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$77.75 -0.87 (-1.11%)
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
$26.00B
Shares
325.37M

SYF metrics

71 of 115 screener metrics currently available.

Open in screener

Market overview

2 metrics
Share price
$78.62
Market cap
$26.00B

Price action

20 metrics
Price change (1W)
+2.4%
Price change (30D)
+2.2%
Price change (3M)
+12.8%
Price change (6M)
+19.9%
Price change (YTD)
-4.2%
Price change (1Y)
+4.0%
Trailing year
Price change (5Y)
+68.7%
52-week high
$88.47
52-week low
$63.78
Change from 52-week high
-9.7%
Change from 52-week low
+25.3%
Annualized volatility
31.6%
Annualized volatility (3M)
34.5%
Beta
1.2
RSI (14D)
55.8
Price vs SMA 50
+4.0%
Price vs SMA 200
+6.4%
Avg volume (3M)
3.56M
Relative volume
0.8
Average dollar volume
$269.45M

Company

3 metrics
Sector
Financial Services
Industry
Credit Services
Shares outstanding
325.37M

Valuation

12 metrics
P / E (TTM)
8.2
Trailing earnings · reciprocal yield 12.2%
PEG ratio
2.3
EV / revenue
1.4×
reciprocal yield 73.3%
EV / EBITDA
—
EV / EBIT
—
P / sales
1.4×
reciprocal yield 74.0%
P / book
1.5
reciprocal yield 65.0%
FCF yield
—
TTM · current market cap
Buyback yield
13.9%
P / FCF
—
P / operating cash flow
2.7
reciprocal yield 37.3%
Earnings yield
13.5%

Historical valuation

8 metrics
P / E historical average (3Y)
7.3×
reciprocal yield 13.6%
P / E historical average (5Y)
6.7×
reciprocal yield 14.9%
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
1.6%
Trailing 12 months
Payout ratio
11.9%
Shareholder yield
15.5%
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
2026-07-21

Profitability

9 metrics
Gross margin
—
Operating margin
—
Trailing 12 months
Net margin
18.3%
Gross profit (TTM)
—
Operating profit (TTM)
—
Net income (TTM)
$3.52B
Trailing 12 months
Diluted EPS (TTM)
$9.75
FCF margin
—
Effective tax rate
23.8%

Per share

11 metrics
Revenue per diluted share (TTM)
—
Gross profit per diluted share (TTM)
—
Operating profit per diluted share (TTM)
—
EBITDA per diluted share (TTM)
—
Net income per diluted share (TTM)
—
Operating cash flow per diluted share (TTM)
—
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
—

Growth

11 metrics
Revenue growth YoY
+2.3%
Year over year
Net income growth YoY
-8.5%
Revenue (TTM)
$19.25B
Trailing 12 months
EPS growth YoY
+3.6%
Shares change YoY
-11.9%
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
20.8%
Return on assets
2.9%
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
−$239.00M
Latest balance sheet
Cash & equivalents
$16.19B
Total assets
$121.93B
Total debt
$16.43B

Cash flow & spend

7 metrics
Operating cash flow (TTM)
$9.69B
Capital expenditures (TTM)
—
R&D (TTM)
—
SG&A (TTM)
—
Stock compensation (TTM)
—
R&D / revenue
—
Stock compensation / revenue
—

Ownership (13F)

3 metrics
13F filers
1,005
13F filer change QoQ
+30
Institutional ownership
106.5%

Short interest

3 metrics
Short interest
5.5%
Latest settlement · 7.0 days to cover
Days to cover
7.0d
Short-squeeze score
58 / 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) 491 filings 467 filers Visit website Investor relations