How to buy Synchrony Financial shares | $32.27

Own Synchrony Financial shares in just a few minutes. Share price changes are updated daily.

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Synchrony Financial (SYF) is a leading credit services business based in the US. It opened the day at $32.61 after a previous close of $32.98. During the day the price has varied from a low of $32.0082 to a high of $32.7. The latest price was $32.27 (25 minute delay). Synchrony Financial is listed on the NYSE and employs 16,500 staff. All prices are listed in US Dollars.

How to buy shares in Synchrony Financial

  1. Choose a platform. If you're a beginner, our share-dealing table below can help you choose.
  2. Open your account. You'll need your ID, bank details and national insurance number.
  3. Confirm your payment details. You'll need to fund your account with a bank transfer, debit card or credit card.
  4. Search the platform for stock code: SYF in this case.
  5. Research Synchrony Financial shares. The platform should provide the latest information available.
  6. Buy your Synchrony Financial shares. It's that simple.
The whole process can take as little as 15 minutes.

How has Coronavirus impacted Synchrony Financial's share price?

Since the stock market crash in March caused by coronavirus, Synchrony Financial's share price has had significant negative movement.

Its last market close was $29.38, which is 11.85% down on its pre-crash value of $33.33 and 141.81% up on the lowest point reached during the March crash when the shares fell as low as $12.15.

If you had bought $1,000 worth of Synchrony Financial shares at the start of February 2020, those shares would have been worth $394.88 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth $906.37.

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 2020-12-11.
Open$32.61
High$32.7
Low$32.0082
Close$32.27
Previous close$32.98
Change $-0.71
Change % -2.153%
Volume 3,224,947
Information last updated 2020-12-13.
52-week range$11.798 - $36.7624
50-day moving average $29.6665
200-day moving average $25.9033
Wall St. target price$36.79
PE ratio 14.4903
Dividend yield $0.88 (2.73%)
Earnings per share (TTM) $2.227
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Share dealing platform comparison

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Your first 100 trades are free with Fineco, T&Cs apply.
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
Stake
£0
£0
Zero platform fee
Join and receive a free share worth up to £100
Access unlimited commission-free trading on 3,800+ US stocks and ETFs with Stake. Capital at risk.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Degiro Share Dealing
£1.75 + 0.022% (max £5.00)
£1.75 + 0.022% (max £5.00)
Portfolio transfer fees (in & out)
Degiro is widely seen as one of the best low-cost share brokers, for people who are looking to trade regularly. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Open an ISA, Trading Account or SIPP you will get £100 of free trades to buy or sell any investment (new customers only).
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Legal & General stocks and shares ISA
Legal & General stocks and shares ISA
£100 or £20 a month
0.61%
N/A
Legal & General is a big financial services company which offers insurance, lifetime mortgage, pensions and stocks and shares ISAs. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
Penfold
Penfold
No minimum
4 portfolios
0.75-0.88%
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

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

Historical closes compared with the last close of $32.27

3 months (2020-10-16) 9.84%
6 months (2020-07-17) 39.03%

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 14x. In other words, Synchrony Financial shares trade at around 14x 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 0.2436. 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 $5.9 billion
Operating margin TTM 35.75%
Gross profit TTM $9.1 billion
Return on assets TTM 1.37%
Return on equity TTM 10.13%
Profit margin 23.32%
Book value $19.468
Market capitalisation $18.8 billion

TTM: trailing 12 months

How to short and sell Synchrony Financial shares

  1. Create a CFD or spread betting account.
  2. Search for the stock code. E.g. "SYF.US"
  3. Choose your position size.
  4. Select "sell" rather than "buy".
  5. Confirm your position and keep tabs on it. You may wish to set limits on your position.

There are currently 10.3 million Synchrony Financial shares held short by investors – that's known as Synchrony Financial's "short interest". This figure is 12.3% down from 11.8 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 4.7 million). Synchrony Financial's SIR currently stands at 2.2. In other words for every 100,000 Synchrony Financial shares traded daily on the market, roughly 2200 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 0.0178% 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 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. A high-profile company, 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

39%

Dividend payout ratio: 39.29% of net profits

Recently Synchrony Financial has paid out, on average, around 39.29% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.73% 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 2.73% 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 fairly standard, it's worth remembering that Synchrony Financial may be investing much of the rest of its net profits in future growth.

Synchrony Financial's most recent dividend payout was on 12 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 30 October 2020 (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 $11.798 up to $36.7624. A popular way to gauge a stock's volatility is its "beta".

SYF.US volatility(beta: 1.77)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 1.7722. 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).

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Synchrony Financial overview

Synchrony Financial operates as a consumer financial services company in the United States. It delivers 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 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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