Company Profile

SYF insider trades (13 months) →

Today's multi-factor rank: 162 of 466 · see the ranking

Quant500 Scores

Momentum

4.5/10

Value

7.0/10

Growth

4.4/10

Quality

4.6/10

Multifactor

5.1/10

Market and Valuation

Price & Market

Prev Close Price:$74.41

Open:$74.25

Day's Low:$73.81

Day's High:$75.34

Bid / Ask:-

Market Cap:24.42B

Enterprise Value:26.37B

52-Week Range

52-Week Low:$63.08

52-Week High:$88.77

Current position in 52-week range

52w Low-52w High

50-Day Avg:$76.86

200-Day Avg:$75.16

Volume

Volume Today:6,889,040

Avg Volume (3m):3,431,277

Avg Volume (10d):2,620,570

52-Week Change:-2.85%

vs S&P 500, 52 weeks:-

Beta:1.31

Valuation Multiples

PER Trailing:7.63

PER Forward:7.15

PEG Ratio:0.93

Price / Book:1.61

Price / Sales (TTM):2.46

EV / Revenue:2.66

EV / EBITDA:-

Dividends

Current yield:1.83%

Annual Dividend Rate:$1.36

Dividend Trailing:$1.20

Yield Trailing:1.61%

5-Year Avg Yield:2.16%

Payout Ratio:12.31%

Last Ex-Dividend Date:-

Valuation Context

P/E vs sector (indicative)

Most Recent Quarter:-

Fiscal Year (Next):-

Date Filter (Month):

Loading historical OHLCV database...

Financial Statements TTM (Trailing 12 Months)

Income Statement

Total Revenue (TTM):9.91B

Gross Profit:9.91B

EBITDA:-

Net Income (TTM):3.44B

Rev Growth (YoY):+0.60%

Earnings Growth (YoY):+3.60%

Quarterly earnings growth (YoY):-8.50%

Margins

Gross Margin:-

EBITDA Margin:-

Operating Margin:-

Net Margin:-

Per Share

EPS Trailing (TTM):-

EPS Forward (Est.):$10.50

Revenue Per Share:$28.48

Cash Per Share:-

Book Value:$46.71

Last Dividend:-

Ex-Dividend Date:-

Last Split:-

Balance Sheet & Liquidity

Total cash:16.19B

Total Debt:16.43B

Net Debt (Debt - Cash):239.00M

Debt / Equity:-

Current Ratio:-

Quick Ratio:-

Cash Flows

Operating Cash Flow:9.69B

Free Cash Flow (FCF):-

FCF Yield (FCF / Market Cap):-

Enterprise Value:26.37B

EV / Revenue:2.66

EV / EBITDA:-

Profitability

ROE (Return on Equity):20.79%

ROA (Return on Assets):2.90%

PER Trailing:7.63

PER Forward:7.15

Price / Book:1.61

PEG Ratio:0.93

52-Week Change:-2.85%

S&P 500 change, 52 weeks:+14.80%

Historical Evolution (Last 4 Years)

Income Statement

Balance Sheet

Cash Flow

EPS and Earnings Per Share

Key EPS Metrics

EPS Trailing (TTM):$9.83

EPS Forward (Est.):$10.50

PER Forward:-

PEG Ratio:0.93

Growth and Margins

Earnings Growth YoY:-

Quarterly Earnings Growth YoY:-

Rev Growth YoY:-

Net Margin:-

Gross Margin:-

EBITDA Margin:-

Per Share

Revenue Per Share:$28.48

Cash Per Share:-

Book Value:$46.71

Cash Flows (TTM)

Free Cash Flow:-

Operating Cash Flow:9.69B

EBITDA:-

Total Revenue (TTM):9.91B

Net Income (TTM):3.44B

Fiscal Year (Last):-

EPS Surprise History - Last 4 Quarters

Actual vs. Analyst Estimates · Green = beat expectations · Red = missed

Quarter	Period	Actual EPS	Estimated EPS	Difference	Surprise %	Currency

Ownership Structure

Ownership Distribution

% Insiders:-

% Institutional:-

% Inst. (of Float):-

No. of Institutions:-

Visual distribution

InsidersInstitutionalFree Float

Shares & Short Interest

Shares Outstanding:325,370,840

Float (free shares):323,122,527

Short interest (shares):17,840,145

Short % of float:-

Short Ratio (days to cover):5.59

Short interest, prior month:-

Short Interest Date:-

Governance Score (1=Best, 10=Worst)

Overall risk:-

Audit Risk:-

Board risk:-

Compensation Risk:-

Shareholder rights risk:-

Top Institutional Holders

Position Change: ▲ Increased · ▼ Reduced · = Unchanged

Organization	Report Date	% Shares	No. Shares	Value (USD)	Change %

Top Mutual Funds

Position Change: ▲ Increased ▼ Decreased = Unchanged

Fund	Report Date	% Shares	No. Shares	Value (USD)	Change %

Recent Insider Trades

Executive / Insider	Title	Date	Action	Shares

Options Chain

Expiration Date:

CALLS

Strike	Last	Bid	Ask	Vol.	O.I.	IV

PUTS

Strike	Last	Bid	Ask	Vol.	O.I.	IV

Synchrony Financial (SYF) SEC filings: 10-K, 10-Q and 8-K

Direct links to financial reports filed with the SEC.

Type	Date	Official link
8-K	2026-09-14	View filing ↗
8-K	2026-08-17	View filing ↗
8-K	2026-07-31	View filing ↗
10-Q	2026-07-23	View filing ↗
8-K	2026-07-21	View filing ↗
8-K	2026-06-29	View filing ↗
8-K	2026-06-25	View filing ↗
8-K	2026-06-09	View filing ↗
8-K	2026-06-05	View filing ↗
8-K	2026-05-15	View filing ↗

Company and Executive Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

General Information

Headquarters:United States

City:Stamford

Employees:20,000

Sector:Financial Services

Industry:Credit Services

Website:-

Key Executives

Name	Title	Age	Total pay
Mr. Brian D. Doubles	President, CEO & Director	49	5.44M
Mr. Brian J. Wenzel Sr.	Executive VP & CFO	57	2.44M
Mr. Jonathan S. Mothner Esq., J.D.	Executive VP and Chief Risk & Legal Officer	61	2.18M
Ms. Carol D. Juel	Executive VP & CEO of Digital Platform	52	2.16M
Mr. Curtis Howse	Executive VP and CEO of Home & Auto	61	1.82M
Mr. D.J. Casto	Executive VP and Chief People & Operations Officer	-	-
Ms. Amy L. Tiliakos	Senior VP, Chief Accounting Officer & Controller	42	-
Mr. Florin Arghirescu	Executive VP & CTO	-	-

You have seen the engine room

Few finance sites let you get this far, and none we know of also shows you where its knowledge ends. If this way of working convinces you, the thing almost nobody catches in time can reach you by email: the big insider buys — executives and major shareholders putting in their own money — the same day they report them to the SEC, with the Form 4 linked. It takes three steps and none of them costs anything: create the account, confirm the email we send you, then switch the alert on in your profile (the icon at the top right). It starts off and it goes off again with the same click. Along the way all three are saved: your simulator portfolios, your personal portfolio and your Academy progress, synced across devices.

No card. No spam.

Synchrony Financial (SYF): Quantitative Analysis

Name: Factor scores for Synchrony Financial (SYF)
Creator: Quant500
License: https://quant500.com/legal

Synchrony Financial (SYF) — Financial Services — Credit Services. SYF is in the S&P 500 today. Model factor scores and market data, recalculated every trading day.

So far in 2026, SYF has returned −8.9% against +12.2% for the S&P 500 (SPY): total return, dividends included on both sides, from Dec 31, 2025 to Sep 18, 2026.

SYF ranks 162 of 466 on today's multifactor score, and 27 of the 57 Financial Services companies that score. Its strongest factor is value (Z 1.23, ranked 26 of 494); its weakest is growth (Z -0.36, ranked 368 of 494). Each factor ranks only the companies with data for it, and the multifactor score only those with all four: that is why the totals differ.

Factor scores

The Z-Score is how many standard deviations the company sits from the index average: 0 is average, positive is better than average, negative is worse.

Factor	Z-Score	Rank
Multifactor	0.080	162 of 466 ↓9
Momentum	-0.293	283 of 497 ↓6
Value	1.229	26 of 494 =
Quality	-0.259	306 of 473 =
Growth	-0.358	368 of 494 =

Market data

Metric	Value
Price	$75.04
Market Cap	24.42B
P/E	7.63
Revenue (last 12 months)	9.91B
Price / book	1.61
Book value per share	$46.71
52-week range	$63.08 – $88.77
Dividend yield	1.83%
Beta	1.31
Average volume	3,431,277
Shares outstanding	325.37M
Short interest (% of float)	7.29% (as of Aug 31, 2026)

When does SYF report earnings? 12 of its last 12, before the open →

What are SYF insiders doing? 205 transactions filed with the SEC, of them 28 sells, the last one on Aug 17, 2026 →

Data as of Sep 18, 2026. Source: point-in-time SEC fundamentals and closing prices. Method and formulas are on the home page.

Company Profile

Market and Valuation

Price & Market

52-Week Range

Volume

Valuation Multiples

Dividends

Valuation Context

Financial Statements TTM (Trailing 12 Months)

Income Statement

Margins

Per Share

Balance Sheet & Liquidity

Cash Flows

Profitability

Historical Evolution (Last 4 Years)

Income Statement

Balance Sheet

Cash Flow

EPS and Earnings Per Share

Key EPS Metrics

Growth and Margins

Per Share

Cash Flows (TTM)

EPS Surprise History - Last 4 Quarters

Ownership Structure

Ownership Distribution

Shares & Short Interest

Governance Score (1=Best, 10=Worst)

Top Institutional Holders

Top Mutual Funds

Recent Insider Trades

Options Chain

CALLS

PUTS

Sentiment Metrics

Expected move

Synchrony Financial (SYF) SEC filings: 10-K, 10-Q and 8-K

Company and Executive Profile

General Information

Key Executives

You have seen the engine room

Synchrony Financial (SYF): Quantitative Analysis

Factor scores

Market data