Synchrony Financial is a credit services business based in the US. Synchrony Financial stocks (SYF.US) are listed on the NYSE and all prices are listed in US Dollars. Its last market close was $47.89 – an increase of 0.15% over the previous week. Synchrony Financial employs 18,000 staff and has a trailing 12-month revenue of around $9.5 billion.
How to buy stocks in Synchrony Financial
- Compare stock 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 stocks 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?
- Can I buy shares in Synchrony Financial?
- Has coronavirus impacted Synchrony Financial shares?
- Synchrony Financial shares summary
- Compare share dealing platforms
- Is Synchrony Financial stock a buy or sell?
- Synchrony Financial performance over time
- Is Synchrony Financial suitable for ethical investing?
- Are Synchrony Financial shares over-valued?
- Synchrony Financial's financials
- How volatile are Synchrony Financial 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||$33.08|
|52-week range||$32.05 - $51.68|
|50-day moving average||$37.08|
|200-day moving average||$44.89|
|Wall St. target price||$50.22|
|Dividend yield||$0.88 (2.43%)|
|Earnings per share (TTM)||$7.39|
Compare stock trading platforms
Note: The dollar amounts in the table below are in Canadian dollars.
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.
Synchrony Financial price performance over time
|1 week (2022-05-12)||0.15%|
|1 month (2022-04-19)||-18.72%|
|3 months (2022-02-18)||-23.81%|
|6 months (2021-11-19)||-30.91%|
|1 year (2021-05-19)||-27.88%|
|2 years (2020-05-19)||87.63%|
|3 years (2019-05-17)||34.91|
|5 years (2017-05-19)||23.25%|
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 5x. In other words, Synchrony Financial shares trade at around 5x 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 0.4611. 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||$9.5 billion|
|Operating margin TTM||58.21%|
|Gross profit TTM||$9.5 billion|
|Return on assets TTM||4.32%|
|Return on equity TTM||30.74%|
|Market capitalisation||$17.7 billion|
TTM: trailing 12 months
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 01/01/2019) 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.
Synchrony Financial share dividends
Dividend payout ratio: 12.5% of net profits
Recently Synchrony Financial has paid out, on average, around 12.5% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.43% 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 2.43% 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 2022. The latest dividend was paid out to all shareholders who bought their shares by 29 April 2022 (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 $32.045 up to $51.6819. 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 1.5946. 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, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking 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. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. 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. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
Stocks similar to Synchrony Financial
Synchrony Financial in the news
Why Is Synchrony (SYF) Down 13% Since Last Earnings Report?
SEC filings reveal massive selling in media names, including Disney and Comcast
SYNCHRONY FINANCIAL : Regulation FD Disclosure, Financial Statements and Exhibits (form 8-K)
Frequently asked questions
Disclaimer: This information should not be interpreted as an endorsement of futures, stocks, ETFs, options or any specific provider, service or offering. It should not be relied upon as investment advice or construed as providing recommendations of any kind. Futures, stocks, ETFs and options trading involves substantial risk of loss and therefore are not appropriate for all investors. Trading forex on leverage comes with a higher risk of losing money rapidly. Past performance is not an indication of future results. Consider your own circumstances, and obtain your own advice, before making any trades.
More on investing
iGaming is now legal in Ontario. Find out which companies to keep an eye on with our list of online gaming stocks.Read more…
Enjoy perks like free trades and cash rewards when you open a stock trading account with these online brokers.Read more…
Here’s what you need to know about investing in the propane industry, including 3 popular propane stocks to watch.Read more…
More guides on Finder
How to buy Entain stock in Canada
Steps to owning and managing ENT stock, with 24-hour and historical pricing before you buy.
How to buy Kambi Group stock in Canada
Steps to owning and managing KAMBI stock, with 24-hour and historical pricing before you buy.
Best brokerage signup bonuses in 2022
Enjoy perks like free trades and cash rewards when you open a stock trading account with these online brokers.
How to buy Rush Street Interactive stock in Canada
Steps to owning and managing RSI stock, with 24-hour and historical pricing before you buy.
How to buy PointsBet stock in Canada
Steps to owning and managing PBTHF stock, with 24-hour and historical pricing before you buy.
How to buy Hanover Bancorp, Inc. (HNVR) stock in Canada when it goes public
Everything we know about the Hanover Bancorp, Inc. IPO, plus information on how to buy in.
How to buy PrimeBlock stock in Canada when it goes public
Everything we know about the PrimeBlock IPO, plus information on how to buy in.
How to buy Actelis Networks (ASNS) stock in Canada when it goes public
Everything we know about the Actelis Networks IPO, plus information on how to buy in.
How to buy ProFrac Holding Corp (PFHC) stock in Canada when it goes public
Everything we know about the ProFrac Holding Corp IPO, plus information on how to buy in.
How to buy Wytec International (WYTC) stock in Canada when it goes public
Everything we know about the Wytec International IPO, plus information on how to buy in.