SYF - Synchrony Financial

SYF

$78.69 +1.06 (+1.37%)

After Hours: $78.69 +0.00 (+0.00%)

Last updated: Apr 22, 2026 21:07

52-Week Range

$78.69

$49.50 $78.69 $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 7.6 PEG 0.35 P/B 1.64 P/S 1.37

Intrinsic value (DCF)

+10.4% upside vs price

Profitability

Net margin 18.1%

Risk (Beta)

1.38 — 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 — 57% confidence Risk: High Volatility — Beta 1.38. Consider smaller position size due to higher beta.

Supporting (Buy):

DCF +10.4% upside vs price · Analyst grade: A · 3M vs Financial Services sector: +5.3%

Pressures (Sell):

Sentiment weakening (3 downgrades) · Beta 1.38 (elevated)

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

Key Stats

Market Cap

$27.35B

P/E (TTM)

7.56

EPS (TTM)

$10.40

Dividend Yield

0.76%

52-Week Range

$49.50 - $88.77

Volume vs Avg

N/A

Beta

1.38

About

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement account...

Sector: Financial Services

Headquarters: US

Employees: 20,000

IPO Date: Jul 2014

Website: www.synchrony.com

Beta: 1.38 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: A. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 5, Hold: 4, Neutral: 7, Outperform: 4, Overweight: 9, 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 $86.85; current price is $78.69. That’s a +10.4% 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)	7.56
DCF value (model)	$86.85 (10.4% upside)
PEG (TTM)	0.35
P/B (TTM)	1.64
P/S (TTM)	1.37
P/FCF (TTM)	2.78
Liquidity & enterprise
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 4Neutral 7Outperform 4Overweight 9Sector Perform 1

2 upgrades, 3 downgrades

Price Target Consensus

Current $78.69

Median $93.00

Consensus $90.73

Low consensus $82.00

High consensus $100.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Barclays	maintain	Overweight	Overweight	2026-04-22
Baird	maintain	Outperform	Outperform	2026-04-22
BTIG	downgrade	Buy	Neutral	2026-04-22
JP Morgan	maintain	Neutral	Neutral	2026-04-09
Wells Fargo	maintain	Overweight	Overweight	2026-04-09
Barclays	maintain	Overweight	Overweight	2026-04-06
Evercore ISI Group	maintain	Outperform	Outperform	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
JP Morgan	maintain	Neutral	Neutral	2026-01-28
RBC Capital	maintain	Sector Perform	Sector Perform	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
BTIG	maintain	Buy	Buy	2025-10-16
Barclays	maintain	Overweight	Overweight	2025-10-16
Wells Fargo	maintain	Overweight	Overweight	2025-10-16
HSBC	upgrade	Hold	Buy	2025-10-10
JP Morgan	downgrade	Overweight	Neutral	2025-10-07
UBS	maintain	Neutral	Neutral	2025-10-07