86%)|
|Earnings per share (TTM)||$5.60|
Buy Synchrony Financial shares from these brokeragesCompare special offers, low fees and a wide range of types of investments among top trading platforms.
*Signup bonus information updated weekly.
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
|1 week (2021-07-20)||N/A|
|1 month (2021-07-01)||3.95%|
|3 months (2021-04-30)||16.14%|
|6 months (2021-01-27)||N/A|
|1 year (2020-07-27)||N/A|
|2 years (2019-07-27)||N/A|
|3 years (2018-07-27)||N/A|
|5 years (2016-07-27)||N/A|
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 9x. In other words, Synchrony Financial shares trade at around 9x 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 0.7679. 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||$8.3 billion|
|Operating margin TTM||56.75%|
|Gross profit TTM||$5.9 billion|
|Return on assets TTM||3.52%|
|Return on equity TTM||25.43%|
|Market capitalisation||$27.5 billion|
TTM: trailing 12 months
Shorting Synchrony Financial shares
There are currently 11.0 million Synchrony Financial shares held short by investors – that's known as Synchrony Financial's "short interest". This figure is 2.9% down from 11.3 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 5.6 million). Synchrony Financial's SIR currently stands at 1.97. In other words for every 100,000 Synchrony Financial shares traded daily on the market, roughly 1970 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 0.0194% of the tradable shares (for every 100,000 tradable Synchrony Financial shares, roughly 19 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
|Total ESG score||19.4|
|Total ESG percentile||21.74|
|Environmental score percentile||4|
|Social score percentile||4|
|Governance score percentile||4|
|Level of controversy||2|
Synchrony Financial share dividends
Dividend payout ratio: 15.38% of net profits
Recently Synchrony Financial has paid out, on average, around 15.38% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.82% 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 1.82% 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 11 August 2021. The latest dividend was paid out to all shareholders who bought their shares by 29 July 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 $21.6089 up to $50.96. A popular way to gauge a stock's volatility is its "beta".
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 1.8166. 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. .
Stocks similar to Synchrony Financial
Synchrony Financial in the news
Synchrony Financial stock falls Friday, underperforms market
Synchrony Financial stock outperforms competitors on strong trading day
This Major Employer Says No One Should Work From an Office 5 Days a Week
Frequently asked questionsWhat percentage of Synchrony Financial is owned by insiders or institutions?
Currently 0.406% of Synchrony Financial shares are held by insiders and 98.033% by institutions. How many people work for Synchrony Financial?
Latest data suggests 16,500 work at Synchrony Financial. When does the fiscal year end for Synchrony Financial?
Synchrony Financial's fiscal year ends in December. Where is Synchrony Financial based?
Synchrony Financial's address is: 777 Long Ridge Road, Stamford, CT, United States, 06902 What is Synchrony Financial's ISIN number?
Synchrony Financial's international securities identification number is: US87165B1035 What is Synchrony Financial's CUSIP number?
Synchrony Financial's Committee on Uniform Securities Identification Procedures number is: 87165B103
More guides on Finder
How to buy Argus Capital Corp (ARGU) stock when it goes public
Everything we know about the Argus Capital Corp IPO, plus information on how to buy in.
How to buy RenovoRx (RNXT) stock when it goes public
Everything we know about the RenovoRx IPO, plus information on how to buy in.
How to buy Draganfly (DPRO) stock when it goes public
Everything we know about the Draganfly IPO, plus information on how to buy in.
How to buy Society Pass Incorporated (SOPA) stock when it goes public
Everything we know about the Society Pass Incorporated IPO, plus information on how to buy in.
How to buy Guardforce AI Co (GFAI) stock when it goes public
Everything we know about the Guardforce AI Co IPO, plus information on how to buy in.
How to buy IsoPlexis Corporation (ISO) stock when it goes public
Everything we know about the IsoPlexis Corporation IPO, plus information on how to buy in.
How to buy Marpai (MRAI) stock when it goes public
Everything we know about the Marpai IPO, plus information on how to buy in.
How to buy DoubleDown Interactive (DDI) stock when it goes public
Everything we know about the DoubleDown Interactive IPO, plus information on how to buy in.
How to buy Omniq Corp (OMQS) stock when it goes public
Everything we know about the Omniq Corp IPO, plus information on how to buy in.
How to buy Mechanical Technology (MKTYP) stock when it goes public
Everything we know about the Mechanical Technology IPO, plus information on how to buy in.
Ask an Expert