Synchrony Financial Stock Today

SYF Stock  USD 72.81  1.09  1.47%   

Performance

Weak

 
Weak
 
Strong

Odds Of Distress

Tiny

 
High
 
Low
Synchrony Financial is trading at 72.81 as of the 11th of February 2026. This is a 1.47 percent decrease since the beginning of the trading day. The stock's lowest day price was 72.81. Synchrony Financial has only four percent chance of going through some form of financial distress over the next 2 years but had a somewhat weak performance during the last 90 days. Note, on April 21, 2023, Representative Ann Wagner of US Congress acquired $100k to $250k worth of Synchrony Financial's common stock.
Business Domain
Financial Services
IPO Date
31st of July 2014
Classification
Financials
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut. Synchrony Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. The company has 347.6 M outstanding shares of which 18.02 M shares are at this time shorted by investors with about 5.47 days to cover. More on Synchrony Financial

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Follow Valuation Options Odds of Bankruptcy
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Synchrony Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEONeeraj Mehta
Old NameSYSTAR
Business ConcentrationConsumer Finance, Financial Services, NYSE Composite, SP 500 Index, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.03150.0298
Notably Up
Slightly volatile
Asset Turnover0.110.1697
Way Down
Slightly volatile
Gross Profit Margin0.640.6082
Sufficiently Up
Pretty Stable
Net Debt198.6 M209 M
Notably Down
Slightly volatile
Total Current Liabilities5.7 BB
Notably Down
Very volatile
Non Current Liabilities Total35.7 B18.7 B
Way Up
Pretty Stable
Total Assets103.9 B119.1 B
Fairly Down
Slightly volatile
Total Current Assets20.6 B20.5 B
Slightly Up
Slightly volatile
Total Cash From Operating Activities8.2 B9.9 B
Fairly Down
Slightly volatile
Debt Levels
Synchrony Financial utilizes debt financing to potentially enhance returns on invested capital. The relationship between total debt and total assets provides valuable insight into Synchrony Financial's leverage profile, showing how much of Synchrony Financial's resources are funded through borrowing.
Liquidity
Synchrony Financial has 15.18 B in debt with debt to equity (D/E) ratio of 5.66, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for Synchrony to invest in growth at high rates of return.

Free Cash Flow

7.34 Billion
Synchrony Financial (SYF) is traded on New York Stock Exchange in USA and employs 20,000 people. Synchrony Financial is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Large-Cap' category with a total capitalization of 26.63 B. Synchrony Financial runs under Consumer Finance sector within Financials industry. The entity has 347.6 M outstanding shares of which 18.02 M shares are at this time shorted by investors with about 5.47 days to cover. Synchrony Financial has about 11.96 B in cash with 9.85 B of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 26.55.
Check Synchrony Financial Probability Of Bankruptcy
Ownership Allocation
The majority of Synchrony Financial outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in Synchrony Financial to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in Synchrony Financial. Please pay attention to any change in the institutional holdings of Synchrony Financial as this could imply that something significant has changed or is about to change at the company. Please note that on April 21, 2023, Representative Ann Wagner of US Congress acquired $100k to $250k worth of Synchrony Financial's common stock.
Check Synchrony Ownership Details

Synchrony Stock Institutional Holders

InstituionRecorded OnShares
Northern Trust Corp2025-06-30
5.3 M
Ameriprise Financial Inc2025-06-30
5.3 M
Allianz Asset Management Ag2025-06-30
5.2 M
Amvescap Plc.2025-06-30
M
Goldman Sachs Group Inc2025-06-30
4.6 M
Norges Bank2025-06-30
4.5 M
Boston Partners Global Investors, Inc2025-06-30
4.5 M
Aqr Capital Management Llc2025-06-30
4.3 M
Nordea Investment Mgmt Bank Demark A/s2025-06-30
4.2 M
Vanguard Group Inc2025-06-30
48.5 M
Capital World Investors2025-06-30
39.3 M
View Synchrony Financial Diagnostics

Synchrony Financial Historical Income Statement

At this time, Synchrony Financial's Interest Expense is most likely to increase significantly in the upcoming years. The Synchrony Financial's current Research Development is estimated to increase to 0.24, while Depreciation And Amortization is projected to decrease to roughly 310.6 M. View More Fundamentals

Synchrony Stock Against Markets

Synchrony Financial Corporate Directors

Roy GuthrieIndependent DirectorProfile
Arthur CovielloIndependent DirectorProfile
Fernando AguirreIndependent DirectorProfile
Ellen ZaneIndependent DirectorProfile
When determining whether Synchrony Financial is a strong investment it is important to analyze Synchrony Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Synchrony Financial's future performance. For an informed investment choice regarding Synchrony Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Synchrony Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in private.
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 Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.
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
0.078
Dividend Share
1.15
Earnings Share
9.28
Revenue Per Share
26.375
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.