Synchrony Financial Net Income
| SYF Stock | USD 74.14 1.08 1.44% |
As of the 5th of February, Synchrony Financial has the Coefficient Of Variation of 3380.91, risk adjusted performance of 0.0281, and Semi Deviation of 2.34. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Synchrony Financial, as well as the relationship between them. Please validate Synchrony Financial variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Synchrony Financial is priced more or less accurately, providing market reflects its prevalent price of 74.14 per share. Given that Synchrony Financial has jensen alpha of (0.04), we advise you to double-check Synchrony Financial's current market performance to make sure the company can sustain itself at a future point.
Synchrony Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 2.8087 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 4 B | 2.8 B | |
| Net Income Applicable To Common Shares | 3.5 B | 2.9 B | |
| Net Income From Continuing Ops | 3.1 B | 3 B | |
| Net Income Per Share | 9.93 | 10.42 | |
| Net Income Per E B T | 0.77 | 0.56 |
Synchrony | Net Income | Build AI portfolio with Synchrony Stock |
The Net Income trend for Synchrony Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Synchrony Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Synchrony Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Synchrony Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Synchrony Financial financial statement analysis. It represents the amount of money remaining after all of Synchrony Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Synchrony Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Synchrony Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 3.5 B | 10 Years Trend |
|
Net Income |
| Timeline |
Synchrony Net Income Regression Statistics
| Arithmetic Mean | 2,570,056,863 | |
| Geometric Mean | 2,461,176,027 | |
| Coefficient Of Variation | 30.92 | |
| Mean Deviation | 669,478,662 | |
| Median | 2,238,000,000 | |
| Standard Deviation | 794,660,379 | |
| Sample Variance | 631485.1T | |
| Range | 2.8B | |
| R-Value | 0.60 | |
| Mean Square Error | 429296.7T | |
| R-Squared | 0.36 | |
| Significance | 0.01 | |
| Slope | 94,768,954 | |
| Total Sum of Squares | 10103761.9T |
Synchrony Net Income History
Other Fundumenentals of Synchrony Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Synchrony Financial Net Income component correlations
Synchrony Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Synchrony Financial is extremely important. It helps to project a fair market value of Synchrony Stock properly, considering its historical fundamentals such as Net Income. Since Synchrony Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Synchrony Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Synchrony Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Consumer Finance industry sustain growth momentum? Does Synchrony have expansion opportunities? Factors like these will boost the valuation of Synchrony Financial. If investors know Synchrony will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Synchrony Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.076 | Dividend Share 1.15 | Earnings Share 9.28 | Revenue Per Share | Quarterly Revenue Growth 0.05 |
The market value of Synchrony Financial is measured differently than its book value, which is the value of Synchrony that is recorded on the company's balance sheet. Investors also form their own opinion of Synchrony Financial's value that differs from its market value or its book value, called intrinsic value, which is Synchrony Financial's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Synchrony Financial's market value can be influenced by many factors that don't directly affect Synchrony Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Synchrony Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Synchrony Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Synchrony Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Synchrony Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Synchrony Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Synchrony Financial.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in Synchrony Financial on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding Synchrony Financial or generate 0.0% return on investment in Synchrony Financial over 90 days. Synchrony Financial is related to or competes with Orix Corp, MT Bank, KB Financial, Truist Financial, Morgan Stanley, Fifth Third, and Shinhan Financial. Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United Sta... More
Synchrony Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Synchrony Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Synchrony Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.39 | |||
| Information Ratio | (0) | |||
| Maximum Drawdown | 12.73 | |||
| Value At Risk | (3.58) | |||
| Potential Upside | 2.67 |
Synchrony Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Synchrony Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Synchrony Financial's standard deviation. In reality, there are many statistical measures that can use Synchrony Financial historical prices to predict the future Synchrony Financial's volatility.| Risk Adjusted Performance | 0.0281 | |||
| Jensen Alpha | (0.04) | |||
| Total Risk Alpha | (0.10) | |||
| Sortino Ratio | (0) | |||
| Treynor Ratio | 0.0309 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Synchrony Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Synchrony Financial February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0281 | |||
| Market Risk Adjusted Performance | 0.0409 | |||
| Mean Deviation | 1.42 | |||
| Semi Deviation | 2.34 | |||
| Downside Deviation | 2.39 | |||
| Coefficient Of Variation | 3380.91 | |||
| Standard Deviation | 2.04 | |||
| Variance | 4.15 | |||
| Information Ratio | (0) | |||
| Jensen Alpha | (0.04) | |||
| Total Risk Alpha | (0.10) | |||
| Sortino Ratio | (0) | |||
| Treynor Ratio | 0.0309 | |||
| Maximum Drawdown | 12.73 | |||
| Value At Risk | (3.58) | |||
| Potential Upside | 2.67 | |||
| Downside Variance | 5.7 | |||
| Semi Variance | 5.46 | |||
| Expected Short fall | (1.44) | |||
| Skewness | (1.50) | |||
| Kurtosis | 4.63 |
Synchrony Financial Backtested Returns
At this point, Synchrony Financial is very steady. Synchrony Financial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.0322, which indicates the firm had a 0.0322 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for Synchrony Financial, which you can use to evaluate the volatility of the company. Please validate Synchrony Financial's Semi Deviation of 2.34, risk adjusted performance of 0.0281, and Coefficient Of Variation of 3380.91 to confirm if the risk estimate we provide is consistent with the expected return of 0.0679%. Synchrony Financial has a performance score of 2 on a scale of 0 to 100. The entity has a beta of 1.63, which indicates a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Synchrony Financial will likely underperform. Synchrony Financial right now has a risk of 2.11%. Please validate Synchrony Financial value at risk, as well as the relationship between the skewness and price action indicator , to decide if Synchrony Financial will be following its existing price patterns.
Auto-correlation | -0.9 |
Excellent reverse predictability
Synchrony Financial has excellent reverse predictability. Overlapping area represents the amount of predictability between Synchrony Financial time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Synchrony Financial price movement. The serial correlation of -0.9 indicates that approximately 90.0% of current Synchrony Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.9 | |
| Spearman Rank Test | -0.89 | |
| Residual Average | 0.0 | |
| Price Variance | 28.29 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Synchrony Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Synchrony Financial reported net income of 3.5 B. This is 173.91% higher than that of the Consumer Finance sector and 156.47% higher than that of the Financials industry. The net income for all United States stocks is significantly lower than that of the firm.
Synchrony Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Synchrony Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Synchrony Financial could also be used in its relative valuation, which is a method of valuing Synchrony Financial by comparing valuation metrics of similar companies.Synchrony Financial is currently under evaluation in net income category among its peers.
Synchrony Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Synchrony Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Synchrony Financial's managers, analysts, and investors.Environmental | Governance | Social |
Synchrony Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Synchrony Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Synchrony Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Synchrony Financial's value.| Shares | Northern Trust Corp | 2025-06-30 | 5.3 M | Ameriprise Financial Inc | 2025-06-30 | 5.3 M | Allianz Asset Management Ag | 2025-06-30 | 5.2 M | Amvescap Plc. | 2025-06-30 | 5 M | Goldman Sachs Group Inc | 2025-06-30 | 4.6 M | Norges Bank | 2025-06-30 | 4.5 M | Boston Partners Global Investors, Inc | 2025-06-30 | 4.5 M | Aqr Capital Management Llc | 2025-06-30 | 4.3 M | Nordea Investment Mgmt Bank Demark A/s | 2025-06-30 | 4.2 M | Vanguard Group Inc | 2025-06-30 | 48.5 M | Capital World Investors | 2025-06-30 | 39.3 M |
Synchrony Fundamentals
| Return On Equity | 0.21 | ||||
| Return On Asset | 0.0298 | ||||
| Profit Margin | 0.36 % | ||||
| Operating Margin | 0.43 % | ||||
| Current Valuation | 27.1 B | ||||
| Shares Outstanding | 347.4 M | ||||
| Shares Owned By Insiders | 0.43 % | ||||
| Shares Owned By Institutions | 99.57 % | ||||
| Number Of Shares Shorted | 18.02 M | ||||
| Price To Earning | 5.83 X | ||||
| Price To Book | 1.65 X | ||||
| Price To Sales | 2.73 X | ||||
| Revenue | 20.21 B | ||||
| Gross Profit | 9.76 B | ||||
| EBITDA | 7.53 B | ||||
| Net Income | 3.5 B | ||||
| Cash And Equivalents | 11.96 B | ||||
| Cash Per Share | 26.55 X | ||||
| Total Debt | 15.18 B | ||||
| Debt To Equity | 5.66 % | ||||
| Book Value Per Share | 44.74 X | ||||
| Cash Flow From Operations | 9.85 B | ||||
| Short Ratio | 5.47 X | ||||
| Earnings Per Share | 9.28 X | ||||
| Price To Earnings To Growth | 80.79 X | ||||
| Target Price | 90.48 | ||||
| Number Of Employees | 20 K | ||||
| Beta | 1.4 | ||||
| Market Capitalization | 26.62 B | ||||
| Total Asset | 119.09 B | ||||
| Retained Earnings | 24.6 B | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 2.49 % | ||||
| Net Asset | 119.09 B | ||||
| Last Dividend Paid | 1.15 |
About Synchrony Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Synchrony Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Synchrony Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Synchrony Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out For more detail on how to invest in Synchrony Stock please use our How to Invest in Synchrony Financial guide.You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.
Can Consumer Finance industry sustain growth momentum? Does Synchrony have expansion opportunities? Factors like these will boost the valuation of Synchrony Financial. If investors know Synchrony will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Synchrony Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.076 | Dividend Share 1.15 | Earnings Share 9.28 | Revenue Per Share | Quarterly Revenue Growth 0.05 |
The market value of Synchrony Financial is measured differently than its book value, which is the value of Synchrony that is recorded on the company's balance sheet. Investors also form their own opinion of Synchrony Financial's value that differs from its market value or its book value, called intrinsic value, which is Synchrony Financial's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Synchrony Financial's market value can be influenced by many factors that don't directly affect Synchrony Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Synchrony Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Synchrony Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Synchrony Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.