SYF · Synchrony Financial
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.”
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30+ delinquency rate | 4.2% | Jul 31, 2026 | — |
| Adjusted net charge-off rate non-GAAP | 4.9% | Jul 31, 2026 | — |
| average active accounts | 68.3M | three months ended June 30, 2026 filing | — |
| Efficiency ratio | 35.8% | Three months ended June 30, 2026 filing | — |
| Net charge-off rate | 5.43% | the three months ended June 30, 2026 filing | — |
| Net interest margin | 15.08% | Three months ended June 30, 2026 filing | — |
| purchase volume | 49.8B | three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SYF
this stock
Synchrony Financial
|
$23.73B | -14.9% | — | 7.5 | 5.8% |
|
V
Visa Inc.
|
$655.56B | +2.5% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.4% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -20.3% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SYF | +0.4% | -7.4% | -2.1% | -7.9% | -14.9% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | +1.1% | -7.5% | -14.3% | -7.4% | -26.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.