SYF
Synchrony Financial
NYSE: SYF · FINANCIAL SERVICES · CREDIT SERVICES
$75.12
-1.48% today
Updated 2026-04-29
Market cap
$25.31B
P/E ratio
7.78
P/S ratio
2.56x
EPS (TTM)
$9.66
Dividend yield
1.57%
52W range
$52 – $88
Volume
4.0M
WallStSmart proprietary scores
77
out of 100
Grade: B+
Buy
Investment rating
7.3
Growth
B+4.0
Quality
C8.0
Profitability
A6.3
Valuation
B5/9
Piotroski F-Score
Moderate
0.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$89.59
+19.26%
12-Month target
$67.33
-10.37%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy13 Buy7 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 36.40% — above average
+ ROE 21.80% — strong efficiency
+ Free cash flow $2.18B — positive
Risks
- Altman Z 0.03 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM | 2026 (E) |
|---|---|---|---|---|---|---|
| Revenue | $13.20B | $17.34B | $20.76B | $19.12B | $9.89B | $18.2B |
| Net income | $3.02B | $2.24B | $3.50B | $3.55B | $805.00M | — |
| EPS | — | — | — | — | $9.66 | $9.33 |
| Free cash flow | $6.69B | $8.59B | $9.85B | $9.85B | $2.18B | — |
| Profit margin | 22.86% | 12.91% | 16.86% | 18.58% | 36.40% | — |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-31 | ZANE, ELLEN M | Buy | 883 | $68.02 |
| 2026-03-31 | RICHIE, LAUREL | Buy | 883 | $68.02 |
| 2026-03-31 | PARKER, P.W. | Buy | 883 | $68.02 |
Peer comparison
Smart narrative
Synchrony Financial trades at $75.12. representing a P/E of 7.78x trailing earnings. Our Smart Value Score of 77/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 0.03, it sits in the distress. TTM revenue stands at $9.89B. with profit margins at 36.40%.
Frequently asked questions
What is Synchrony Financial's stock price?
Synchrony Financial (SYF) trades at $75.12.
Is Synchrony Financial overvalued?
Smart Value Score 77/100 (Grade B+, Buy).
What is the price target of Synchrony Financial (SYF)?
The analyst target price is $89.59, representing +19.3% upside from the current price of $75.12.
What is the future stock price of SYF by 2030?
Our research-backed model estimates Synchrony Financial could reach $759.46 by 2030, based on analyst consensus, management guidance, and sector analysis.
What is Synchrony Financial's revenue?
TTM revenue is $9.89B.
Piotroski F-Score?
5/9 — moderate financial health.
Altman Z-Score?
0.03 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio2.56x
ROE21.80%
Beta1.38
50D MA$70.44
200D MA$74.11
Shares out0.34B
Float0.33B
Short ratio—
Avg volume4.0M
Performance
1 week-1.55%
1 month+9.95%
3 months+3.43%
YTD-9.96%
1 year—
3 years—
5 years—