Stock Fundamentals

Company Information

Company Name
Synchrony Financial
Sector
Financial Services
Industry
Credit Services
Exchange
NYSE
ISIN: US87165B1035
CIK: 0001601712
CUSIP: 87165B103
Currency: USD
Full Time Employees: 20,000
Phone: 203 585 2400
Fiscal Year End: December
IPO Date: Jul 31, 2014
Description:

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Address:

777 Long Ridge Road, Stamford, CT, United States, 06902

Directors & Officers

Name Title Year Born
Mr. Brian D. Doubles President, CEO & Director 1976
Mr. Brian J. Wenzel Sr. Executive VP & CFO 1968
Mr. Jonathan S. Mothner Esq., J.D. Executive VP and Chief Risk & Legal Officer 1964
Mr. Curtis Howse Executive VP and CEO of Home & Auto 1964
Ms. Amy L. Tiliakos Senior VP, Chief Accounting Officer & Controller 1983
Ms. Kathryn Harmon Miller Senior Vice President & Director of Investor Relations NA
Mr. D.J. Casto Executive VP & Chief Human Resources Officer NA
Mr. Bart Schaller Executive VP & CEO of Digital 1970
Mr. Alberto Casellas Executive VP and CEO of Health & Wellness 1967
Mr. Michael Bopp Executive VP & Chief Growth Officer 1974

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 30, 2026 Ro Khanna N/A Sale N/A $65.94 N/A
Mar 03, 2026 Brian J Sr. Wenzel N/A Sale 47.11K $67.16 $3.16M
Mar 02, 2026 Alberto Casellas N/A Sale 14.40K $67.71 $974.96K
Mar 02, 2026 Bart Schaller N/A Sale 12.98K $67.71 $878.88K
Mar 02, 2026 Brian D Doubles N/A Sale 217.55K $68.68 $14.94M
Mar 02, 2026 Brian J Sr. Wenzel N/A Sale 19.58K $67.71 $1.33M
Mar 02, 2026 Curtis Howse N/A Sale 7.88K $67.71 $533.69K
Mar 02, 2026 Darrell Owens N/A Sale 3.87K $67.71 $261.70K
Feb 24, 2026 Ro Khanna N/A Purchase N/A $70.75 N/A
Feb 05, 2026 Ro Khanna N/A Purchase N/A $73.96 N/A
Feb 02, 2026 Curtis Howse N/A Sale 52.56K $72.32 $3.80M
Feb 02, 2026 Arthur W Coviello Jr N/A Sale 4.00K $72.32 $289.28K
Nov 17, 2025 Jonathan S Mothner N/A Sale 32.00K $72.80 $2.33M
Nov 03, 2025 Arthur W Coviello Jr N/A Sale 8.00K $73.93 $591.44K
Nov 03, 2025 Curtis Howse N/A Sale 12.09K $74.02 $894.61K
Nov 03, 2025 Darrell Owens N/A Sale 2.99K $74.02 $221.25K
Aug 05, 2025 Brian J Sr. Wenzel N/A Sale 8.51K $70.00 $595.98K
Aug 04, 2025 Darrell Owens N/A Sale 600.00 $67.95 $40.77K
Jul 01, 2025 Ro Khanna N/A Sale N/A $68.20 N/A
Jun 24, 2025 Curtis Howse N/A Sale 11.38K $65.00 $739.70K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 45.83M Dec 31, 2025 13.63% $0.06 -2.48%
Capital World Investors 33.80M Mar 31, 2026 10.05% $0.31 -11.82%
BlackRock Inc 30.48M Mar 31, 2026 9.06% $0.04 -2.23%
State Street Corp 17.72M Mar 31, 2026 5.27% $0.04 -3.87%
Bank of America Corp 16.06M Mar 31, 2026 4.78% $0.08 -0.58%
Geode Capital Management, LLC 9.95M Mar 31, 2026 2.96% $0.04 0.41%
The Goldman Sachs Group Inc 9.59M Mar 31, 2026 2.85% $0.07 10.55%
Par Capital Management Inc 7.61M Mar 31, 2026 2.26% $15.00 1.50%
Dimensional Fund Advisors, Inc. 6.04M Mar 31, 2026 1.80% $0.09 6.44%
Amvescap Plc. 5.63M Mar 31, 2026 1.67% $0.06 2.55%
First Trust Advisors L.P. 5.34M Mar 31, 2026 1.59% $0.26 5.57%
Nordea Investment Mgmt Bank Demark A/s 5.25M Mar 31, 2026 1.56% $0.33 2.29%
Northern Trust Corp 5.01M Mar 31, 2026 1.49% $0.05 -1.61%
Ameriprise Financial Inc 4.84M Mar 31, 2026 1.44% $0.08 -9.63%
Harris Associates L.P. 4.66M Mar 31, 2026 1.39% $0.42 0.00%
NORGES BANK 4.59M Dec 31, 2025 1.37% $0.04 2.41%
Morgan Stanley - Brokerage Accounts 4.56M Mar 31, 2026 1.36% $0.02 -26.78%
AQR Capital Management LLC 4.49M Mar 31, 2026 1.33% $0.14 37.33%
Genworth Financial Wealth Mgmt Inc 4.34M Mar 31, 2026 1.29% $0.60 0.86%
UBS Asset Mgmt Americas Inc 4.26M Mar 31, 2026 1.27% $0.06 -12.46%

Shares Statistics

Shares Outstanding: 336.37M
Shares Float: 334.85M
% Insiders: 35.00%
% Institutions: 10,773.80%
Short % Float: 8.14%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 American Funds American Balanced A 20.36M 6.05% ▼ 0.73% Mar 31, 2026
2 Vanguard Total Stock Mkt Idx Inv 11.05M 3.29% ▲ 0.23% Apr 30, 2026
3 American Funds Income Fund of Amer A 9.66M 2.87% ▼ 0.36% Mar 31, 2026
4 Vanguard 500 Index Investor 9.01M 2.68% ▲ 1.83% Apr 30, 2026
5 Vanguard Mid Cap Index Institutional 7.53M 2.24% ▲ 0.24% Apr 30, 2026
6 iShares Core S&P 500 ETF 4.50M 1.34% ▲ 0.29% Apr 30, 2026
7 Fidelity 500 Index 4.44M 1.32% ▼ 3.15% Mar 31, 2026
8 State Street® SPDR® S&P 500® ETF 4.13M 1.23% ▲ 0.33% Apr 30, 2026
9 First Trust Rising Dividend Achiev ETF 4.10M 1.22% ▲ 0.07% Apr 30, 2026
10 Vanguard Value Index Inv 3.22M 0.96% ▲ 0.29% Apr 30, 2026

Valuation Metrics

Enterprise Value: $21.00B
Trailing P/E: 7.35
Forward P/E: 7.62

Financial Highlights

Market Cap: $23.87B
P/E Ratio: $7.35
PEG Ratio: $2.06
Book Value: $45.27
Dividend/Share: $1.20
Dividend Yield: 1.69%
Earnings/Share: $9.66
Profit Margin: 36.39%
Operating Margin: 48.03%
ROA (TTM): 2.96%
ROE (TTM): 21.78%
Revenue (TTM): $9.89B
Revenue/Share (TTM): $27.54
Earnings Growth (YOY): 20.10%
Revenue Growth (YOY): 6.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.21x 0.91x 0.86x 1.12x 2.96x
2024-12-31 0.22x 1.27x 0.86x 0.98x 4.19x
2023-12-31 25.25x 1.45x 0.88x 0.78x 6.01x
2022-12-31 1.39x 1.67x 0.88x 2.60x 4.91x
2021-12-31 2.68x 1.10x 0.86x 5.33x 2.55x
2020-12-31 4.26x 1.62x 0.87x 1.08x 9.45x
2019-12-31 2.69x 1.60x 0.86x 2.13x 4.58x
2018-12-31 0.23x 1.63x 0.86x 1.95x 6.08x
2017-12-31 2.84x 2.92x 0.85x 2.39x 11.63x
2016-12-31 2.45x 2.84x 0.84x 2.86x 10.63x
2015-12-31 3.30x 2.26x 0.85x 3.11x 7.67x
2014-12-31 4.20x 3.75x 0.86x 3.67x 11.17x
2013-12-31 0.09x 3.21x 0.90x 4.23x 5.90x
2012-12-31 0.07x 6.04x 0.91x 4.53x 8.00x
2011-12-31 N/A N/A N/A 3.23x 0.00x

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