SYF - Synchrony Financial

SYF

$73.21 +0.00 (+0.00%)

Pre-Market: $73.68 +0.47 (+0.64%)

Last updated: Jul 15, 2026 09:13

52-Week Range

$73.68

$63.08 $73.68 $88.77

Fundamentals Overview

Synchrony Financial is in the middle of its 52-week range with attractive valuation, trading relatively flat today.

Valuation attractive

P/E 7.1 PEG 0.33 P/B 1.53 P/S 1.24

Intrinsic value (DCF)

+16.2% upside vs price

Profitability

Net margin 18.1%

Risk (Beta)

1.31 — higher vol

Earnings & growth

EPS $10.40 Rev +17.6% Profit +7.2% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 55% confidence Risk: High Volatility — Beta 1.31. Consider smaller position size due to higher beta.

Supporting (Buy):

DCF +16.2% upside vs price · Analyst grade: A

Pressures (Sell):

Sentiment weakening (2 downgrades) · 3M vs S&P 500: -9.7% · 3M vs Financial Services sector: -8.9% · Beta 1.31 (elevated)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$24.78B

P/E (TTM)

7.08

EPS (TTM)

$10.40

Dividend Yield

1.63%

52-Week Range

$63.08 - $88.77

Volume vs Avg

N/A

Beta

1.31

About

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 de...

Sector: Financial Services

Headquarters: US

Employees: 20,000

IPO Date: Jul 2014

Website: www.synchrony.com

Beta: 1.31 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: A. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 5, Hold: 5, Neutral: 7, Outperform: 4, Overweight: 8, Sector Perform: 1.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $85.60; current price is $73.68. That’s a +16.2% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	7.08
DCF value (model)	$85.60 (16.2% upside)
PEG (TTM)	0.33
P/B (TTM)	1.53
P/S (TTM)	1.24
P/FCF (TTM)	2.52
Liquidity & enterprise
Current Ratio (TTM)	1.33
Quick Ratio (TTM)	1.33
Cash Ratio (TTM)	0.25
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	18.08%
Gross margin (TTM)	61.08%
Operating margin (TTM)	22.85%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for SYF.

Analyst Sentiment at a Glance

A Sentiment Weakening

Buy 5Hold 5Neutral 7Outperform 4Overweight 8Sector Perform 1

1 upgrade, 2 downgrades

Price Target Consensus

Current $73.68

Median $84.50

Consensus $87.90

Low consensus $81.00

High consensus $97.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
HSBC	maintain	Buy	Buy	2026-07-13
JP Morgan	maintain	Neutral	Neutral	2026-07-13
TD Cowen	maintain	Buy	Buy	2026-07-07
UBS	maintain	Neutral	Neutral	2026-07-07
Truist Securities	maintain	Hold	Hold	2026-04-23
BTIG	downgrade	Buy	Neutral	2026-04-22
Barclays	maintain	Overweight	Overweight	2026-04-22
Baird	maintain	Outperform	Outperform	2026-04-22
Wells Fargo	maintain	Overweight	Overweight	2026-04-09
JP Morgan	maintain	Neutral	Neutral	2026-04-09
Evercore ISI Group	maintain	Outperform	Outperform	2026-04-06
Barclays	maintain	Overweight	Overweight	2026-04-06
Truist Securities	maintain	Hold	Hold	2026-03-23
BTIG	maintain	Buy	Buy	2026-03-11
Baird	upgrade	Neutral	Outperform	2026-02-13
Truist Securities	maintain	Hold	Hold	2026-01-29
RBC Capital	maintain	Sector Perform	Sector Perform	2026-01-28
JP Morgan	maintain	Neutral	Neutral	2026-01-28
Barclays	maintain	Overweight	Overweight	2026-01-28
BTIG	maintain	Buy	Buy	2026-01-28
JP Morgan	maintain	Neutral	Neutral	2026-01-12
TD Cowen	maintain	Buy	Buy	2026-01-08
Barclays	maintain	Overweight	Overweight	2026-01-06
Wells Fargo	maintain	Overweight	Overweight	2026-01-05
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2026-01-02
Truist Securities	maintain	Hold	Hold	2025-12-22
Wells Fargo	maintain	Overweight	Overweight	2025-12-17
Baird	downgrade	Outperform	Neutral	2025-12-05
Truist Securities	maintain	Hold	Hold	2025-10-17
Wells Fargo	maintain	Overweight	Overweight	2025-10-16