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Synchrony FinancialSYF

Consumer Finance · Stamford, Connecticut · In the S&P 500
Cheaper than peers
$75.35−2.10%After hours: $75.35 (0.00%)At the close, 30 Oct · Prices from CNBC, may be delayed
▲ 2.9% over 1 year
Synchrony Financial over 1 yearDaily close, $, to 30 Oct 2026
$70$80Nov2026MarMayJulSep$75.35$70$80NovMarJul$75.35
Source: Nasdaq daily closes
Market value$23.46B
Price to earnings7.9x
Forward P/E7.9x
Dividend yield1.80%
Year to date−9.7%
One year+2.9%
Next earningsNot scheduled
SectorFinancials
52-week range (closes)
$63.78$88.47

Quality and valuation

How Synchrony Financial compares with other financials stocks. A description, not a recommendation.

Synchrony Financial and 4 consumer finance peers. Across: valuation (P/E) against the sector. Up: business quality against the sector. Hover or tap a logo for its numbers.

Business quality: weaker than mostValuation: cheaper than most

A weaker business than most financials companies, priced below most of them.

Synchrony Financial trades at 7.9 times the next 12 months of expected earnings, against a median of 13.0x for the 84 financials stocks we cover. The quality score blends where it ranks on revenue growth, gross margin, operating margin and free-cash-flow margin (net margin for banks and insurers) over the last 12 months, from SEC filings.

  • Revenue grew slower than the sector median: +2.6% vs +10.2%
  • Keeps less of its revenue as profit (net margin): 17.3% vs 20.7%
SYF trades at 7.9x forward earnings, below the sector medianForward p/e, Consumer Finance peers
UPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0xUPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0x
Source: CNBC quotes; Mostly Markets
At 7.9x earnings, SYF is cheaper than its average since Oct 2024Price over the last 12 months of reported (GAAP) diluted EPS
P/EUsual range (±1 s.d.)
6xAverage 8.0x202520267.9x6xAverage 8.0x202520267.9x
Source: Nasdaq prices; SEC filings

Financials

From Synchrony Financial's SEC filings, through the quarter ending 30 Sep 2026. Hover or tap a bar for its value.

Revenue grew 1.4% from a year earlierQuarterly revenue, $bn, latest Q3 ’26
$0bn$2bn$4bnQ4 ’24Q2 ’25Q4 ’25$4.9bnQ3 ’26$0bn$2bn$4bnQ4 ’24Q2 ’25Q4 ’25$4.9bnQ3 ’26
Source: SEC filings
Growth slowed to +1.4% last quarterRevenue growth, year on year, %
−10%0%Q4 ’24Q2 ’25Q4 ’251.4%Q3 ’26−10%0%Q4 ’24Q2 ’25Q4 ’251.4%Q3 ’26
Source: SEC filings
Diluted EPS was $2.68 last quarterQuarterly diluted earnings per share, $
$0$1$2Q4 ’24Q2 ’25Q4 ’25$2.68Q3 ’26$0$1$2Q4 ’24Q2 ’25Q4 ’25$2.68Q3 ’26
Source: SEC filings
Last 12 monthsSYFSector median
Revenue growth+2.6%+10.2%
Price to earnings7.9x14.6x

Stories on Synchrony Financial

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Consumer Finance, by market value.

CompanyPriceTodayYTDValue
AXPAmerican Express$319.11−1.42%−13.7%$214B
COFCapital One$204.85−1.86%−15.5%$123B
SOFISoFi Technologies$16.76−4.83%−36.0%$21.73B
UPSTUpstart$23.02−7.33%−47.4%$2.24B