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Synchrony Financial

  • Market Cap: Mid Cap
  • Industry: Finance
  • ISIN: US87165B1035
USD
80.40
1.25 (1.58%)

Dec 04

NYS

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  • Price Points
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  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

79.1580.65

52 Week

40.5580.65
Valuation
Technical
Day's Volume

CASH

2.12 M

Shareholding (Mar 2025)

FII

24.26%

Held by 377 FIIs

DII

33.19%

Held by 86 DIIs

Promoter

0.02%

How big is Synchrony Financial?

22-Jun-2025

As of Jun 18, Synchrony Financial has a market capitalization of $40.23 billion, with net sales of $19.60 billion and a net profit of $2.96 billion over the latest four quarters. The balance sheet shows shareholder's funds of $16.58 billion and total assets of $119.46 billion.

As of Jun 18, Synchrony Financial has a market capitalization of 40,230.53 million, categorizing it as a Large Cap company.<BR><BR>As of Jun 18, the company reported net sales of 19,602.00 million and a net profit of 2,963.00 million for the latest four quarters.<BR><BR>As of Dec 24, the balance sheet shows shareholder's funds of 16,580.00 million and total assets amounting to 119,463.00 million.

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What does Synchrony Financial do?

22-Jun-2025

Synchrony Financial is a consumer financial services company with a market capitalization of approximately $40.23 billion, reporting net sales of $4.8 billion and a net profit of $757 million as of March 2025. Key metrics include a P/E ratio of 13.00 and a dividend yield of 1.09%.

Overview:<BR>Synchrony Financial is a consumer financial services company operating in the finance industry, with a market capitalization in the large-cap bracket.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 4,804 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 757 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 40,230.53 Million (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 13.00 <BR>Dividend Yield: 1.09% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 17.87% <BR>Price to Book: 2.43<BR><BR>Contact Details:<BR>Address: 777 Long Ridge Rd, STAMFORD CT: 06902-1250 <BR>Tel: 1 203 5856730 <BR>Fax: 1 302 6555049 <BR>Website: https://www.synchronyfinancial.com/

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Who are in the management team of Synchrony Financial?

22-Jun-2025

As of March 2022, the management team of Synchrony Financial includes Richard Hartnack (Non-Executive Independent Chairman), Margaret Keane (Executive Chairman), and several independent directors: P.W. Parker, Fernando Aguirre, Paget Alves, and Arthur Coviello. They are responsible for the company's strategic direction and governance.

As of March 2022, the management team of Synchrony Financial includes the following individuals:<BR><BR>- Mr. Richard Hartnack, who serves as the Non-Executive Independent Chairman of the Board.<BR>- Ms. Margaret Keane, the Executive Chairman of the Board.<BR>- Mr. P.W. Parker, who is a Director.<BR>- Mr. Fernando Aguirre, an Independent Director.<BR>- Mr. Paget Alves, also an Independent Director.<BR>- Mr. Arthur Coviello, another Independent Director. <BR><BR>This team plays a crucial role in guiding the company's strategic direction and governance.

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Is Synchrony Financial overvalued or undervalued?

20-Sep-2025

As of July 22, 2025, Synchrony Financial's valuation has improved to very attractive, with a P/E ratio of 13, an EV to EBITDA ratio of 1.58, and strong performance, outperforming the S&P 500 with a year-to-date return of 17.74% and a one-year return of 56.54%.

As of 22 July 2025, the valuation grade for Synchrony Financial has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 13, an EV to EBITDA ratio of 1.58, and a PEG ratio of 2.29. In comparison, its peer AerCap Holdings has a P/E of 11.71, while SoFi Technologies is considered expensive with a P/E of 54.79, highlighting Synchrony's favorable positioning within its industry.<BR><BR>Additionally, Synchrony Financial has outperformed the S&P 500 over multiple periods, with a year-to-date return of 17.74% compared to the S&P 500's 12.22%, and a one-year return of 56.54% against the S&P 500's 17.14%. This performance further reinforces the narrative of Synchrony being an attractive investment opportunity.

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Is Synchrony Financial technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Synchrony Financial's trend is bullish overall, supported by daily moving averages and monthly MACD, despite mixed signals from weekly indicators, with a strong long-term performance of 32.67% over one year compared to the S&P 500's 19.89%.

As of 31 October 2025, the technical trend for Synchrony Financial has changed from mildly bullish to bullish. The daily moving averages indicate a bullish stance, while the monthly MACD is also bullish. However, the weekly MACD and KST are mildly bearish, suggesting mixed signals in shorter time frames. The Bollinger Bands are mildly bullish on both weekly and monthly charts. Overall, the stock shows a strong performance over the longer term, with a 1-year return of 32.67% compared to the S&P 500's 19.89%, and a 5-year return of 174.94% versus the S&P 500's 109.18%. This indicates a robust long-term trend despite some short-term volatility.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 20.89%

 
2

Positive results in Jun 25

3

With ROE of 17.87%, it has a attractive valuation with a 2.38 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 49,502 Million (Mid Cap)

stock-summary
P/E

13.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

1.18%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

19.39%

stock-summary
Price to Book

2.92

Revenue and Profits:
Net Sales:
4,712 Million
(Quarterly Results - Jun 2025)
Net Profit:
967 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
4.61%
0%
4.61%
6 Months
38.93%
0%
38.93%
1 Year
20.32%
0%
20.32%
2 Years
136.68%
0%
136.68%
3 Years
127.76%
0%
127.76%
4 Years
77.56%
0%
77.56%
5 Years
143.86%
0%
143.86%

Synchrony Financial for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News

Is Synchrony Financial technically bullish or bearish?

As of 31 October 2025, the technical trend for Synchrony Financial has changed from mildly bullish to bullish. The daily moving averages indicate a bullish stance, while the monthly MACD is also bullish. However, the weekly MACD and KST are mildly bearish, suggesting mixed signals in shorter time frames. The Bollinger Bands are mildly bullish on both weekly and monthly charts. Overall, the stock shows a strong performance over the longer term, with a 1-year return of 32.67% compared to the S&P 500's 19.89%, and a 5-year return of 174.94% versus the S&P 500's 109.18%. This indicates a robust long-term trend despite some short-term volatility....

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Is Synchrony Financial technically bullish or bearish?

As of 31 October 2025, the technical trend for Synchrony Financial has changed from mildly bullish to bullish. The current technical stance is bullish, supported by monthly bullish signals in MACD, Bollinger Bands, Dow Theory, and OBV, while daily moving averages also indicate bullish momentum. However, weekly MACD and KST are mildly bearish, suggesting some caution in the short term. In terms of performance, Synchrony Financial has outperformed the S&P 500 over the past year with a return of 33.95% compared to the S&P 500's 19.89%, and has shown strong gains over the 3-year and 5-year periods as well....

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Is Synchrony Financial technically bullish or bearish?

As of 31 October 2025, the technical trend for Synchrony Financial has changed from mildly bullish to bullish. The current stance is bullish, supported by monthly bullish signals in MACD, Bollinger Bands, Dow Theory, and OBV, while daily moving averages also indicate bullish momentum. However, the weekly MACD and KST are mildly bearish, suggesting some caution. In terms of performance, Synchrony Financial has outperformed the S&P 500 over the past year with a return of 34.89% compared to the S&P 500's 19.89%, and it has also shown strong returns over 3 years and 5 years....

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Announcements stock-summary
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No announcement available
Corporate Actions stock-summary
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No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
6.11%
EBIT Growth (5y)
4.14%
EBIT to Interest (avg)
14.10
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
22.62%
Dividend Payout Ratio
11.69%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
235.42%
ROE (avg)
20.89%
Valuation key factors
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.38
EV to EBIT
1.63
EV to EBITDA
1.58
EV to Capital Employed
-3.54
EV to Sales
0.91
PEG Ratio
2.29
Dividend Yield
1.11%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
17.87%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 131 Schemes (42.53%)

Foreign Institutions

Held by 377 Foreign Institutions (24.26%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
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        "suffix": "YoY Growth in quarter ended Jun 2025 is -3.62% vs 16.54% in Jun 2024",
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        "prefix": "Consolidated Net Profit ",
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          "val2": "2,825.00",
          "chgp": "-4.46%",
          "chgp_class": "negative"
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          "field": "Interest",
          "val1": "210.00",
          "val2": "210.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Consolidate Net Profit",
          "val1": "967.00",
          "val2": "643.00",
          "chgp": "50.39%",
          "chgp_class": "positive"
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        {
          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "215.60%",
          "chgp": "9.55%",
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        "suffix": "YoY Growth in year ended Dec 2024 is 56.34% vs -25.80% in Dec 2023",
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        "Dec'24",
        "Dec'23",
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          "field": "Interest",
          "val1": "828.00",
          "val2": "759.00",
          "chgp": "9.09%",
          "chgp_class": "negative"
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          "val1": "0.00",
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          "field": "Consolidate Net Profit",
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          "chgp_class": "positive"
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        {
          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "211.30%",
          "chgp": "4.79%",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
4,712.00
4,889.00
-3.62%
Operating Profit (PBDIT) excl Other Income
2,699.00
2,825.00
-4.46%
Interest
210.00
210.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
967.00
643.00
50.39%
Operating Profit Margin (Excl OI)
311.10%
215.60%
9.55%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is -3.62% vs 16.54% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 50.39% vs 13.01% in Jun 2024

All Quarterly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
20,759.00
17,338.00
19.73%
Operating Profit (PBDIT) excl Other Income
12,438.00
9,922.00
25.36%
Interest
828.00
759.00
9.09%
Exceptional Items
0.00
0.00
Consolidate Net Profit
3,499.00
2,238.00
56.34%
Operating Profit Margin (Excl OI)
259.20%
211.30%
4.79%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 19.73% vs 31.40% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 56.34% vs -25.80% in Dec 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Synchrony Financial stock-summary
stock-summary
Synchrony Financial
Finance
Synchrony Financial is a consumer financial services company. The Company provides a range of credit products through programs it has established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company's revenue activities are managed through three sales platforms: Retail Card, Payment Solutions and CareCredit. It offers its credit products through its subsidiary, Synchrony Bank (the Bank). Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation (FDIC), including certificates of deposit, individual retirement accounts (IRAs), money market accounts and savings accounts. The Company offers three types of credit products: credit cards, commercial credit products and consumer installment loans. The Company also offers a debt cancellation product. It offers two types of credit cards: private label credit cards and Dual Cards.
Company Coordinates stock-summary
Company Details
777 Long Ridge Rd , STAMFORD CT : 06902-1250
stock-summary
Tel: 1 203 5856730
stock-summary
https://www.synchronyfinancial.com/
stock-summary
Registrar Details
Stock List
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