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Home CompaniesSynchrony Financial

Synchrony Financial

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Company price
75.6 GBX 2.34 ( 3.20%)
Last update at 2026-10-27T16:34:00Z
VOLUME
46
Market Cap
4847093.35M
P/E
0.09

Momentum Score

…

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.

Source: TradingView
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Day Price Range
73.58
Low
75.70
High
52 Week Price Range
44.12
Low
89.63
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
73.26
Dividend Yield
1.59%
Revenue TTM
9756.00M
Revenue Per Share
26.38
Gross Profit TTM
9756.00M
Debt / Equity
0.91
ROE
21.30%
Net Debt
209.00M
ROCE
4.64%
Diluted EPS TTM
7.39

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 4621.00M 4553.00M 2904.00M 3962.00M 5503.00M
Net income 3469.00M 3499.00M 2238.00M 2974.00M 4179.00M
Selling general administrative - 1739.00M 1554.00M 1455.00M 1332.00M
Selling and marketing expenses - 524.00M 527.00M 487.00M 486.00M
Gross profit 15060.00M 16629.00M 7662.00M 8299.00M 9466.00M
Ebit 5426.00M 5381.00M 3663.00M 3920.00M 5461.00M
Ebitda 5789.00M 5705.00M 3957.00M -215.00M -146.00M
Depreciation and amortization 363.00M 324.00M 294.00M -4135.00M -5607.00M
Operating income 5426.00M 5381.00M 3740.00M 4135.00M 5607.00M
Other operating expenses 13690.00M 15378.00M 3922.00M 4337.00M 3963.00M
Interest expense 805.00M - 759.00M - 0.00M
Tax provision - - - - 1282.00M
Net interest income - - - - 14239.00M
Income tax expense 1069.00M 1054.00M 666.00M 946.00M 1282.00M
Total revenue 19116.00M 20759.00M 7662.00M 8299.00M 9466.00M
Total operating expenses 9634.00M 11248.00M 3922.00M 4337.00M 3963.00M
Cost of revenue 4056.00M 4130.00M 3246.00M - -
Total other income expense net -805.00M -828.00M -759.00M -173.00M -104.00M
Net income applicable to common shares - - - 2974.00M 4179.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 119095.00M 119463.00M 117479.00M 104564.00M 95748.00M
Intangible assets 2618.00M 854.00M 815.00M 1287.00M 1168.00M
Earning assets - - - - 9644.00M
Other current assets -14973.00M -14711.00M -14259.00M 136.00M 4710.00M
Total liab 102329.00M 102883.00M 103576.00M 91691.00M 82093.00M
Total stockholder equity 16766.00M 16580.00M 13903.00M 12873.00M 13655.00M
Other current liab 6003.00M -5650.00M -1900.00M - -
Common stock 1.00M 1.00M 1.00M 1.00M 1.00M
Retained earnings 24598.00M 21635.00M 18662.00M 16716.00M 14245.00M
Other liab - - - 163.00M 228.00M
Good will 1363.00M 1274.00M 1018.00M 1105.00M 1105.00M
Other assets 119095.00M 119463.00M -113254.00M 91878.00M 85138.00M
Cash 14973.00M 14711.00M 14259.00M 10294.00M 8337.00M
Total current liabilities 2250.00M - 4256.00M 5602.00M 5088.00M
Current deferred revenue - - 1900.00M - -
Net debt 209.00M 751.00M 1723.00M -10294.00M -8337.00M
Short term debt 2250.00M 5650.00M 4225.00M - -
Short long term debt total 15182.00M 15462.00M 15982.00M - 14507.00M
Other stockholder equity -9007.00M -6219.00M -5426.00M -4578.00M -1325.00M
Total current assets 14973.00M - 14259.00M 10294.00M 8337.00M
Net tangible assets - - - 9747.00M 10648.00M
Short term investments - - 3799.00M - -
Net receivables - - 92417.00M - -
Long term debt - - - - 14507.00M
Inventory - - -78158.00M - -
Accounts payable - - 31.00M 71735.00M 62270.00M
Accumulated other comprehensive income -48.00M -59.00M -68.00M - -
Treasury stock - - - - -10925.00M
Non currrent assets other 4887.00M 117335.00M 97543.00M -2392.00M -2273.00M
Non current assets total 104122.00M 119463.00M 103220.00M 2392.00M 2273.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - - - 118.00M 2090.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -4854.00M -8903.00M -14234.00M -10234.00M -4814.00M
Net borrowings - - - -329.00M -1281.00M
Total cash from financing activities -4735.00M -611.00M 9632.00M 5284.00M -5204.00M
Change to operating activities - - - -72.00M 597.00M
Net income 3552.00M 3499.00M 2238.00M 3016.00M 4221.00M
Change in cash 262.00M 452.00M 3991.00M 1744.00M -2919.00M
Begin period cash flow 14711.00M 14259.00M 10430.00M 8686.00M 11605.00M
End period cash flow 14973.00M 14711.00M 14421.00M 10430.00M 8686.00M
Total cash from operating activities 9851.00M 9848.00M 8593.00M 6694.00M 7099.00M
Depreciation 363.00M 324.00M 458.00M 419.00M 340.00M
Other cashflows from investing activities -5458.00M -7773.00M -15622.00M -549.00M -549.00M
Dividends paid 510.00M 470.00M 448.00M 476.00M 542.00M
Change to account receivables -598.00M 33.00M -645.00M -197.00M 424.00M
Sale purchase of stock -2941.00M -1008.00M -1112.00M -3320.00M -2876.00M
Other cashflows from financing activities -989.00M 915.00M 9415.00M 14364.00M 2600.00M
Change to netincome - - - 3528.00M 1467.00M
Capital expenditures 0.00M 0.00M 0.00M 0.00M 0.00M
Change in working capital 376.00M 302.00M -345.00M -197.00M 424.00M
Stock based compensation - - -1233.00M - -
Other non cash items 5560.00M 5723.00M 6242.00M 3456.00M 2114.00M
Free cash flow 9851.00M 9848.00M 8593.00M 6694.00M 7099.00M

Peer Comparison*

Sector: Industry:

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
0LC3
Synchrony Financial		 2.34
3.20%		 75.60 0.09 - 4.97 -
0R15
SoftBank Group Corp.		 248.00
5.84%		 4494.00 - - - -
0R1E
Nintendo Co. Ltd.		 -115.00
1.34%		 8476.00 - - - -
0HQP
CBRE Group Inc. Cl A		 0.15
0.12%		 122.47 0.25 - 1.18 -
0P4F
Ford Motor Company		 0.09
0.78%		 11.70 0.10 7.66 0.25 1.29

Profile*

Synchrony Financial

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.

777 Long Ridge Road, Stamford, CT, United States, 06902

203 585 2400

https://www.synchrony.com

20000

Name Title Year Born
Ms. Margaret M. Keane Exec. Chair of the Board 1959
Mr. Brian D. Doubles Pres, CEO & Director 1976
Mr. Brian J. Wenzel Sr. Exec. VP & CFO 1968
Ms. Carol D. Juel Exec. VP & Chief Technology and Operating Officer 1973
Mr. Thomas M. Quindlen Exec. VP and CEO of Diversified, Value & Lifestyle Platforms 1962
Mr. Alberto Casellas Exec. VP and CEO of Health & Wellness 1967
Mr. David P. Melito Sr. VP, Chief Accounting Officer & Controller 1966
Ms. Kathryn Harmon Miller Sr. VP of Investor Relations NA
Mr. Jonathan S. Mothner Esq. Exec. VP, Gen. Counsel & Sec. 1964
Ms. Trish Mosconi EVP, Chief Strategy Officer & Corp. Devel. Leader NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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