Synchrony Financial (SYF)

NYSE
Currency in USD
54.16
-1.04(-1.88%)
Closed
After Hours
54.09-0.07(-0.13%)
SYF Scorecard
Full Analysis
Has raised its dividend for 3 consecutive years
Fair Value
Day's Range
53.7854.80
52 wk Range
39.6770.93
Key Statistics
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Prev. Close
55.2
Open
54.79
Day's Range
53.78-54.8
52 wk Range
39.67-70.93
Volume
3.1M
Average Volume (3m)
4.13M
1-Year Change
28.1%
Book Value / Share
39.45
Fair Value
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Fair Value Upside
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SYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Pricepro lock
Upsidepro lock
Price Target
75.52
Upside
+39.45%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low earnings multiple
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Synchrony Financial Company Profile

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.

Sector
Financial
Employees
20000

Synchrony Financial SWOT Analysis


Financial Resilience
Synchrony Financial demonstrates strong performance with a 77.1% stock return over the past year and a robust financial health score, despite regulatory challenges
Regulatory Headwinds
Explore Synchrony's proactive strategies to mitigate the impact of new CFPB late fee rules, potentially neutralizing financial effects by year-end 2025
Growth Horizons
Delve into Synchrony's expansion into healthcare financing and its success in maintaining a strong portfolio of retail partnerships, driving diversification
Analyst Perspectives
Discover varied analyst projections, with price targets ranging from $41 to $79, reflecting differing views on Synchrony's ability to navigate market challenges
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q3/2024

  • Net earnings of $789M ($1.94/share); revenue up 10% to $3.8B; 4.7M new accounts added; $45B purchase volume generated
  • Provision for credit losses rose to $1.6B; 30+ delinquency rate up to 4.78%; net charge-off rate increased to 6.06%
  • Projects FY2024 EPS $8.45-$8.55; aims for 5.5-6% charge-off rate in 2025; expects low single-digit Q4 purchase volume decline
  • Added/renewed 15+ partnerships; launched Albertsons CareCredit acceptance; grew direct deposits by $780M
  • Preparing for CFPB late fee rule; cautiously optimistic about holiday spending; adapting strategies to market conditions
Last Updated: 10/17/2024, 03:46 AM
Read Full Transcript

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
6.1x16.4x9.0x
PEG Ratio
0.100.570.03
Price/Book
1.4x1.0x1.0x
Price / LTM Sales
2.2x2.5x2.7x
Upside (Analyst Target)
43.1%28.6%16.8%
Fair Value Upside
Unlock3.5%3.7%Unlock

Analyst Ratings

15 Buy
7 Hold
0 Sell
Ratings:
22 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 75.52
(+39.45% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 8.64%
Dividend Yield
1.81%
Industry Median 4.29%
Annualized payout
1.00
Paid quarterly
5-Years Growth
+3.06%
Growth Streak

Earnings

Latest Release
Jan 28, 2025
EPS / Forecast
1.91 / 1.89
Revenue / Forecast
3.80B / 3.84B
EPS Revisions
Last 90 days

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FAQ

What Is the Synchrony Financial (SYF) Stock Price Today?

The Synchrony Financial stock price today is 54.16

What Stock Exchange Does Synchrony Financial Trade On?

Synchrony Financial is listed and trades on the NYSE stock exchange.

What Is the Stock Symbol for Synchrony Financial?

The stock symbol for Synchrony Financial is "SYF."

Does Synchrony Financial Pay Dividends? What’s The Current Dividend Yield?

The Synchrony Financial dividend yield is 1.85%.

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 21.05B.

What is Synchrony Financial Earnings Per Share?

The Synchrony Financial EPS is 8.64.

What Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on Apr 28, 2025.

From a Technical Analysis Perspective, Is SYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.
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