Synchrony Financial (SYF) stock
SYFNYSEFinance ServicesFiscal year ends December 31Also trades as SYF.PA, SYF.PB
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 22, 2026Score 15/3043% below fair value
$72.25+0.59 (+0.82%)
Close on Nov 13, 2026Market cap $22.50BP/E 7.5Yield 1.59%
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
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.50
- 1.13
- P/OCF Ratio
- 2.35
- 5.84
Enterprise valuationIndustry
- EV / Sales
- 0.34
- 2.54
Share statisticsIndustry
- Shares Change (YoY)
- -11.3%
- 13.6%
- Shares Change (QoQ)
- -4.31%
- 0.11%
- Float
- 310M
- 40M
- Shares Held by Insiders
- 0.56%
- 18.2%
- Shares Held by Institutions
- 110.9%
- 27.7%
Short sellingIndustry
- Short Interest
- 17M
- –
- Short Interest Change
- 5.33%
- -0.08%
- Short % of Float
- 5.59%
- 6.48%
- Short % of Shares Outstanding
- 5.56%
- 5.35%
- Days to Cover
- 4.77
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $88.77
- –
- 52-Week Low
- $63.08
- –
- 20-Day Moving Average
- $74.18
- –
- 50-Day Moving Average
- $73.93
- –
- 200-Day Moving Average
- $73.47
- –
- Average True Range (14)
- $2.26
- –
- Price Change (1 Week)
- -2.02%
- -4.00%
- Price Change (1 Month)
- -2.42%
- -17.2%
- Price Change (3 Months)
- -10.5%
- -15.4%
- Price Change (6 Months)
- 1.22%
- -32.2%
- Price Change (YTD)
- -13.4%
- -37.2%
- Price Change (1 Year)
- -4.29%
- -50.6%
- Price Change (3 Years)
- 138.4%
- -32.7%
- Price Change (5 Years)
- 44.0%
- -81.6%
- Price Change (10 Years)
- 114.3%
- -62.7%
- Average Volume (10 Days)
- 6M
- –
- Average Volume (20 Days)
- 5M
- –
- Average Volume (90 Days)
- 4M
- –
- Relative Volume
- 1.93
- 0.72
- Relative Strength Index (14)
- 43.1
- 39.6
- Volatility (1 Year)
- 31.2%
- 94.5%
- Beta (5 Years)
- 1.23
- 1.24
MarginsIndustry
- Pretax Margin
- 22.6%
- -6.66%
Returns on capitalIndustry
- Return on Equity (ROE)
- 19.8%
- -20.8%
- Return on Assets (ROA)
- 2.78%
- -7.97%
GrowthIndustry
- Revenue Growth (YoY)
- 2.63%
- 15.4%
- Net Income Growth (YoY)
- -6.77%
- -22.9%
- EPS Growth (YoY)
- 4.59%
- 3.77%
- Revenue Growth (3Y CAGR)
- 5.86%
- 5.94%
- Revenue Growth (5Y CAGR)
- 5.10%
- 10.7%
- EPS Growth (3Y CAGR)
- 14.7%
- 5.11%
- EPS Growth (5Y CAGR)
- 32.5%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.16
- 0.16
- Revenue Per Employee
- $965.70K
- $675.54K
- Profits Per Employee
- $166.65K
- -$170.28K
- Employee Count
- 20,000
- 47
- WACC
- 11.3%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $4.37B
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $15.90B
- $7.04M
- Net Cash Per Share
- $51.06
- $0.19
- Equity (Book Value)
- $16.55B
- $224.68M
- Book Value Per Share
- $53.15
- $4.10
- Tangible Book Value
- $15.04B
- $156.69M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 14.8%
- -13.4%
- Dividend Yield
- 1.59%
- 1.98%
- Buyback Yield
- 17.1%
- 0.46%
- Shareholder Yield
- 18.7%
- 0.51%
- Dividend Per Share
- $1.15
- $1.06
- Dividend Growth (YoY)
- 15.0%
- 5.11%
- Years of Dividend Growth
- 4
- 0
- Payout Ratio
- 12.6%
- 20.9%
Taxes and interestIndustry
- Income Tax
- $1.03B
- $213.00K
- Effective Tax Rate
- 23.7%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $107.03
- $31.08
- Graham Upside
- 48.1%
- 16.5%
- Altman Z-Score
- 0.59
- 0.36
- Piotroski F-Score
- 6
- 4
- Lynch Fair Value
- $239.50
- –
- Lynch Upside
- 231.5%
- 45.6%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | SYF | S&P 500 | Difference | SYF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -1.8% | -3.0% | +1.2 pts | ||
| 3 months | -9.8% | -2.8% | −7.0 pts | ||
| Year to date | -12.3% | +11.5% | −23.8 pts | ||
| 1 year | -0.9% | +13.5% | −14.3 pts | ||
| 3 years | +158.4% | +77.7% | +80.7 pts | +37.2% | +21.1% |
| 5 years | +60.2% | +72.6% | −12.5 pts | +9.9% | +11.5% |
| 10 years | +179.6% | +308.2% | −128.5 pts | +10.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
17M SYF shares were sold short on Oct 30, 2026, up 5.3% from the previous report, or 5.59% of the shares available to trade. At recent volumes it would take 4.8 days to buy them back. Over the last 20 sessions, 67.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 17,310,618 | +5.3% | 3,627,120 | 4.8 |
| Oct 15, 2026 | 16,434,441 | -5.8% | 2,992,957 | 5.5 |
| Sep 30, 2026 | 17,451,121 | -7.3% | 3,076,317 | 5.7 |
| Sep 15, 2026 | 18,821,471 | +5.5% | 2,730,949 | 6.9 |
| Aug 31, 2026 | 17,840,145 | -0.6% | 3,750,269 | 4.8 |
| Aug 14, 2026 | 17,939,946 | -5.3% | 2,556,258 | 7.0 |
| Jul 31, 2026 | 18,945,815 | -2.2% | 4,264,442 | 4.4 |
| Jul 15, 2026 | 19,367,244 | +6.7% | 3,883,676 | 5.0 |
| Jun 30, 2026 | 18,154,332 | -14.5% | 3,811,454 | 4.8 |
| Jun 15, 2026 | 21,242,534 | -7.4% | 3,264,156 | 6.5 |
| May 29, 2026 | 22,942,347 | +10.2% | 4,249,489 | 5.4 |
| May 15, 2026 | 20,812,288 | +0.0% | 3,742,651 | 5.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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