Synchrony Financial (SYF) Stock Price, Fundamentals & Analysis

What SYF does

Synchrony Financial (SYF) operates as a consumer financial services company in the United States. It provides credit products such as credit cards, commercial credit products, and consumer installment loans, along with private label and co-branded cards, short- and long-term installment loans, and consumer banking and deposit products. The company also offers debt cancellation services through online and mobile channels and provides healthcare payments and financing solutions under the CareCredit and Walgreens brands, as well as payments and financing solutions in industries such as apparel, specialty retail, outdoor, music, and luxury.

Key numbers explained

• The current price is 70.67 USD, down 2.75% today.
• The trailing P/E ratio of 7.2 and the forward P/E ratio of 6.8 compare the price to recent and expected earnings, respectively; lower ratios can suggest the stock is priced more conservatively relative to earnings.
• The dividend yield of 1.87% shows the annual dividend as a percentage of the current price, and the ex-dividend date is 5 aug. 2026.
• The beta of 1.31 indicates the stock tends to move about 31% more than the overall market.
• The 52-week range of 63.08 – 88.77 shows the lowest and highest traded prices over the past year, with the current price near the lower end.
• The profit margin of 35.5% and operating margin of 50.2% reflect how much of each revenue dollar remains as profit after costs and operating expenses.
• The return on equity of 20.8% measures how effectively the company generates profit from shareholders' equity.
• The price-to-book ratio of 1.51 compares the market price to the company's book value per share.

Recent news

• Synchrony will announce its third quarter 2026 financial results on 20 oct. 2026.
• Headlines question whether SYF is underperforming the Nasdaq and highlight resilient spending and a reaffirmed receivables growth outlook.
• Other stories note a partnership with Intelibly to streamline dental financing through CareCredit and Synchrony's participation in the Barclays Global Financial Services Conference.

What to watch

• Earnings reports, such as the upcoming release on 20 oct. 2026, can drive short-term price moves.
• Consumer spending trends and credit demand affect revenue growth, which has been modest at 0.6% year over year.
• Interest rate environment and regulatory changes in the financial services sector can influence margins and cost of capital.
• Comparing SYF to peers such as Marsh McLennan (MRSH), Coinbase (COIN), Northern Trust (NTRS), Erie Indemnity (ERIE), Goldman Sachs (GS), Corpay (CPAY), and M&T Bank (MTB) can provide context on valuation and growth within the broader S&P 500.