NYSE: SYF
Synchrony Financial
Financial Services · Financial - Credit Services
After hours: $75.31(0%) · as of 6:59 PM ET
Market Cap
$24.50B
52w High
$88.77
52w Low
$63.08
P/E
7.15
Volume
3.27M
Outstanding Shares
325.30M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 3.35% over the last year. Revenue grew 2.42% over the trailing twelve months. Operating margin moved from 21.83% to 23.57%. Free cash flow declined 1.84% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 23.57%. A decisive move in revenue — currently up 2.42% — would be the clearest signal to resolve the ambiguity.
Company profile
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States.
Valuation
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
25
Buy
15
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 21, 2026
Q4 FY26 · EPS est $2.42 · Revenue est $3.84B
View
Dividends
$1.24/shareQuarterly9yr growth streakEx-div Aug 5, 2026 · in 9dSafeSYF pays a dividend with a 1.65% declared yield, 9 consecutive years of growth, growing at 7.1% annually, covered 19.3× by free cash flow.
Declared Yield
1.65%
Annual Div / Share
$1.24
TTM $1.20
5yr CAGR
+7.1%
Doubles every ~10.1yr
Payout Ratio
14.3%
Safe
Dividend Growth Rate
3yr CAGR
+9.67%
5yr CAGR
+7.1%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$2/mo
In 10 yrs
$3/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$16/yr $1/mo | $23/yr+41% $2/mo | $33/yr+99% $3/mo |
Yield-on-cost grows from 1.65% → 3.27% over 10yr
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 19.3× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 7.1% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.