Company Profile: Synchrony Financial (SYF)

SYF insider trades (13 months) →

$75.18 −2.13% vs. previous close · Market cap $24.46B

Today's multi-factor rank: 191 of 461 · see the ranking

Quant500 Scores

Momentum

4.3/10

Value

7.1/10

Growth

4.3/10

Quality

4.5/10

Multifactor

5.0/10

Market and Valuation

Price & Market

Prev Close Price:$76.82

Open:$77.05

Day's Low:$74.88

Day's High:$77.07

Bid / Ask:-

Market Cap:24.46B

Enterprise Value:26.76B

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:$74.97

200-Day Avg:$73.60

Volume

Volume Today:4,139,895

Avg Volume (3m):3,186,171

Avg Volume (10d):3,733,500

52-Week Change:+4.80%

vs S&P 500, 52 weeks:-

Beta:1.40

Valuation Multiples

P/E (trailing):7.83

Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 22, 2026. The P/E is the price divided by that EPS.

P/E (forward):7.17

PEG Ratio:0.95

Price / Book:1.58

Price / Sales (TTM):2.50

EV / Revenue:2.74

EV / EBITDA:-

Dividends

Current yield:1.77%

Annual Dividend Rate:$1.36

Dividend Trailing:$1.24

Yield Trailing:1.61%

5-Year Avg Yield:2.03%

Payout Ratio:12.94%

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):9.78B

Gross Profit:9.78B

EBITDA:-

Net Income (TTM):3.24B

Rev Growth (YoY):-4.70%

Earnings Growth (YoY):-6.30%

Quarterly earnings growth (YoY):-17.20%

Margins

Gross Margin:-

EBITDA Margin:-

Operating Margin:-

Net Margin:-

Per Share

EPS Trailing (TTM):$9.60

Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 22, 2026. The P/E is the price divided by that EPS.

EPS Forward (Est.):$10.48

Revenue Per Share:$29.10

Cash Per Share:-

Book Value:$47.70

Last Dividend:-

Ex-Dividend Date:-

Last Split:-

Balance Sheet & Liquidity

Total cash:15.90B

Total Debt:17.03B

Net Debt (Debt - Cash):1.12B

Debt / Equity:-

Current Ratio:-

Quick Ratio:-

Cash Flows

Operating Cash Flow:9.56B

Free Cash Flow (FCF):-

FCF Yield (FCF / Market Cap):-

Enterprise Value:26.76B

EV / Revenue:2.74

EV / EBITDA:-

Profitability

ROE (Return on Equity):19.83%

ROA (Return on Assets):2.78%

P/E (trailing):7.83

P/E (forward):7.17

Price / Book:1.58

PEG Ratio:0.95

52-Week Change:+4.80%

S&P 500 change, 52 weeks:+11.37%

Historical Evolution (Last 4 Years)

Income Statement

Balance Sheet

Cash Flow

EPS and Earnings Per Share

Key EPS Metrics

EPS Trailing (TTM):$9.60

Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 22, 2026. The P/E is the price divided by that EPS.

EPS Forward (Est.):$10.48

P/E (forward):7.17

PEG Ratio:0.95

Growth and Margins

Earnings Growth YoY:-

Quarterly Earnings Growth YoY:-

Rev Growth YoY:-

Net Margin:-

Gross Margin:-

EBITDA Margin:-

Per Share

Revenue Per Share:$29.10

Cash Per Share:-

Book Value:$47.70

Cash Flows (TTM)

Free Cash Flow:-

Operating Cash Flow:9.56B

EBITDA:-

Total Revenue (TTM):9.78B

Net Income (TTM):3.24B

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):309,150,283

Short interest (shares):16,434,441

Short % of float:-

Short Ratio (days to cover):5.38

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
10-Q	2026-10-22	View filing ↗
8-K	2026-10-20	View filing ↗
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 ↗

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	-	-

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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 −8.8% against +11.4% for the S&P 500 (SPY): total return, dividends included on both sides, from Dec 31, 2025 to Nov 3, 2026.

SYF ranks 191 of 461 on today's multifactor score, and 31 of the 58 Financial Services companies that score. Its strongest factor is value (Z 1.26, ranked 28 of 489); its weakest is growth (Z -0.44, ranked 397 of 489). 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	0.015	191 of 461
Momentum	-0.438	318 of 494 ↓12
Value	1.264	28 of 489 ↑1
Quality	-0.322	333 of 468
Growth	-0.442	397 of 489

Market data

Metric	Value
Price	$75.18
Market Cap	24.46B
P/E	7.83
Revenue (last 12 months)	9.78B
Price / book	1.58
Book value per share	$47.70
52-week range	$63.08 – $88.77
Dividend yield	1.77%
Beta	1.40
Average volume	3,186,171
Shares outstanding	325.37M
Short interest (% of float)	6.72% (as of Oct 15, 2026)

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

What are SYF insiders doing? 216 transactions filed with the SEC, of them 28 sells, the last one on Sep 30, 2026 →

SYF latest SEC filings

Annual report (10-K): filed Feb 6, 2026, fiscal year ended Dec 31, 2025 · view the filing on sec.gov
Quarterly report (10-Q): filed Oct 22, 2026, quarter ended Sep 30, 2026 · view the filing on sec.gov
Earnings release (8-K): Oct 20, 2026, before the open · view the 8-K on sec.gov

Filing dates on EDGAR, the SEC's public registry. All SYF filings on EDGAR.

Guides: How to read a Quant500 company page · What the S&P 500 is · P/E ratio explained · 10-K, 10-Q and 8-K · all guides

Frequently asked questions about Synchrony Financial (SYF)

When does Synchrony Financial report earnings?

Synchrony Financial has no announced date in the Nasdaq public calendar checked (Nov 3, 2026 to Dec 7, 2026). Of its last 12 earnings announcements: 12 before the open (SEC filings through Oct 20, 2026). SYF earnings dates and times, quarter by quarter →

What is Synchrony Financial's P/E ratio?

Synchrony Financial's P/E (price over earnings per share for the last twelve months) is 7.8 at the Nov 3, 2026 close. That EPS is the 12-month diluted figure from the SEC, the four quarters ended Sep 30, 2026. The median of the 68 Financial Services companies with a P/E is 14.2, and the S&P 500's, 23.5: Synchrony Financial is below its sector median. Financial Services stocks, company by company →

Where does Synchrony Financial rank on Quant500?

In the Nov 3, 2026 multi-factor ranking, Synchrony Financial ranks 191 of 461, and 31 of the 58 Financial Services companies that score. The ranking orders S&P 500 companies by the average of four factors (momentum, value, quality and growth) and is recalculated every trading day. It is a model output, not investment advice. The full ranking → How it is calculated →

Have Synchrony Financial insiders bought or sold shares?

SEC Form 4 shows no open-market purchase of Synchrony Financial shares from August 2025 through Nov 3, 2026. The latest sale was on Aug 13, 2026, by an officer, for $436k. In total, from August 2025 through Nov 3, 2026: 0 purchases and 28 sales by directors, officers and large shareholders. All SYF insider trades →

Does Synchrony Financial pay a dividend?

Yes. Its dividend yield is 1.77% at the Nov 3, 2026 close (annual dividend of $1.36 per share). The next announced ex-dividend date is Nov 5, 2026.

What sector is Synchrony Financial in, and which index?

Synchrony Financial is classified in the Financial Services sector (industry: Credit Services), per the data provider's classification (similar to GICS, not identical). It is in the S&P 500 today. It is one of the 70 S&P 500 companies in that sector. Financial Services stocks →

What is behind these numbers

The concepts on this page, explained from scratch in the Academy. Free, no account.

Valuation multiples: P/E, P/B, EV/EBITDA and their trapsWhy the P/E and the price-to-book in the table above cannot be compared across sectors, and what a low P/E can hide.
Value and momentum: the two that have survived bestWhat the value and momentum scores on this page actually measure, and why they are the two factors that have best survived scrutiny.
Quality and low volatilityWhere the quality score comes from, and why it is the factor with the most competing definitions, all of them called the same thing.
Sales growth: the driver that gets overestimated mostWhat sits behind the growth score and the twelve-month revenue, and why it is the number people extrapolate too far most often.
Dividends and payout: high is not always goodThis company pays a dividend and its yield is in the table above: when a high figure is good news and when it is a warning.

The whole Academy, course by course →

Data as of Nov 3, 2026. Source: point-in-time SEC fundamentals and closing prices. Method and formulas are on the home page.

Company Profile: Synchrony Financial (SYF)

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

SYF latest SEC filings

Frequently asked questions about Synchrony Financial (SYF)

When does Synchrony Financial report earnings?

What is Synchrony Financial's P/E ratio?

Where does Synchrony Financial rank on Quant500?

Have Synchrony Financial insiders bought or sold shares?

Does Synchrony Financial pay a dividend?

What sector is Synchrony Financial in, and which index?

What is behind these numbers