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SYF

NYSE · USD

Synchrony Financial

Financial Services · Financial - Credit Services

CEO Brian D. Doubles Employees 20,000 R&D / revenue 0.0%

Live stock page Read the factsheet

Last price

$73.68−0.49%last session

Market cap

$24.0B

P/E (TTM)

7.5x

From 52w high

−17.0%

From 52w low

+16.8%

1-year return

+5.3%

RSI 14 · vs SMA200

50.0 · −0.4%

IS score

55.8/ 100

Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.

Download full factsheet (PDF)

One year, rebased to 100

SYF SPY XLF (sector ETF) · weekly closes

Score DNA

Each bar is a 0-100 score within the scored universe

Profitability

Growth

Value

Momentum

100

Risk (safety)

Quality

Balance sheet

Earnings quality

Flags

Strengths

✓ Congress buying

Warnings

None of the computed warning flags fires for SYF (Altman, Beneish, accruals, FCF, dilution).

Observations

Moat model: Weak, Efficient ScalePiotroski 7 / 9Beta 1.312 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.

INSForm 4 · 180 days

Insider open-market buys

8 open-market sales, $3.0M

No Form 144 notices in 12 months

CONGSTOCK Act · 180 days

Congressional purchases

Last disclosed purchase 2026-06-02

Members disclose in ranges, 30-45 days after the trade

13F13F · quarter to 2026-06-30

Net change in institutional holders

+40

121 new holders, 71 closed

1,008 filers hold 104.8% · 408 added, 349 trimmed

ETFETF holdings · 30 days

Net funds accumulating

−16

1,015 funds adding shares

1,031 funds trimming · counts of funds, not dollars

DARKFINRA · daily

Short-sale share of off-exchange volume

43.8%

20-day avg 68.3%, 50-day avg 70.0%

Latest 24.5 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.

Income statement

Revenue$19.1B

Revenue growth YoY−7.9%

Gross margin51.0%

Operating income$4.6B

Operating margin24.2%

Net income$3.6B

Net margin18.6%

EPS (diluted)$9.29

Cash flow

Operating cash flow$9.9B

Capital expenditure$0

Free cash flow$9.9B

FCF conversion (FCF / OCF)100.0%

Stock-based compensation$0

FCF less SBC$9.9B

Buybacks$2.9B

Dividends$510.0M

Balance sheet & returns

Cash & short-term investments$17.3B

Total debt$15.2B

Net cash$2.1B

Shareholders' equity$16.8B

Goodwill & intangibles$2.6B

Debt / equity0.97

ROE (TTM)20.9%

ROIC (TTM)2.9%

Operating margin by fiscal year

Revenue $11.2B (FY2021) to $19.1B (FY2025), a 14.2% CAGR.

Valuation

P/E (TTM)7.5x

EV / EBITDA4.7x

Price / sales1.26x

Price / FCF2.5x

FCF yield40.44%

Buyback yield12.27%

SBC / revenue0.0%

Price / book1.44x

Forward P/E FY20267.9x

Forward P/E FY20277.1x

Forward P/E FY20286.2x

Forward multiples divide today's price by Street EPS estimates. Street mean target $87.70 across 10 analysts last quarter is theirs, not ours.

SYF vs industry median

165 companies in Financial - Credit Services

SYF (TTM)Industry median Asset turnover 0.16 vs industry 0.20 · financial leverage 7.22

Earnings delivery

Next report 2026-10-20 · consensus EPS $2.42

83%

beat rate, 10 of 12 quarters

+9.6%

median EPS surprise

longest beat streak

EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-24 to 2026-07-21. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	12m return
SYF Synchrony Financial	$24.0B	7.5x	20.9%	18.6%	−7.9%	+5.3%
GPN Global Payments Inc.	$22.1B	n/m	-4.2%	-0.3%	+14.8%	+1.3%
AFRM Affirm Holdings, Inc.	$22.0B	13.0x	45.1%	—	+29.8%	+7.2%
SOFI SoFi Technologies, Inc.	$18.8B	28.5x	7.1%	10.0%	+34.2%	−45.3%
PYPL PayPal Holdings, Inc.	$48.5B	10.6x	24.5%	12.7%	+5.7%	−14.0%
ALLY Ally Financial Inc.	$11.5B	8.8x	9.7%	10.1%	+2.0%	—
FCFS FirstCash Holdings, Inc	$9.3B	24.5x	17.4%	8.7%	+21.6%	—
OMF OneMain Holdings, Inc.	$6.4B	8.4x	23.3%	9.4%	+7.0%	—

12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

No 8-K filings on file.

Context

Shares outstanding325,370,840

Free float99.5%

Institutional ownership104.8%

Beta1.31

Dividend yield1.68%

Last dividend$0.34 on 2026-08-05

50 / 200-day average$76.03 / $74.13

Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where SYF sits among 43 scored companies in Financial - Credit Services (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.

Valuation Profitability (TTM)Returns on capital Growth Margin history & stability Liquidity (latest quarter)Leverage & solvency (latest quarter)Efficiency Cash flow & earnings quality Dividends & buybacks Scores & forensic checks Per share Size (TTM)

Valuation

Measure	SYF	Industry median	Industry percentile	Sector median
P/E (TTM)	6.8x	9.3x	15th	11.9x
PEG (P/E ÷ 3-yr EPS CAGR)	0.31	0.76	20th	1.04
Price / sales	1.3x	1.3x	48th	2.5x
Price / book	1.4x	1.8x	38th	1.3x
Price / tangible book	1.7x	2.1x	39th	1.6x
Price / free cash flow	n/a
Price / operating cash flow	n/a
Enterprise value	n/a
EV / sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / free cash flow	n/a
Earnings yield	14.7%	8.8%	88th	7.9%
FCF yield	n/a
Operating cash flow yield	n/a
Graham number (per share)	$109.46	$72.38	71st	$50.71

Profitability (TTM)

Measure	SYF	Industry median	Industry percentile	Sector median
Gross margin	n/a
EBITDA margin	n/a
Operating margin	24.3%	19.2%	62nd	23.3%
EBIT margin	24.3%	18.7%	67th	23.3%
Net margin	18.6%	11.4%	81st	18.7%
NOPAT margin	18.6%	15.9%	57th	18.7%
FCF margin	n/a
Operating cash flow margin	n/a
R&D / revenue	0.0%	0.0%	0th	0.0%
SG&A / revenue	13.9%	14.4%	43rd	20.1%
Stock comp / revenue	0.0%	0.9%	0th	0.7%
Effective tax rate	23.8%	21.9%	72nd	21.0%

Returns on capital

Measure	SYF	Industry median	Industry percentile	Sector median
ROE (on average equity)	20.8%	19.9%	52nd	11.9%
ROA	2.9%	2.8%	60th	1.4%
ROIC	n/a
ROCE	n/a
Return on tangible assets	3.8%	5.3%	45th	2.0%
Cash ROIC (OCF / invested capital)	n/a
Gross profitability (GP / assets)	n/a
ROIC, 3-yr average	n/a
ROIC, 5-yr average	n/a
ROE, 5-yr average	21.1%	13.3%	67th	10.7%
Incremental ROIC	n/a

Growth

Measure	SYF	Industry median	Industry percentile	Sector median
Revenue growth (TTM YoY)	-2.4%	11.1%	13th	7.1%
Revenue growth (QoQ)	0.6%	1.3%	45th	2.8%
Revenue CAGR, 3 yr	7.8%	8.1%	43rd	10.8%
Revenue CAGR, 5 yr	10.2%	9.1%	51st	11.3%
Gross profit CAGR, 3 yr	n/a
Operating income CAGR, 3 yr	13.0%	24.6%	38th	8.8%
Net income growth (TTM YoY)	7.0%	22.5%	19th	24.7%
Net income CAGR, 3 yr	12.8%	12.8%	50th	9.4%
EPS growth (TTM YoY)	21.4%	25.3%	37th	25.1%
EPS CAGR, 3 yr	22.2%	14.1%	73rd	7.3%
EPS CAGR, 5 yr	13.0%	-0.2%	81st	4.2%
FCF growth (TTM YoY)	n/a
FCF CAGR, 3 yr	n/a
Operating cash flow CAGR, 3 yr	n/a
Book value CAGR, 3 yr	17.0%	8.1%	75th	8.9%
Dividend CAGR, 3 yr	9.2%	4.2%	91st	1.9%
Sustainable growth rate	17.8%	17.0%	53rd	8.3%

Margin history & stability

Measure	SYF	Industry median	Industry percentile	Sector median
Gross margin, 3-yr average	n/a
Operating margin, 3-yr average	22.3%	18.8%	62nd	21.4%
Net margin, 3-yr average	17.1%	10.3%	77th	16.5%
FCF margin, 3-yr average	n/a
Revenue stability (0-1)	0.86	0.86	51st	0.86
Earnings stability (0-1)	0.00	0.37	3rd	0.37
Margin stability (0-1)	0.78	0.83	36th	0.81

Liquidity (latest quarter)

Measure	SYF	Industry median	Industry percentile	Sector median
Cash & short-term investments	n/a
Net cash (− = net debt)	n/a
Working capital	n/a
Current ratio	n/a
Quick ratio	n/a
Cash ratio (cash + ST investments / current liabilities)	n/a
Defensive interval (days)	n/a

Leverage & solvency (latest quarter)

Measure	SYF	Industry median	Industry percentile	Sector median
Total debt	n/a
Debt / equity	n/a
Net debt / equity	n/a
Debt / assets	n/a
Debt / capital	n/a
Debt / EBITDA	n/a
Net debt / EBITDA	n/a
Interest coverage (EBIT / interest)	n/a
Cash interest coverage	n/a
Debt payback (years of OCF)	n/a
Liabilities / assets	86.1%	82.2%	62nd	86.2%
IS credit model rating	AAA	—		—
Implied credit spread (bps)	50	125	0th	175

Efficiency

Measure	SYF	Industry median	Industry percentile	Sector median
Asset turnover	n/a
Fixed asset turnover	n/a
Inventory turnover	n/a
Receivables turnover	n/a
Days sales outstanding	n/a
Days inventory outstanding	n/a
Days payables outstanding	n/a
Cash conversion cycle (days)	n/a
Capex / revenue	n/a
Capex / depreciation	n/a
Operating expense ratio	n/a

Cash flow & earnings quality

Measure	SYF	Industry median	Industry percentile	Sector median
Operating cash flow / net income	n/a
FCF / net income	n/a
FCF / operating cash flow	n/a
Capex / operating cash flow	n/a
Accruals ratio	n/a
Sloan accruals ratio	n/a
Earnings quality score (0-1)	n/a

Dividends & buybacks

Measure	SYF	Industry median	Industry percentile	Sector median
Dividend yield	1.7%	0.7%	69th	2.3%
Dividend per share (TTM)	$1.24	$0.52	76th	$1.03
Payout ratio (dividends / net income)	14.3%	7.9%	53rd	30.0%
Dividends / FCF	n/a
Dividend growth (YoY)	16.2%	1.9%	84th	6.4%
Buyback yield	15.1%	2.1%	98th	1.7%
Shareholder yield (dividends + buybacks)	17.2%	3.5%	93rd	5.2%
Share count change (YoY)	-11.9%	-1.5%	8th	-0.3%
Buybacks, last 5 years	$13.4B	$315.0M	90th	$85.3M

Scores & forensic checks

Measure	SYF	Industry median	Industry percentile	Sector median
IS score	56	52	52nd	53
IS profitability	66	52	71st	59
IS growth	43	60	21st	57
IS value	87	69	86th	77
IS momentum	73	77	36th	76
IS risk (safety)	100	100	45th	65
IS quality	78	58	88th	71
IS balance sheet	58	42	79th	51
IS earnings quality	65	70	40th	74
IS cash flow	82	74	76th	71
Piotroski F-score (0-9)	7	7	45th	6
Altman Z-score	—
Beneish M-score	—
Ohlson O-score	−6.89	−6.41	38th	−6.00
IS credit score	95	80	100th	68

Per share

Measure	SYF	Industry median	Industry percentile	Sector median
EPS, diluted (TTM)	$10.53	$5.48	73rd	$3.36
Book value per share	$50.57	$26.27	76th	$28.13
Tangible book per share	$46.43	$14.55	64th	$21.49
Revenue per share	$56.75	$45.33	59th	$17.62
FCF per share	n/a
Operating cash flow per share	n/a
Cash per share	n/a

Size (TTM)

Measure	SYF	Industry median	Industry percentile	Sector median
Market cap	$24.0B	$3.9B	88th	$2.5B
Revenue	$19.0B	$2.5B	86th	$1.0B
EBITDA	$5.2B	$710.6M	86th	$269.3M
Net income	$3.5B	$181.7M	88th	$168.0M
Free cash flow	n/a
Total assets	$121.9B	$8.6B	90th	$8.5B
Shareholders' equity	$16.9B	$1.9B	86th	$1.5B
Employees	20,000	2,358	83rd	1,392

Insider transactions, last 6 months

Form 4 · most recent 12

Date	Insider	Type	Shares	Price	Value	Owned after
2026-09-30	Coviello Arthur W Jr Director	Award / grant	846	$70.97	$60,041	27,012
2026-09-30	Alves Paget Leonard Director	Award / grant	846	$70.97	$60,041	53,380
2026-09-30	Aguirre Fernando Director	Award / grant	846	$70.97	$60,041	31,119
2026-09-30	Colao Daniel O Director	Award / grant	846	$70.97	$60,041	6,528
2026-09-30	Naylor Jeffrey G Director	Award / grant	1,287	$70.97	$91,338	66,904
2026-09-30	Zane Ellen M Director	Award / grant	846	$70.97	$60,041	33,087
2026-09-30	Richie Laurel Director	Award / grant	846	$70.97	$60,041	52,670
2026-09-30	Parker P.W. Director	Award / grant	846	$70.97	$60,041	35,333
2026-09-30	Chytil Kamila K Director	Award / grant	846	$70.97	$60,041	18,775
2026-09-30	Guthrie Roy A Director	Award / grant	846	$70.97	$60,041	41,701
2026-09-30	Ellinger Deborah G Director	Award / grant	846	$70.97	$60,041	3,198
2026-08-17	Casellas Alberto See remarks	Award / grant	182	$80.75	$14,696	50,691

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types

By transaction type, 6 months

Type	Direction	Filings	Shares	Value
Award / grant	Acquired	57	18,730	$1.4M
L-Small	Acquired	1	11	$887
Open-market sale	Disposed	8	40,275	$3.0M
Option exercise	Acquired	3	22,508	$767,823
Option exercise	Disposed	3	22,508	$767,823
Tax withholding	Disposed	4	5,151	$393,524

Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

Filed	Filer	Shares proposed	Est. proceeds
None on file.

A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 4 trades (1 purchases) · Senate 1 (1 purchases)

Traded	Member	Chamber	Type	Amount	Disclosed
2026-06-02	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-07-08
2026-04-09	Josh Gottheimer	House	Sale	$15,001 - $50,000	2026-05-20
2026-04-09	Josh Gottheimer	House	Sale (Full)	$15,001 - $50,000	2026-05-20
2026-04-08	Josh S. Gottheimer	House	Sale (Full)	$15,001 - $50,000	2026-05-20
2026-03-27	Alan Armstrong	Senate	Purchase	$1,001 - $15,000	2026-07-21
2017-03-02	James Inhofe	Senate	Sale (Full)	$50,001 - $100,000	2017-03-29
2017-03-02	James Inhofe	Senate	Sale (Full)	$50,001 - $100,000	2017-03-28
2017-02-01	James Inhofe	Senate	Sale (Partial)	$50,001 - $100,000	2017-03-02

STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed

Manager	Shares	Value	% of shares out
BlackRock, Inc.	30,893,517	$2.3B	9.49%
VANGUARD CAPITAL MANAGEMENT LLC	22,013,925	$1.7B	6.77%
Capital World Investors	18,918,854	$1.4B	5.81%
VANGUARD PORTFOLIO MANAGEMENT LLC	18,090,018	$1.4B	5.56%
STATE STREET CORP	17,733,198	$1.3B	5.45%
BANK OF AMERICA CORP /DE/	14,766,088	$1.1B	4.54%
GOLDMAN SACHS GROUP INC	10,093,347	$767.6M	3.10%
GEODE CAPITAL MANAGEMENT, LLC	9,853,708	$759.6M	3.03%
FIRST TRUST ADVISORS LP	7,698,248	$585.5M	2.37%
DIMENSIONAL FUND ADVISORS LP	6,254,849	$475.8M	1.92%
Invesco Ltd.	5,379,328	$409.1M	1.65%
NORDEA INVESTMENT MANAGEMENT AB	5,303,927	$411.0M	1.63%
AMERIPRISE FINANCIAL INC	4,512,851	$343.2M	1.39%
ASSETMARK, INC	4,402,769	$334.8M	1.35%
Allianz Asset Management GmbH	4,196,670	$319.2M	1.29%

Institutional ownership by quarter

% of shares held by 13F filers

Number of 13F filers holding

Holder changes by quarter

Quarter	Holders	Ownership	New	Increased	Reduced	Closed
2026-06-30	1,008	104.8%	121	408	349	71
2026-03-31	968	104.8%	121	344	379	127
2025-12-31	994	109.2%	167	362	345	81
2025-09-30	929	111.1%	121	333	340	59
2025-06-30	879	115.4%	124	339	309	104
2025-03-31	872	115.1%	108	368	288	123
2024-12-31	902	114.4%	197	300	302	59
2024-09-30	782	115.4%	116	277	272	57
2024-06-30	729	117.4%	101	261	268	70
2024-03-31	712	118.4%	100	259	245	57
2023-12-31	676	118.5%	104	202	278	69
2023-09-30	654	118.3%	58	226	255	53

Schedule 13D / 13G filers

Filed	Form	Filer	% of class	Shares
None on file.

Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETF	Weight in fund	Holding value
VITSX	0.03%	$733.1M
VTI	0.03%	$733.1M
VTSAX	0.03%	$733.1M
VSMPX	0.03%	$733.1M
VFINX	0.04%	$606.2M
VOO	0.04%	$606.2M

Share structure

Shares outstanding325,370,840

Float323,623,758

Free float99.5%

Income statement

Fiscal years, USD

	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$11.2B	$13.2B	$17.3B	$20.8B	$19.1B
Cost of revenue	$1.8B	$4.9B	$9.7B	$11.4B	$9.4B
Gross profit	$9.5B	$8.3B	$7.7B	$9.4B	$9.8B
R&D	$0	$0	$0	$0	$0
SG&A	$2.0B	$2.2B	$2.4B	$2.4B	$2.6B
Operating income	$5.5B	$4.0B	$2.9B	$4.6B	$4.6B
EBITDA	$5.9B	$4.4B	$3.4B	$5.0B	$5.1B
Pretax income	$5.5B	$4.0B	$2.9B	$4.6B	$4.6B
Income tax	$1.3B	$946.0M	$666.0M	$1.1B	$1.1B
Net income	$4.2B	$3.0B	$2.2B	$3.5B	$3.6B
EPS, diluted	$7.34	$6.15	$5.19	$8.55	$9.29
Diluted shares	569.3M	483.4M	423.5M	400.6M	357.8M

Balance sheet

	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & short-term investments	$13.6B	$15.2B	$18.1B	$17.8B	$17.3B
Receivables	$0	$0	$0	$0	$0
Inventory	$0	$0	$0	$0	$0
Total current assets	$13.6B	$15.2B	$18.1B	$17.8B	$17.3B
PP&E, net	$0	$0	$0	$0	$0
Goodwill & intangibles	$2.3B	$1.8B	$1.8B	$2.1B	$2.6B
Total assets	$95.7B	$104.6B	$117.5B	$119.5B	$119.1B
Accounts payable	$0	$0	$0	$0	$0
Total current liabilities	$67.6B	$77.5B	$81.2B	$82.1B	$81.1B
Long-term debt	$14.5B	$14.2B	$16.0B	$15.5B	$15.2B
Total liabilities	$82.1B	$91.7B	$103.6B	$102.9B	$102.3B
Shareholders' equity	$13.7B	$12.9B	$13.9B	$16.6B	$16.8B

Cash flow statement

Outflows are negative

	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	$4.2B	$3.0B	$2.2B	$3.5B	$3.6B
Depreciation & amortization	$390.0M	$419.0M	$458.0M	$481.0M	$514.0M
Stock-based compensation	$0	$0	$0	$0	$0
Change in working capital	$1.0B	−$269.0M	−$345.0M	−$205.0M	$376.0M
Operating cash flow	$7.1B	$6.7B	$8.6B	$9.8B	$9.9B
Capital expenditure	$0	$0	$0	$0	$0
Free cash flow	$7.1B	$6.7B	$8.6B	$9.8B	$9.9B
Investing cash flow	−$4.8B	−$10.2B	−$14.2B	−$8.9B	−$4.9B
Net debt issued / repaid	−$1.3B	−$329.0M	$1.8B	−$536.0M	−$295.0M
Buybacks	−$2.9B	−$3.3B	−$1.1B	−$1.0B	−$2.9B
Dividends paid	−$542.0M	−$476.0M	−$448.0M	−$470.0M	−$510.0M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end

	FY2021	FY2022	FY2023	FY2024	FY2025
Gross margin	84.3%	62.9%	44.2%	42.3%	51.0%
Operating margin	49.0%	30.0%	16.7%	23.1%	24.2%
Net margin	37.6%	22.9%	12.9%	17.8%	18.6%
FCF margin	63.2%	50.7%	49.6%	50.0%	51.5%
ROE	32.0%	22.7%	16.7%	23.0%	21.3%
ROIC	29.0%	25.4%	18.9%	24.6%	24.3%
ROA	4.4%	3.0%	2.0%	3.0%	3.0%
Debt / equity	1.06	1.10	1.15	0.93	0.91
Interest coverage	5.3x	2.6x	0.8x	1.0x	1.1x
Current ratio	0.20	0.20	0.22	0.22	0.21
Revenue growth	−12.5%	+17.6%	+31.4%	+13.6%	−2.9%
EPS growth	+229.2%	−13.6%	−19.7%	+64.2%	+12.0%
P/E at year end	5.4x	4.6x	6.8x	7.2x	8.4x
EV / EBITDA at year end	4.0x	2.9x	3.9x	4.5x	5.4x
FCF yield at year end	30.94%	48.64%	56.46%	39.05%	33.00%
Dividend payout	12.8%	15.8%	20.0%	13.4%	14.4%

Street estimates by fiscal year

Next report 2026-10-20 · consensus EPS $2.42 · these are analysts' numbers, not ours

Fiscal year	Revenue (mean)	Revenue range	EPS (mean)	EPS range	Analysts	P/E on mean EPS
2026	$15.1B	$14.9B – $15.5B	$9.38	$9.23 – $9.52	16	7.9x
2027	$16.0B	$15.3B – $16.4B	$10.40	$10.20 – $10.78	18	7.1x
2028	$16.8B	$16.1B – $17.3B	$11.80	$10.36 – $12.99	11	6.2x

Reported vs expected, every quarter on file

Reported	EPS expected	EPS actual	EPS surprise	Revenue expected	Revenue actual	Revenue surprise
2026-07-21	$2.14	$2.59	+21.0%	$3.7B	$3.7B	−0.2%
2026-04-21	$2.22	$2.27	+2.3%	$3.8B	$3.7B	−2.4%
2026-01-27	$2.05	$2.07	+1.0%	$3.8B	$3.8B	−1.2%
2025-10-15	$2.26	$2.86	+26.5%	$3.8B	$4.8B	+27.3%
2025-07-22	$1.82	$2.50	+37.4%	$3.7B	$4.7B	+27.1%
2025-04-22	$1.67	$1.89	+13.2%	$3.8B	$5.7B	+51.0%
2025-01-28	$1.93	$1.91	−1.0%	$3.8B	$3.8B	−0.7%
2024-10-16	$1.79	$1.94	+8.4%	$3.8B	$3.8B	+1.4%
2024-07-17	$1.35	$1.55	+14.8%	$3.7B	$4.9B	+33.1%
2024-04-24	$1.34	$1.18	−11.9%	$3.9B	$6.0B	+53.1%
2024-01-23	$0.93	$1.03	+10.8%	$4.5B	$3.7B	−18.1%
2023-10-24	$1.43	$1.48	+3.5%	$4.3B	$5.4B	+24.5%
2023-07-18	$1.24	$1.32	+6.5%	$4.3B	$3.3B	−23.2%
2023-04-19	$1.46	$1.35	−7.5%	$4.0B	$3.2B	−19.5%
2023-01-23	$1.11	$1.26	+13.5%	$3.1B	$3.1B	+1.4%
2022-10-25	$1.38	$1.47	+6.5%	$2.8B	$4.0B	+41.6%
2022-07-18	$1.43	$1.60	+11.9%	$2.7B	$4.0B	+46.0%
2022-04-18	$1.54	$1.77	+14.9%	$2.7B	$3.9B	+46.3%
2022-01-28	$1.48	$1.48	0.0%	$3.6B	$2.7B	−24.1%
2021-10-19	$1.51	$2.00	+32.5%	$3.4B	$2.5B	−27.5%
2021-07-20	$1.43	$2.12	+48.3%	$3.4B	$2.4B	−29.9%
2021-04-27	$1.38	$1.73	+25.4%	$3.6B	$2.6B	−28.7%
2021-01-29	$0.91	$1.24	+36.3%	$3.8B	$2.7B	−28.5%
2020-10-20	$0.72	$0.63	−12.5%	$4.2B	$2.7B	−36.1%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)

Week of	Notional	Shares	Trades
2026-08-31	$258.7M	3,300,635	76,622
2026-08-24	$352.9M	4,409,949	87,768
2026-08-17	$324.5M	4,093,296	82,743
2026-08-10	$181.7M	2,296,890	52,799
2026-08-03	$297.9M	3,780,853	81,020
2026-07-27	$349.0M	4,596,641	87,015

Short-sale share of off-exchange volume

daily 20-day average

Date	Short share	Short volume	Total volume
2026-10-15	43.8%	882,308	2,013,843
2026-10-14	35.6%	717,364	2,016,154
2026-10-13	78.6%	660,662	840,131
2026-10-12	65.8%	552,826	840,792
2026-10-09	41.0%	492,632	1,200,429
2026-10-08	75.0%	879,590	1,173,208
2026-10-07	77.6%	665,115	856,610
2026-10-06	61.5%	314,404	511,169
2026-10-05	51.1%	410,581	802,981
2026-10-02	81.2%	948,316	1,167,686

A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month

Month	Avg return	Up years	Years
Jan	+0.7%	50%	12
Feb	−0.3%	58%	12
Mar	−8.6%	25%	12
Apr	+4.3%	82%	11
May	+3.5%	64%	11
Jun	+0.3%	64%	11
Jul	+2.4%	75%	12
Aug	+2.9%	67%	12
Sep	−1.4%	50%	12
Oct	+3.0%	58%	12
Nov	+7.7%	83%	12
Dec	+1.7%	58%	12

History, not a forecast.

Indicators

as of 2026-10-16

RSI 1450.0

MFI57.7

ADX19.4

Stochastic %K / %D67.2 / 70.4

Williams %R-34.1

CCI128

TSI / signal-9.6 / -15.6

Chaikin money flow-0.02

ATR$1.94

Bollinger width6.2%

Volume vs 20-day avg0.87x

SupertrendDown

Moving averages and bands

level (price vs level)

SMA 20$72.47 (+1.7%)

SMA 50$75.93 (−3.0%)

SMA 200$74.00 (−0.4%)

EMA 21$73.35 (+0.4%)

EMA 50$74.45 (−1.0%)

EMA 200$73.77 (−0.1%)

Bollinger upper$74.72 (−1.4%)

Bollinger lower$70.22 (+4.9%)

Parabolic SAR$70.90 (+3.9%)

Open the live chart, 110+ indicators

About Synchrony Financial

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

https://www.synchrony.com

Key executives

Name	Title	Pay	Born
Brian D. Doubles	President, Chief Executive Officer & Director	$5.4M	1976
Brian J. Wenzel	Executive Vice President & Chief Financial Officer	$2.4M	1968
Jonathan S. Mothner	Executive Vice President & Chief Risk and Legal Officer	$2.2M	1964
Carol D. Juel	Executive VP & CEO of Digital Platform	$2.2M	1973
Alberto Casellas	Executive Vice President and Chief Executive Officer of Health & Wellness	$1.9M	1967
Curtis Howse	Executive Vice President and Chief Executive Officer of Home & Auto	$1.8M	1964
Casto	Executive VP and Chief People & Operations Officer	—	—
Florin Arghirescu	Executive VP & CTO	—	—

Executive pay, latest proxy

Executive	Year	Salary	Stock awards	Incentive	Total
Margaret Keane President and Chief Executive Officer	2017	$1.2M	$10.5M	$0	$13.5M
Brian Doubles Executive Vice President and Chief Financial Officer	2017	$750,000	$3.0M	$0	$4.2M
Tom Quindlen Executive Vice President and Chief Executive Officer—Retail Card	2017	$840,500	$2.1M	$0	$3.5M
Glenn Marino Executive Vice President, Chief Executive Officer— Payment Solutions and Chief Commercial Officer	2017	$756,923	$1.7M	$0	$3.0M
Jonathan Mothner Executive Vice President, General Counsel and Secretary	2017	$700,000	$1.6M	$0	$2.7M

Employees

Dividends

Ex-date	Amount	Paid
2026-08-05	$0.34	2026-08-17
2026-05-05	$0.3	2026-05-15
2026-02-06	$0.3	2026-02-17
2025-11-05	$0.3	2025-11-17
2025-08-05	$0.3	2025-08-15
2025-05-05	$0.3	2025-05-15
2025-02-03	$0.25	2025-02-18
2024-11-04	$0.25	2024-11-15

Moat model

Weak · Efficient Scale · 2026-06-30

Cost advantage46

Intangibles43

Switching costs36

Network effect47

Efficient scale72

Our component scores (0-100) and overall 46.8; a model of the business, not a call on the stock.

InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

SYF

One year, rebased to 100

Score DNA

Flags

Smart-money strip

Key financials · FY2025

Valuation

SYF vs industry median

Earnings delivery

Peers

Recent 8-K filings

Context

Full factsheet

All fundamentals · 140 measures in 13 categories

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Insider transactions, last 6 months

Shares acquired vs disposed, by month

By transaction type, 6 months

Form 144 notices

Congress trades

Largest 13F holders

Institutional ownership by quarter

Holder changes by quarter

Schedule 13D / 13G filers

ETFs with the largest holding

Share structure

Income statement

Balance sheet

Cash flow statement

Ratio history

Street estimates by fiscal year

Reported vs expected, every quarter on file

Off-exchange (dark pool) volume, weekly

Short-sale share of off-exchange volume

Seasonality

Indicators

Moving averages and bands

About Synchrony Financial

Key executives

Executive pay, latest proxy

Employees

Dividends

Moat model

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