SYF

Synchrony Financial

SYF.US synchrony.com + Research + Basket
CIK 0001601712
Employees 20,000
Phone 203 585 2400
Fiscal year end December
IPO Jul 31, 2014
Address 777 Long Ridge Road, Stamford, CT, United States, 06902
75.35
-1.62 (-2.10%)
USD · NYSE
52-week range
62.56
87.67
Trading at 51% of the 52-week range
Market Cap
25.04B
P/E Ratio
8.03
Forward P/E
7.17
Book Value
47.70
Div. Yield
1.65%
% Institutions
113.87%
% Insiders
0.368%

1 Year

+4.1%

3 Year

+183.0%

10 Year

+233.2%
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.

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People

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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
Ms. Carol D. Juel Executive VP & CEO of Digital Platform 1973
Mr. Curtis Howse Executive VP and CEO of Home & Auto 1964
Mr. D.J. Casto Executive VP and Chief People & Operations Officer NA
Ms. Amy L. Tiliakos Senior VP, Chief Accounting Officer & Controller 1983
Mr. Florin Arghirescu Executive VP & CTO NA
Ms. Kathryn Harmon Miller Senior Vice President & Director of Investor Relations NA
Mr. Alberto Casellas Executive VP and CEO of Health & Wellness 1967

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
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 SEC
Mar 02, 2026 Alberto Casellas N/A Sale 14.40K $67.71 $974.96K SEC
Mar 02, 2026 Bart Schaller N/A Sale 12.98K $67.71 $878.88K SEC
Mar 02, 2026 Brian D Doubles N/A Sale 217.55K $68.68 $14.94M SEC
Mar 02, 2026 Brian J Sr. Wenzel N/A Sale 19.58K $67.71 $1.33M SEC
Mar 02, 2026 Curtis Howse N/A Sale 7.88K $67.71 $533.69K SEC
Mar 02, 2026 Darrell Owens N/A Sale 3.87K $67.71 $261.70K SEC
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 SEC
Feb 02, 2026 Arthur W Coviello Jr N/A Sale 4.00K $72.32 $289.28K SEC
Nov 17, 2025 Jonathan S Mothner N/A Sale 32.00K $72.80 $2.33M SEC
Nov 03, 2025 Arthur W Coviello Jr N/A Sale 8.00K $73.93 $591.44K SEC
Nov 03, 2025 Curtis Howse N/A Sale 12.09K $74.02 $894.61K SEC
Nov 03, 2025 Darrell Owens N/A Sale 2.99K $74.02 $221.25K SEC
Aug 05, 2025 Brian J Sr. Wenzel N/A Sale 8.51K $70.00 $595.98K SEC
Aug 04, 2025 Darrell Owens N/A Sale 600.00 $67.95 $40.77K SEC
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 SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 30.89M Jun 30, 2026 9.49% $0.03 1.36%
Vanguard Capital Management, LLC 22.01M Jun 30, 2026 6.77% $0.04 -2.58%
Capital World Investors 18.92M Jun 30, 2026 5.81% $0.17 -44.02%
Vanguard Portfolio Management, LLC 18.09M Jun 30, 2026 5.56% $0.06 -2.24%
State Street Corp 17.73M Jun 30, 2026 5.45% $0.04 0.05%
Bank of America Corp 14.77M Jun 30, 2026 4.54% $0.07 -8.08%
The Goldman Sachs Group Inc 10.09M Jun 30, 2026 3.10% $0.07 5.20%
Geode Capital Management, LLC 9.85M Jun 30, 2026 3.03% $0.04 -0.95%
First Trust Advisors L.P. 7.70M Jun 30, 2026 2.37% $0.34 44.21%
Par Capital Management Inc 7.61M Jun 30, 2026 2.34% $14.35 0.00%
Harris Associates L.P. 7.45M Jun 30, 2026 2.29% $0.75 59.83%
Dimensional Fund Advisors, Inc. 6.25M Jun 30, 2026 1.92% $0.09 3.56%
Amvescap Plc. 5.38M Jun 30, 2026 1.65% $0.03 -4.47%
Nordea Investment Mgmt Bank Demark A/s 5.30M Jun 30, 2026 1.63% $0.34 0.98%
Northern Trust Corp 4.88M Jun 30, 2026 1.50% $0.04 -2.56%
Morgan Stanley - Brokerage Accounts 4.63M Jun 30, 2026 1.42% $0.02 1.57%
Ameriprise Financial Inc 4.51M Jun 30, 2026 1.39% $0.07 -6.72%
Genworth Financial Wealth Mgmt Inc 4.40M Jun 30, 2026 1.35% $0.58 1.48%
Allianz Asset Management AG 4.20M Jun 30, 2026 1.29% $0.26 0.35%
UBS Asset Mgmt Americas Inc 4.17M Jun 30, 2026 1.28% $0.06 -2.03%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 10.33M 3.17% ▼ 3.49% Sep 30, 2026
2 American Funds American Balanced A 9.38M 2.88% ▲ 0.00% Sep 30, 2026
3 Vanguard 500 Index Investor 8.54M 2.63% ▼ 4.38% Sep 30, 2026
4 Vanguard MStar Mid Cap Index Instl 6.97M 2.14% ▼ 4.41% Sep 30, 2026
5 First Trust Rising Dividend Achiev ETF 6.54M 2.01% ▲ 0.17% Sep 30, 2026
6 American Funds Income Fd of Amer A 6.08M 1.87% ▲ 0.00% Sep 30, 2026
7 Oakmark Investor 5.36M 1.65% ▲ 43.51% Sep 30, 2026
8 Fidelity 500 Index 4.37M 1.34% ▲ 0.39% Aug 31, 2026
9 iShares Core S&P 500 ETF 4.34M 1.33% ▼ 0.16% Sep 30, 2026
10 State Street® SPDR® S&P 500® ETF 3.97M 1.22% ▲ 0.00% Sep 30, 2026

Financial Highlights

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Market Cap: $25.04B
P/E Ratio: $8.03
PEG Ratio: $0.93
Book Value: $47.70
Dividend/Share: $1.24
Dividend Yield: 1.65%
Earnings/Share: $9.58
Profit Margin: 34.07%
Operating Margin: 49.84%
ROA (TTM): 2.78%
ROE (TTM): 19.83%
Revenue (TTM): $9.78B
Revenue/Share (TTM): $29.10
Earnings Growth (YOY): -6.30%
Revenue Growth (YOY): -4.70%

Valuation Metrics

Enterprise Value: $26.81B
Trailing P/E: 8.03
Forward P/E: 7.17

Shares Statistics

Shares Outstanding: 325.37M
Shares Float: 309.15M
% Insiders: 0.368%
% Institutions: 113.87%
Shares Short: 16.43M
Shares Short (Prior Month): 18.82M
Short Ratio: 5.38
Short % Float: 6.72%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$19.12B
Cost of Goods Sold
adjust
$-9.36B
Gross Profit
subtotal
$9.76B
SG&A
adjust
$-2.09B
Other Operating Expense
adjust
$-3.04B
Operating Income
subtotal
$4.62B
Other / Non-Operating Items
adjust
$-1.07B
Net Income
subtotal
$3.55B

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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