Synchrony Financial (SYF.PA) stock
SYF.PANYSEFinance ServicesFiscal year ends December 31Also trades as SYF, SYF.PB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026Score 15/3048% below fair value
$17.48−0.12 (-0.68%)
Close on Oct 30, 2026Market cap $24.52BP/E 7.7Yield 1.53%
Synchrony Financial statistics
84 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 5, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Oct 30, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.59
- 1.32
- P/OCF Ratio
- 2.53
- 7.43
Enterprise valuationIndustry
- EV / Sales
- 0.43
- 2.54
Share statisticsIndustry
- Shares Change (YoY)
- -9.79%
- 12.9%
- Shares Change (QoQ)
- -3.56%
- 0.27%
- Float
- 324M
- 42M
- Shares Held by Insiders
- 0.53%
- 18.6%
- Shares Held by Institutions
- 106.1%
- 27.5%
Short sellingIndustry
- Short Interest
- 16M
- –
- Short Interest Change
- -5.83%
- 0.70%
- Short % of Float
- 5.08%
- 6.82%
- Short % of Shares Outstanding
- 5.05%
- 5.03%
- Days to Cover
- 5.49
- 3.55
Stock price statisticsIndustry
- 52-Week High
- $88.77
- –
- 52-Week Low
- $63.08
- –
- 20-Day Moving Average
- $73.85
- –
- 50-Day Moving Average
- $75.02
- –
- 200-Day Moving Average
- $73.61
- –
- Average True Range (14)
- $1.92
- –
- Price Change (1 Week)
- 2.32%
- -1.16%
- Price Change (1 Month)
- 5.37%
- -16.3%
- Price Change (3 Months)
- -3.20%
- -9.64%
- Price Change (6 Months)
- -0.54%
- -26.2%
- Price Change (YTD)
- -9.68%
- -30.9%
- Price Change (1 Year)
- 2.92%
- -52.8%
- Price Change (3 Years)
- 149.9%
- -28.1%
- Price Change (5 Years)
- 56.3%
- -79.5%
- Price Change (10 Years)
- 167.9%
- -48.3%
- Average Volume (10 Days)
- 4M
- –
- Average Volume (20 Days)
- 3M
- –
- Average Volume (90 Days)
- 3M
- –
- Relative Volume
- 0.86
- 0.88
- Relative Strength Index (14)
- 54.0
- 40.6
- Volatility (1 Year)
- 31.2%
- 94.3%
- Beta (5 Years)
- 1.25
- 1.25
MarginsIndustry
- Pretax Margin
- 24.0%
- -15.3%
Returns on capitalIndustry
- Return on Equity (ROE)
- 20.8%
- -22.5%
- Return on Assets (ROA)
- 2.90%
- -11.7%
GrowthIndustry
- Revenue Growth (YoY)
- 2.93%
- 19.7%
- Net Income Growth (YoY)
- 7.03%
- -39.8%
- EPS Growth (YoY)
- 18.4%
- 1.55%
- Revenue Growth (3Y CAGR)
- 5.86%
- 5.91%
- Revenue Growth (5Y CAGR)
- 5.10%
- 10.5%
- EPS Growth (3Y CAGR)
- 14.7%
- 5.11%
- EPS Growth (5Y CAGR)
- 32.5%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.16
- 0.17
- Revenue Per Employee
- $962.35K
- $694.61K
- Profits Per Employee
- $175.90K
- -$256.93K
- Employee Count
- 20,000
- 48
- WACC
- 11.2%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $4.61B
- -$3.63M
Balance sheetIndustry
- Net Cash (Debt)
- $16.19B
- $6.94M
- Net Cash Per Share
- $49.77
- $0.21
- Equity (Book Value)
- $16.90B
- $191.56M
- Book Value Per Share
- $51.93
- $3.87
- Tangible Book Value
- $15.38B
- $136.07M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 14.3%
- -12.6%
- Dividend Yield
- 1.53%
- 2.41%
- Buyback Yield
- 14.7%
- 0.14%
- Shareholder Yield
- 16.3%
- 0.48%
- Dividend Per Share
- $1.15
- $1.15
- Dividend Growth (YoY)
- 15.0%
- 5.11%
- Years of Dividend Growth
- 4
- 0
- Payout Ratio
- 11.9%
- 22.8%
Taxes and interestIndustry
- Income Tax
- $1.10B
- $102.14K
- Effective Tax Rate
- 23.8%
- 22.3%
Scores and fair valueIndustry
- Graham Number
- $106.79
- $33.10
- Graham Upside
- 41.7%
- 7.28%
- Altman Z-Score
- 0.60
- 0.39
- Piotroski F-Score
- 6
- 4
- Lynch Fair Value
- $244.00
- –
- Lynch Upside
- 223.8%
- 54.1%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Oct 30, 2026. The S&P 500 is measured by the SPY fund.
| Period | SYF.PA | S&P 500 | Difference | SYF.PA per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -2.5% | -0.9% | −1.6 pts | ||
| 3 months | -7.9% | +2.1% | −10.0 pts | ||
| Year to date | -5.9% | +11.7% | −17.5 pts | ||
| 1 year | -6.9% | +12.4% | −19.3 pts | ||
| 3 years | +44.7% | +88.6% | −43.9 pts | +13.1% | +23.5% |
| 5 years | -7.0% | +75.9% | −82.9 pts | -1.4% | +12.0% |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.