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SYF · Synchrony Financial · Metrics

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$73.64 -1.45 (-1.93%) At close · Oct 23
S&P 500 member Russell 1000 member Rebalance outlook locked
Customer concentration — top 3 customers 10% of revenue

3 customers — 10% of revenue (the year ended December 31, 2025)

“'s, PayPal, which includes our Venmo program, and Sam's Club, each accounted for more than 10% of our total interest and fees on loans for the year ended December 31, 2025.”
View the 10-K filed Feb 6, 2026
Market Cap
$22.93B
Shares
311.40M
Volume · Oct 23 3.79M Avg daily vol (3M) 3.22M

SYF metrics

79 of 122 screener metrics currently available.

Open in screener

Market overview

2 metrics
Share price
$73.64
Market cap
$22.93B

Price action

20 metrics
Price change (1W)
-0.1%
Price change (30D)
+1.0%
Price change (3M)
+1.0%
Price change (6M)
-3.5%
Price change (YTD)
-11.7%
Price change (1Y)
+0.5%
Trailing year
Price change (5Y)
+49.7%
52-week high
$88.47
52-week low
$63.78
Change from 52-week high
-16.8%
Change from 52-week low
+15.5%
Annualized volatility
31.2%
Annualized volatility (3M)
26.5%
Beta
1.2
RSI (14D)
49.4
Price vs SMA 50
-2.4%
Price vs SMA 200
-0.2%
Avg volume (3M)
3.22M
Relative volume
1.2
Average dollar volume
$244.61M

Company

3 metrics
Sector
Financial Services
Industry
Credit Services
Shares outstanding
311.40M

Valuation

12 metrics
P / E (TTM)
7.7
Trailing earnings · reciprocal yield 13.0%
PEG ratio
—
EV / revenue
1.2×
reciprocal yield 80.3%
EV / EBITDA
—
EV / EBIT
—
P / sales
1.2×
reciprocal yield 84.2%
P / book
1.4
reciprocal yield 72.2%
FCF yield
—
TTM · current market cap
Buyback yield
16.7%
P / FCF
—
P / operating cash flow
2.4
reciprocal yield 41.7%
Earnings yield
14.5%

Historical valuation

8 metrics
P / E historical average (3Y)
7.4×
reciprocal yield 13.6%
P / E historical average (5Y)
6.8×
reciprocal yield 14.8%
EV / revenue historical average (3Y)
—
EV / revenue historical average (5Y)
—
EV / EBIT historical average (3Y)
—
EV / EBIT historical average (5Y)
—
EV / EBITDA historical average (3Y)
—
EV / EBITDA historical average (5Y)
—

Dividends & buybacks

7 metrics
Dividend yield
1.7%
Trailing 12 months
Payout ratio
12.6%
Shareholder yield
18.6%
Dividend / share (TTM)
$1.24
Dividend growth YoY
+12.7%
Dividend growth streak
4
Last ex-dividend
2026-08-05

Earnings calendar

2 metrics
Next earnings
—
Last earnings
2026-10-20

Profitability

9 metrics
Gross margin
—
Operating margin
—
Trailing 12 months
Net margin
17.3%
Gross profit (TTM)
—
Operating profit (TTM)
—
Net income (TTM)
$3.33B
Trailing 12 months
Diluted EPS (TTM)
$9.57
FCF margin
—
Effective tax rate
23.7%

Per share

11 metrics
Revenue per diluted share (TTM)
$56.89
Gross profit per diluted share (TTM)
—
Operating profit per diluted share (TTM)
—
EBITDA per diluted share (TTM)
—
Net income per diluted share (TTM)
$9.84
Operating cash flow per diluted share (TTM)
$28.16
Free cash flow per diluted share (TTM)
—
Capital expenditures per diluted share (TTM)
—
R&D per diluted share (TTM)
—
Stock compensation per diluted share (TTM)
—
Book value per share
$48.32

Growth

11 metrics
Revenue growth YoY
+1.4%
Year over year
Net income growth YoY
-17.2%
Revenue (TTM)
$19.31B
Trailing 12 months
EPS growth YoY
-6.3%
Shares change YoY
-12.8%
Year over year · fewer shares
Revenue CAGR (3Y)
+5.9%
Revenue CAGR (5Y)
+5.1%
EPS CAGR (3Y)
+14.7%
EPS CAGR (5Y)
+32.5%
FCF CAGR (3Y)
—
FCF CAGR (5Y)
—

Quality

14 metrics
Return on equity
20.1%
Return on assets
2.7%
Debt / equity
1.0
Current ratio
—
EBITDA (TTM)
—
Free cash flow (TTM)
—
Quick ratio
—
Interest coverage
—
Net debt / EBITDA
—
Return on invested capital
—
Trailing 12 months
Net cash
−$1.12B
Latest balance sheet
Cash & equivalents
$15.90B
Total assets
$122.47B
Total debt
$17.02B

Cash flow & spend

7 metrics
Operating cash flow (TTM)
$9.55B
Capital expenditures (TTM)
—
R&D (TTM)
—
SG&A (TTM)
—
Stock compensation (TTM)
—
R&D / revenue
—
Stock compensation / revenue
—

Ownership (13F)

9 metrics
13F filers
1,014
13F filer change QoQ
+38
Institutional ownership
111.3%
Conviction holders (share of 13F filers)
0.7%
Crowding (high-turnover and private-fund holders)
—
Private-fund adviser ownership
—
Active holders' share change QoQ
-3.9%
Holder tenure
18.6
Price vs estimated holder cost
+17.9%

Ownership (registered funds)

1 metrics
Index-fund ownership
26.1%

Short interest

3 metrics
Short interest
5.6%
Latest settlement · 5.7 days to cover
Days to cover
5.7d
Short-squeeze score
64 / 100

Insider activity

2 metrics
Net insider buying (90D)
−$847,288
Insider-sentiment score
—

Risk flags

1 metrics
Going concern
—
Key facts CIK 1601712 CUSIP 87165B103 13F (30d) 227 filings 213 filers Visit website Investor relations