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Home CompaniesSynchrony Financial

Synchrony Financial

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
74.04 USD 0.30 ( 0.41%)
Last update at 2026-11-09T17:47:00Z
VOLUME
2427233
Market Cap
24747.71M
P/E
7.79

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
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
69.87
Low
74.74
High
52 Week Price Range
62.55
Low
87.67
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
AI Summary

Synchrony Financial issues private-label and co-branded credit cards and provides consumer banking and installment financing through a network of retail and merchant partners. Long-term growth may be supported by expanding digital payments and e-commerce, cross-selling to an existing cardholder base, and an interest-rate-sensitive net interest margin. Investors may find the company attractive for its large scale in private-label lending, broad partner distribution and deposit-funded balance sheet.
Material risks include sensitivity to consumer credit cycles and rising charge-offs, competitive pressure from banks and fintech, partner concentration, and regulatory or funding cost pressures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
73.74
Dividend Yield
1.58%
Revenue TTM
9908.00M
Revenue Per Share
28.48
Gross Profit TTM
9908.00M
Debt / Equity
0.91
ROE
20.79%
Net Debt
209.00M
ROCE
12.18%
Diluted EPS TTM
9.77

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 3552.00M 3499.00M 2238.00M 3016.00M 4221.00M
Selling general administrative 2093.00M 1829.00M 1884.00M 1681.00M 1501.00M
Selling and marketing expenses 511.00M 524.00M 527.00M 487.00M 486.00M
Gross profit 9756.00M 9392.00M 7662.00M 16005.00M 10192.00M
Reconciled depreciation 514.00M 481.00M 458.00M 419.00M 390.00M
Ebit 4621.00M 4553.00M 2904.00M 5441.00M 5503.00M
Ebitda 5135.00M 5034.00M 3362.00M 5860.00M 5893.00M
Depreciation and amortization 514.00M 481.00M 458.00M 419.00M 390.00M
Operating income 4621.00M 4553.00M 2904.00M 5441.00M 5503.00M
Other operating expenses 14495.00M 16206.00M 14434.00M 1319.00M -4689.00M
Interest expense 4135.00M 4634.00M 3711.00M 1521.00M 1032.00M
Tax provision 1069.00M 1054.00M 666.00M 946.00M 1282.00M
Interest income 22601.00M 22645.00M 20710.00M 17146.00M 15271.00M
Net interest income 18466.00M 18011.00M 16999.00M 15625.00M 14239.00M
Income tax expense 1069.00M 1054.00M 666.00M 946.00M 1282.00M
Total revenue 19116.00M 20759.00M 17338.00M 16005.00M 10192.00M
Total operating expenses 5135.00M 4839.00M 4758.00M 1319.00M -4689.00M
Cost of revenue 9360.00M 11367.00M 9676.00M - -
Total other income expense net -2536.00M -3407.00M -759.00M -1479.00M -1032.00M
Net income from continuing ops 3552.00M 3499.00M 2238.00M 3016.00M 4221.00M
Net income applicable to common shares 3469.00M 3427.00M 2196.00M 2974.00M 4221.00M
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 1255.00M 854.00M 815.00M 1287.00M 1168.00M
Earning assets - - - - 9644.00M
Other current assets -14973.00M - -14259.00M 136.00M 4361.00M
Total liab 102329.00M 102883.00M 103576.00M 91691.00M 14507.00M
Total stockholder equity 16766.00M 16580.00M 13903.00M 12873.00M 13655.00M
Other current liab 81144.00M 82062.00M -6125.00M 23.90M 62270.00M
Common stock 1.00M 1.00M 1.00M 1.00M 1.00M
Capital stock 1223.00M 1223.00M 735.00M 735.00M 735.00M
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 8832.00M 8970.00M 87075.00M 74572.00M
Cash 14973.00M 14711.00M 14259.00M 10294.00M 8337.00M
Total current liabilities 81144.00M 82062.00M 4225.00M 7338.90M 4.00M
Current deferred revenue - - 1900.00M - -
Net debt 209.00M 751.00M 1723.00M 3897.00M 6170.00M
Short term debt - 5650.00M 4225.00M 7315.00M 4.00M
Short long term debt total 15182.00M 15462.00M 15982.00M 14191.00M 14507.00M
Other stockholder equity -9007.00M -6219.00M -5426.00M -4453.00M -1256.00M
Total current assets 17321.00M 17790.00M 106676.00M 10218.00M 13620.00M
Long term investments 2348.00M 3079.00M 3799.00M 4879.00M 5283.00M
Net tangible assets - - - 9747.00M 10648.00M
Short term investments 2348.00M 3079.00M 3799.00M 4879.00M 5283.00M
Net receivables - 93792.00M 92417.00M 3.00M 72052.00M
Long term debt 15182.00M 15462.00M 15982.00M 14191.00M 14507.00M
Inventory - - 14259.00M - -
Accounts payable - - 31.00M 5765.00M 62270.00M
Accumulated other comprehensive income -48.00M -59.00M -68.00M -125.00M -69.00M
Common stock total equity - - - 1.00M 1.00M
Preferred stock total equity - - - 734.00M 734.00M
Retained earnings total equity - - - 16716.00M 14245.00M
Treasury stock - - - -14171.00M -10925.00M
Non currrent assets other 5790.00M -5176.00M -3799.00M -7271.00M -7556.00M
Non current assets total 101774.00M 101673.00M 1833.00M 7271.00M 7556.00M
Long term debt total 15182.00M 15462.00M 15982.00M 14191.00M 14507.00M
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 765.00M -8903.00M -14234.00M -9685.00M -4265.00M
Change to liabilities - - - -93.00M 560.00M
Total cashflows from investing activities -4854.00M -8903.00M -14234.00M -10234.00M -4814.00M
Net borrowings -295.00M -536.00M 1777.00M -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 334.00M 3991.00M 1744.00M -2919.00M
Begin period cash flow 14755.00M 14421.00M 10430.00M 8686.00M 11605.00M
End period cash flow 15017.00M 14755.00M 14421.00M 10430.00M 8686.00M
Total cash from operating activities 9851.00M 9848.00M 8593.00M 6694.00M 7099.00M
Issuance of capital stock 0.00M 488.00M 0.00M - 0.00M
Depreciation 514.00M 481.00M 458.00M 419.00M 390.00M
Other cashflows from investing activities -5458.00M -8264.00M -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 1403.00M 9415.00M 14364.00M 29.00M
Change to netincome - - - 2954.00M 945.00M
Capital expenditures 0.00M 0.00M 0.00M 0.00M 0.00M
Change receivables - - - -197.00M 424.00M
Cash flows other operating - - - 595.00M 559.00M
Cash and cash equivalents changes - - - 1744.00M -2919.00M
Change in working capital -161.00M -205.00M -345.00M -269.00M 1021.00M
Stock based compensation - - 5965.00M - 726.00M
Other non cash items 5762.00M 6171.00M 6700.00M 3949.00M 522.00M
Free cash flow 9851.00M 9848.00M 8593.00M 6694.00M 7099.00M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SYF
Synchrony Financial		 0.30
0.41%		 74.04 7.79 7.17 2.50 1.63 2.85
V
Visa Inc. Class A		 -2.19
0.52%		 420.46 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 2.75
0.42%		 655.45 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 3.51
1.09%		 324.50 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -1.43
0.71%		 200.44 11.39 8.75 2.64 1.11 2.76

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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