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 20,000 staff and has a trailing 12-month revenue of around $9.6 billion.
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Synchrony Financial stock price (NYSE: SYF)
Use our graph to track the performance of SYF stocks over time.
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.
Is Synchrony Financial stock undervalued or overvalued?
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 8x. In other words, Synchrony Financial shares trade at around 8x 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 1.6071. 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
$9.6 billion
Operating margin TTM
53.38%
Gross profit TTM
$9.6 billion
Return on assets TTM
3.03%
Return on equity TTM
21.64%
Profit margin
37.07%
Book value
$43.99
Market Capitalization
$28.8 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 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
Dividend payout ratio: 12.55% of net profits
Recently Synchrony Financial has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% 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 0% return on their shares, in the form of dividend payments. In Synchrony Financial's case, that would currently equate to about $1.1 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 16 November 2025. The latest dividend was paid out to all shareholders who bought their shares by 4 November 2025 (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 $39.9815 up to $77.91. 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 1.455. 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 and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, 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 and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Frequently asked questions
null What percentage of Synchrony Financial is owned by insiders or institutions? Currently 0.295% of Synchrony Financial shares are held by insiders and 106.094% by institutions.How many people work for Synchrony Financial? Latest data suggests 20,000 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, 06902What is Synchrony Financial's ISIN number? Synchrony Financial's international securities identification number is: US87165B1035What is Synchrony Financial's CUSIP number? Synchrony Financial's Committee on Uniform Securities Identification Procedures number is: 87165B103
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