Price Alert

Synchrony Financial (SYF)

NYSE: SYF · Real-Time Price · USD

72.83

0.24 (0.33%)

At close: Aug 14, 2025, 3:59 PM

73.00

0.23%

Pre-market: Aug 15, 2025, 09:12 AM EDT

Synchrony Financial Statistics

Share Statistics

Synchrony Financial has 372.06M shares outstanding. The number of shares has increased by -3.69% in one year.

Shares Outstanding	372.06M
Shares Change (YoY)	-3.69%
Shares Change (QoQ)	-2.08%
Owned by Institutions (%)	91.82%
Shares Floating	370.36M
Failed to Deliver (FTD) Shares	4
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 13.76M, so 3.7% of the outstanding shares have been sold short.

Short Interest	13.76M
Short % of Shares Out	3.7%
Short % of Float	5.03%
Short Ratio (days to cover)	4.46

Valuation Ratios

The PE ratio is 7.37 and the forward PE ratio is 7.56. Synchrony Financial's PEG ratio is 0.11.

PE Ratio	7.37
Forward PE	7.56
PS Ratio	1.07
Forward PS	1.6
PB Ratio	1.55
P/FCF Ratio	2.62
PEG Ratio	0.11

Financial Ratio History

Enterprise Valuation

Synchrony Financial has an Enterprise Value (EV) of 26.52B.

EV / Sales	1.1
EV / EBITDA	2.74
EV / EBIT	2.69
EV / FCF	2.69

Financial Position

The company has a current ratio of 0.22, with a Debt / Equity ratio of 0.93.

Current Ratio	0.22
Quick Ratio	0.22
Debt / Equity	0.93
Debt / EBITDA	1.6
Debt / FCF	1.57
Interest Coverage	1.72

Financial Efficiency

Return on Equity is 21.1% and Return on Invested Capital is 16.36%.

Return on Equity	21.1%
Return on Assets	2.93%
Return on Invested Capital	16.36%
Revenue Per Employee	$1.21M
Profits Per Employee	$174.95K
Employee Count	20,000
Asset Turnover	0.2
Inventory Turnover	n/a

Taxes

Income Tax	1.05B
Effective Tax Rate	23.15%

Stock Price Statistics

The stock price has increased by 52.49% in the last 52 weeks. The beta is 1.48, so Synchrony Financial's price volatility has been higher than the market average.

Beta	1.48
52-Week Price Change	52.49%
50-Day Moving Average	66.24
200-Day Moving Average	61.6
Relative Strength Index (RSI)	52.04
Average Volume (20 Days)	3,525,164

Income Statement

In the last 12 months, Synchrony Financial had revenue of 24.17B and earned 3.5B in profits. Earnings per share was 8.64.

Revenue	24.17B
Gross Profit	12.8B
Operating Income	7.96B
Net Income	3.5B
EBITDA	9.67B
EBIT	9.19B
Earnings Per Share (EPS)	8.64

Full Income Statement

Balance Sheet

The company has 14.71B in cash and 15.46B in debt, giving a net cash position of -751M.

Cash & Cash Equivalents	14.71B
Total Debt	15.46B
Net Cash	-751M
Retained Earnings	21.64B
Total Assets	120.5B
Working Capital	-59.9B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 9.85B and capital expenditures 0, giving a free cash flow of 9.85B.

Operating Cash Flow	9.85B
Capital Expenditures	n/a
Free Cash Flow	9.85B
FCF Per Share	24.84

Full Cash Flow Statement

Margins

Gross margin is 52.96%, with operating and profit margins of 32.94% and 14.48%.

Gross Margin	52.96%
Operating Margin	32.94%
Pretax Margin	18.84%
Profit Margin	14.48%
EBITDA Margin	40.01%
EBIT Margin	32.94%
FCF Margin	40.75%

Dividends & Yields

SYF pays an annual dividend of $1.35, which amounts to a dividend yield of 1.57%.

Dividend Per Share	$1.35
Dividend Yield	1.57%
Dividend Growth (YoY)	0%
Payout Ratio	16.65%
Earnings Yield	13.58%
FCF Yield	38.21%

Dividend Details

Analyst Forecast

The average price target for SYF is $76.5, which is 9.9% higher than the current price. The consensus rating is "Buy".

Price Target	$76.5
Price Target Difference	9.9%
Analyst Consensus	Buy
Analyst Count	27

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$216
Lynch Upside	210.3%
Graham Number	91.12
Graham Upside	30.9%

Scores

Altman Z-Score	0.23
Piotroski F-Score	7