Synchrony Financial
SYFNYSE · SIC 6199
$73.62
↓ -0.9%Jul 17 close · end-of-day
Price
1Y↑ +8.0%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$25.5B
Enterprise Value
$21.3B
P/E
7.6
P/S
—
P/B
1.5
EV/EBITDA
—
PEG
0.5
FCF Yield
—
Dividend Yield
1.6%
Revenue (TTM)
—
Net Income (TTM)
$3.6B
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
21.9%
ROIC
—
Debt / Equity
1.0
Net Cash
$4.1B
Return 1Y
+6.6%
Company profile
Synchrony Financial provides credit products, such as credit cards, commercial credit products and consumer installment loans. The company also offers healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands. It serves digital, health and wellness, retail, home, auto, and other industries.
- CEO
- Brian D. Doubles
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 18,500
- Headquarters
- Connecticut
- Website
- synchrony.com
Management & directors
- Casellas AlbertoSee remarks
- Doubles Brian DSee remarks
- Gentleman CourtneySee remarks
- Howse CurtisSee remarks
- Juel CarolSee remarks
- Mothner Jonathan SSee remarks
- Owens DarrellSee remarks
- Schaller BartSee remarks
- Tiliakos AmySee remarks
- Wenzel Brian J. Sr.See remarks
Roles derived from SEC Form 4 filings.
Earnings
Next earnings · estimated2026-07-21
SYF Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$2.27↑ +20.1%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $1.4B | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Diluted EPS | $2.27 | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Operating cash flow | $7.5B | $7.1B | $6.7B | $8.6B | $9.8B | $9.9B |
| Free cash flow | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q3 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q3 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $643.0M | $789.0M | $774.0M | $757.0M | $967.0M | $1.1B | $751.0M | $805.0M |
| Diluted EPS | $1.55 | $1.94 | $1.92 | $1.89 | $2.50 | $2.86 | $2.03 | $2.27 |
| Operating cash flow | $2.5B | $2.8B | $2.4B | $2.2B | $2.6B | $2.6B | $2.5B | $2.2B |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 20, 2026
Jul 16, 2026
Jul 14, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-30 | NAYLOR JEFFREY G | Award | 1,200 | $76.05 | $91,260.00 | filing |
| 2026-06-30 | Alves Paget Leonard | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | ELLINGER DEBORAH G | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | AGUIRRE FERNANDO | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | COLAO DANIEL O | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | Zane Ellen M | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | Chytil Kamila K | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | Richie Laurel | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | GUTHRIE ROY A | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | Parker P.W. | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-06-30 | COVIELLO ARTHUR W JR | Award | 789 | $76.05 | $60,003.45 | filing |
| 2026-05-15 | MOTHNER JONATHAN S· See remarks | Sale | 40,000 | $71.23 | $2.8M | filing |
| 2026-05-15 | MOTHNER JONATHAN S· See remarks | Sale | 11,258 | $71.23 | $801,907.34 | filing |
| 2026-05-15 | MOTHNER JONATHAN S· See remarks | Option exercise | 11,258 | $34.30 | $386,149.40 | filing |
| 2026-05-15 | DOUBLES BRIAN D· See remarks | Award | 1,017 | $71.38 | $72,593.46 | filing |
| 2026-05-15 | Wenzel Brian J. Sr.· See remarks | Award | 270 | $71.38 | $19,272.60 | filing |
| 2026-05-15 | Juel Carol· See remarks | Award | 217 | $71.38 | $15,489.46 | filing |
| 2026-05-15 | MOTHNER JONATHAN S· See remarks | Award | 217 | $71.38 | $15,489.46 | filing |
| 2026-05-15 | NAYLOR JEFFREY G | Award | 197 | $71.38 | $14,061.86 | filing |
| 2026-05-15 | Howse Curtis· See remarks | Award | 181 | $71.38 | $12,919.78 | filing |
| 2026-05-15 | Casellas Alberto· See remarks | Award | 181 | $71.38 | $12,919.78 | filing |
| 2026-05-15 | Alves Paget Leonard | Award | 153 | $71.38 | $10,921.14 | filing |
| 2026-05-15 | GUTHRIE ROY A | Award | 152 | $71.38 | $10,849.76 | filing |
| 2026-05-15 | Schaller Bart· See remarks | Award | 143 | $71.38 | $10,207.34 | filing |
| 2026-05-15 | Richie Laurel | Award | 135 | $71.38 | $9,636.30 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.