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Synchrony Financial Stock SYF

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Synchrony Financial stock price

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Price

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Overview

The Quote Chart provides detailed and dynamic insights into the Synchrony Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Synchrony Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Synchrony Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Synchrony Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Synchrony Financial Stock Price History

DateSynchrony Financial Price
9/24/20250 undefined
9/24/202574.64 undefined
9/23/202574.75 undefined
9/22/202575.59 undefined
9/19/202576.60 undefined
9/18/202576.54 undefined
9/17/202574.83 undefined
9/16/202574.33 undefined
9/15/202576.28 undefined
9/12/202575.68 undefined
9/11/202575.91 undefined
9/10/202574.75 undefined
9/9/202576.00 undefined
9/8/202575.41 undefined
9/5/202575.72 undefined
9/4/202576.79 undefined
9/3/202575.04 undefined
9/2/202575.26 undefined
8/29/202576.35 undefined
8/28/202576.44 undefined
8/27/202575.51 undefined

Synchrony Financial Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Synchrony Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Synchrony Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Synchrony Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Synchrony Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Synchrony Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Synchrony Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Synchrony Financial’s growth potential.

Synchrony Financial Revenue, EBIT and net profit per share

DateSynchrony Financial RevenueSynchrony Financial EBITSynchrony Financial Net Income
2029e17.68 B undefined11.42 B undefined2.8 B undefined
2028e16.85 B undefined10.92 B undefined2.7 B undefined
2027e19.51 B undefined9.19 B undefined4.17 B undefined
2026e19.15 B undefined10.71 B undefined3.71 B undefined
2025e18.04 B undefined10.3 B undefined3.5 B undefined
202424.17 B undefined0 undefined3.43 B undefined
202321 B undefined0 undefined2.2 B undefined
202217.53 B undefined0 undefined2.97 B undefined
202115.75 B undefined0 undefined4.18 B undefined
202016.47 B undefined0 undefined1.34 B undefined
201919.46 B undefined0 undefined3.75 B undefined
201818.25 B undefined0 undefined2.79 B undefined
201716.7 B undefined0 undefined1.94 B undefined
201615.12 B undefined0 undefined2.25 B undefined
201513.62 B undefined0 undefined2.21 B undefined
201412.73 B undefined0 undefined2.11 B undefined
201311.81 B undefined0 undefined1.98 B undefined
201210.79 B undefined0 undefined2.12 B undefined
20119.64 B undefined0 undefined1.89 B undefined
20109.24 B undefined0 undefined1.27 B undefined
20097.19 B undefined0 undefined401 M undefined

Synchrony Financial Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
NET INCOME (B)
NET INCOME GROWTH (%)
DIV. ()
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
20092010201120122013201420152016201720182019202020212022202320242025e2026e2027e2028e2029e
7.199.249.6410.7911.8112.7313.6215.1216.718.2519.4616.4715.7517.532124.1718.0419.1519.5116.8517.68
-28.604.3011.989.457.747.0211.0310.409.336.62-15.36-4.3711.2619.8215.08-25.336.141.89-13.634.92
---------------------
000000000000000000000
0.41.271.892.121.982.112.212.251.942.793.751.344.182.972.23.433.53.714.172.72.8
-216.4648.9412.12-6.616.574.981.67-14.0444.1934.30-64.16211.17-28.83-26.1656.062.225.8212.57-35.353.89
-------0.520.560.720.860.880.880.900.961.001.131.711.811.201.25
000000007.6928.5719.442.3302.276.674.171351.335.85-33.74.17
830830830830830758836832800747674591569483423.5400.600000
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Details

Keystats

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Revenue and Growth

The Synchrony Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Synchrony Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (M)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (M)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (M)
TANGIBLE ASSETS (M)
LONG-T. INVEST. (M)
LONG-T. REC. (M)
INTANGIBLE ASSETS (B)
GOODWILL (B)
OTHER NON-CURRENT ASSETS (B)
NON-CURRENT ASSETS (B)
TOTAL ASSETS (B)
LIABILITIES
COMMON STOCK (B)
ADDITIONAL PAID-IN CAPITAL (B)
RETAINED EARNINGS (B)
OTHER EQUITY (B)
UNREAL. GAINS/LOSSES (M)
EQUITY (B)
LIABILITIES (M)
PROVISIONS (B)
OTHER SHORT-TERM LIAB. (M)
SHORT-TERM DEBTS (M)
LONG-TERM DEBT PORTION (M)
SHORT-TERM REC. (B)
LONG-T. LIAB. (B)
DEFERRED TAXES (M)
OTHER LIAB. (M)
LONG-T. LIABILITIES (B)
DEBT (B)
TOTAL CAPITAL (B)
2009201020112012201320142015201620172018201920202021202220232024
                               
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0000000000000000
0.40.230.250.260.30.520.70.710.751.141.271.131.171.290.820.85
0.940.940.940.940.950.950.950.950.991.021.081.081.111.111.021.27
3.091.850000000000000.260
4.433.011.191.191.251.471.651.661.742.162.342.22.272.392.092.13
4.433.011.191.191.251.471.651.661.742.162.342.22.272.392.092.13
                               
00000000000.740.740.740.740.741.22
000009.419.359.399.459.489.549.579.679.729.789.85
000001.083.295.336.818.9912.1210.6214.2516.7218.6621.64
4.84.314.334.585.97-0.01-0.03-0.04-0.05-0.03-0.06-0.08-0.07-0.03-0.04-0.04
0001-90-10-18-19-32-1254-93-33-23
4.84.314.334.585.9610.4812.614.6716.1918.4122.3320.8824.5827.0429.132.65
0000000000000000
6.191.62.072.263.092.813.743.814.294.14.724.695.325.776.335.36
0000000000000000
0000000000000000
0000000000000000
6.191.62.072.263.092.813.743.814.294.14.724.695.325.776.335.36
18.0730.9425.8927.8224.3227.4624.2820.1520.82419.8715.7814.5114.1915.9815.46
0000000000000000
6130000000000001070
18.0830.9525.8927.8224.3227.4624.2820.1520.82419.8715.7814.5114.1916.0915.46
24.2732.5527.9630.0827.4130.2728.0223.9625.0928.124.5820.4719.8219.9622.4220.82
29.0736.8632.2834.6633.3740.7540.6238.6341.2846.546.9241.3444.44751.5353.47
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Synchrony Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Synchrony Financial's financial health and stability.

Assets

Synchrony Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Synchrony Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Synchrony Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Synchrony Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (B)
NON-CASH ITEM (M)
PAID INTEREST (B)
PAID TAXES (B)
NET CASH FLOW FROM OPERATING ACTIVITIES (B)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (M)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (B)
NET CHANGE IN EQUITY (B)
CASH FLOW FROM FINANCING ACTIVITIES (B)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (B)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
2011201220132014201520162017201820192020202120222023
1.892.121.982.112.212.251.942.793.751.394.223.022.24
9683104131174219254302367383390419458
128-18-237-203-295389385-5323-602219-421-458
3.43.453.833.34.093.6566.34.856.322.273.686.36
0000000000000
00001.041.161.351.822.271.691.031.363.55
0.10.231.181.791.221.770.750.771.020.851.111.291.13
5.525.645.685.346.186.518.589.348.997.497.16.698.59
0000000000000
-1,570-6,452-1,066-10,068-10,803-13,364-9,542-19,036-261-498-4,814-10,234-14,234
-1,570-6,452-1,066-10,068-10,803-13,364-9,542-19,036-261-498-4,814-10,234-14,234
0000000000000
-5.051.93-3.493.05-3.12-4.170.633.18-4.15-4.11-1.28-0.331.78
0002.840-0.48-1.5-1.87-2.88-0.99-2.88-3.32-1.11
-2.980.96-3.6314.245.123.813.128.25-6.46-8.03-5.25.289.63
2.07-0.96-0.148.358.238.664.437.481.15-2.38-0.519.419.42
00000-214-446-534-581-562-542-476-448
0.970.150.999.510.5-3.052.15-1.442.27-1.04-2.921.743.99
5,5165,6375,6795,3406,1846,5118,5759,3428,9907,4877,0996,6948,593
0000000000000

Synchrony Financial stock margins

The Synchrony Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Synchrony Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Synchrony Financial.

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EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Synchrony Financial's sales revenue. A higher gross margin percentage indicates that the Synchrony Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Synchrony Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Synchrony Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Synchrony Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Synchrony Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Synchrony Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Synchrony Financial Margin History

Synchrony Financial Gross marginSynchrony Financial Profit marginSynchrony Financial EBIT marginSynchrony Financial Profit margin
2029e0 %64.61 %15.86 %
2028e0 %64.77 %16.01 %
2027e0 %47.1 %21.39 %
2026e0 %55.91 %19.36 %
2025e0 %57.08 %19.41 %
20240 %0 %14.18 %
20230 %0 %10.46 %
20220 %0 %16.97 %
20210 %0 %26.53 %
20200 %0 %8.15 %
20190 %0 %19.25 %
20180 %0 %15.29 %
20170 %0 %11.59 %
20160 %0 %14.89 %
20150 %0 %16.26 %
20140 %0 %16.57 %
20130 %0 %16.75 %
20120 %0 %19.63 %
20110 %0 %19.61 %
20100 %0 %13.73 %
20090 %0 %5.58 %

Synchrony Financial Stock Sales Revenue, EBIT, Earnings per Share

The Synchrony Financial earnings per share therefore indicates how much revenue Synchrony Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Synchrony Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Synchrony Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Synchrony Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Synchrony Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Synchrony Financial Revenue, EBIT and net profit per share

DateSynchrony Financial Sales per ShareSynchrony Financial EBIT per shareSynchrony Financial Earnings per Share
2029e44.14 undefined0 undefined7 undefined
2028e42.07 undefined0 undefined6.74 undefined
2027e48.71 undefined0 undefined10.42 undefined
2026e47.81 undefined0 undefined9.26 undefined
2025e45.04 undefined0 undefined8.74 undefined
202460.32 undefined0 undefined8.55 undefined
202349.58 undefined0 undefined5.19 undefined
202236.29 undefined0 undefined6.16 undefined
202127.68 undefined0 undefined7.34 undefined
202027.87 undefined0 undefined2.27 undefined
201928.87 undefined0 undefined5.56 undefined
201824.44 undefined0 undefined3.73 undefined
201720.87 undefined0 undefined2.42 undefined
201618.18 undefined0 undefined2.71 undefined
201516.29 undefined0 undefined2.65 undefined
201416.79 undefined0 undefined2.78 undefined
201314.23 undefined0 undefined2.38 undefined
201213 undefined0 undefined2.55 undefined
201111.61 undefined0 undefined2.28 undefined
201011.13 undefined0 undefined1.53 undefined
20098.66 undefined0 undefined0.48 undefined

Synchrony Financial business model

Synchrony Financial is a leading US provider of consumer credit and payment solutions. The company was spun off from GE Capital in 2014 and is headquartered in Stamford, Connecticut. Since its founding, the company has become one of the leading providers of credit card, financial, and payment services in the US. Synchrony Financial works with various retailers and other companies to offer a wide range of credit and financial solutions to customers in the US and Canada. Synchrony Financial is one of the most popular companies on Eulerpool.com.

Synchrony Financial SWOT Analysis

Strengths

Synchrony Financial boasts a strong market position and a wide range of financial products and services, enabling it to serve diverse customer needs effectively. The company has established successful partnerships with numerous top retailers, giving it a competitive advantage in the consumer financing sector. Its well-established brand and reputation for providing convenient and flexible payment solutions contribute to its strong customer base. Synchrony Financial's strong financial performance and ability to deliver consistent profitability are also key strengths.

Weaknesses

Synchrony Financial faces certain weaknesses that warrant attention. The company's heavy reliance on its retailer partners for a significant portion of its business exposes it to potential risks if any of those partnerships were to deteriorate or terminate. The ongoing technological advancements in the financial industry also pose a challenge for Synchrony Financial to continuously adapt and innovate in order to meet changing customer demands. Moreover, the company's business operations being concentrated in the United States make it vulnerable to any negative impacts on the domestic economy.

Opportunities

Synchrony Financial can capitalize on various opportunities in the market. Expanding its partnerships with more retailers, both domestically and internationally, would enable the company to diversify its customer base and increase its market share. The growing trend towards online and mobile payment solutions presents an opportunity for Synchrony Financial to invest in digital technologies and enhance its digital capabilities. Additionally, there is potential for the company to expand its financial services beyond consumer financing and venture into other areas such as small business lending or wealth management.

Threats

Synchrony Financial faces threats that could impact its operations. The increasing regulatory scrutiny in the financial industry poses a risk for the company, as any changes in regulations or compliance requirements could potentially affect its business practices and increase operational costs. Intensifying competition in the consumer financing sector, both from traditional financial institutions and emerging fintech companies, also presents a threat to Synchrony Financial's market position. Moreover, any economic downturn or financial instability could adversely impact consumer spending, leading to decreased demand for the company's financial products and services.

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Synchrony Financial Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Synchrony Financial historical P/E ratio, EBIT multiple, and P/S ratio

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Synchrony Financial shares outstanding

The number of shares was Synchrony Financial in 2024 — This indicates how many shares 400.6 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Synchrony Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Synchrony Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Synchrony Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Synchrony Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Synchrony Financial dividend history and estimates

In 2024, Synchrony Financial paid a dividend amounting to 1 undefined. Dividend means that Synchrony Financial distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
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Dividend

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Dividend Overview

The dividend per year chart for Synchrony Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Synchrony Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Synchrony Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Synchrony Financial Dividend History

DateSynchrony Financial Dividend
2029e1.25 undefined
2028e1.2 undefined
2027e1.81 undefined
2026e1.71 undefined
2025e0.28 undefined
2016e0.26 undefined
2025e0.85 undefined
20241 undefined
20230.96 undefined
20220.9 undefined
20210.88 undefined
20200.88 undefined
20190.86 undefined
20180.72 undefined
20170.56 undefined
2016e0.26 undefined

Synchrony Financial dividend payout ratio

In 2024, Synchrony Financial had a payout ratio of 16.14%. The payout ratio indicates the percentage of the company's profits that Synchrony Financial distributes as dividends.

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Payout ratio
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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Synchrony Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Synchrony Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Synchrony Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Synchrony Financial Payout Ratio History

DateSynchrony Financial Payout ratio
2029e17.89 %
2028e17.8 %
2027e17.38 %
2026e18.49 %
2025e17.52 %
202416.14 %
202321.8 %
202214.63 %
202111.99 %
202038.77 %
201915.47 %
201819.25 %
201728.63 %
20169.59 %
201521.8 %
201421.8 %
201321.8 %
201221.8 %
201121.8 %
201021.8 %
200921.8 %
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Unfortunately, there are currently no price targets and forecasts available for Synchrony Financial.

Synchrony Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20251.76 2.5  (41.74 %)2025 Q2
3/31/20251.69 1.89  (11.87 %)2025 Q1
12/31/20241.95 1.91  (-2.01 %)2024 Q4
9/30/20241.81 1.94  (7.15 %)2024 Q3
6/30/20241.36 1.55  (13.72 %)2024 Q2
3/31/20241.36 3.14  (130.05 %)2024 Q1
12/31/20230.94 1.03  (9.5 %)2023 Q4
9/30/20231.44 1.48  (2.51 %)2023 Q3
6/30/20231.26 1.32  (5.13 %)2023 Q2
3/31/20231.48 1.35  (-8.47 %)2023 Q1
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Eulerpool ESG Scorecard© for the Synchrony Financial stock

Eulerpool World ESG Rating (EESG©)

60/ 100

🌱 Environment

39

👫 Social

99

🏛️ Governance

41

Environment

Scope 1 - Direct Emissions
126
Scope 2 - Indirect emissions from purchased energy
17,606
Scope 3 - Indirect emissions within the value chain
16,769
Total CO₂ emissions
17,732
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees61
Percentage of women in management
Percentage of Asian employees7
Share of Asian management
Percentage of Hispanic/Latino employees17
Hispano/Latino Management share
Percentage of Black employees19
Black Management Share
Percentage of white employees50
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Synchrony Financial shareholders

%
Name
Stocks
Change
Date
12.05749 % The Vanguard Group, Inc.48,302,29262,2206/30/2025
9.81894 % Capital World Investors39,334,669-50,0006/30/2025
5.00513 % BlackRock Institutional Trust Company, N.A.20,050,531-1,376,8326/30/2025
4.71517 % State Street Global Advisors (US)18,888,983-181,3786/30/2025
2.54684 % Geode Capital Management, L.L.C.10,202,650-141,4196/30/2025
2.38914 % Managed Account Advisors LLC9,570,8783,540,3256/30/2025
1.87219 % PAR Capital Management, Inc.7,500,00006/30/2025
1.59130 % Dimensional Fund Advisors, L.P.6,374,766-72,8516/30/2025
1.34836 % First Trust Advisors L.P.5,401,530-1,429,4046/30/2025
1.26066 % Columbia Threadneedle Investments (US)5,050,194375,5406/30/2025
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Synchrony Financial Executives and Management Board

Mr. Brian Doubles

(49)
Synchrony Financial President, Chief Executive Officer, Director (since 2014)
Compensation 19.18 M

Mr. Brian Wenzel

(56)
Synchrony Financial Chief Financial Officer, Executive Vice President
Compensation 5.74 M

Ms. Carol Juel

(51)
Synchrony Financial Executive Vice President, Chief Technology and Operating Officer
Compensation 5.46 M

Mr. Jonathan Mothner

(60)
Synchrony Financial Executive Vice President, Chief Risk and Legal Officer
Compensation 4.93 M

Mr. Curtis Howse

(60)
Synchrony Financial Executive Vice President, Chief Executive Officer - Home and Auto
Compensation 4.51 M
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Synchrony Financial Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Sleep Number Stock
Sleep Number
SupplierCustomer0,820,290,420,840,820,62
Conn's Stock
Conn's
SupplierCustomer0,730,420,530,740,790,93
At Home Group Inc Stock
At Home Group Inc
SupplierCustomer0,690,43-0,60-0,87-0,85
Alphabet Inc. Stock
Alphabet Inc.
SupplierCustomer0,680,30-0,070,570,300,89
Old COPPER Company Inc Stock
Old COPPER Company Inc
SupplierCustomer0,58-0,09-0,060,76
The TJX Companies, Inc. Stock
The TJX Companies, Inc.
SupplierCustomer0,570,680,870,910,610,86
Qurate Retail A Stock
Qurate Retail A
SupplierCustomer0,500,180,700,920,840,68
PayPal Holdings Stock
PayPal Holdings
SupplierCustomer0,480,070,070,860,840,43
The Gap, Inc. Stock
The Gap, Inc.
SupplierCustomer0,440,550,400,760,740,60
The Progressive Corporation Stock
The Progressive Corporation
SupplierCustomer0,27-0,24-0,41-0,68-0,800,34
1
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Most common questions regarding Synchrony Financial

What values and corporate philosophy does Synchrony Financial represent?

Synchrony Financial represents a strong set of values and a corporate philosophy focused on customer-centricity, innovation, and expertise. Committed to delivering exceptional financial services, the company prioritizes creating meaningful partnerships with its customers and helping them achieve their financial goals. Synchrony Financial believes in providing seamless digital experiences and personalized solutions. With a commitment to responsible lending and sustainable practices, the company aims to promote financial inclusion for all. Synchrony Financial's dedication to excellence, trust, and integrity makes it a reputable player in the financial industry.

In which countries and regions is Synchrony Financial primarily present?

Synchrony Financial is primarily present in the United States, serving customers across all 50 states. With its headquarters in Stamford, Connecticut, the company provides financial services to a diverse range of customers, including individuals, retailers, and merchants. As one of America's largest consumer financial services companies, Synchrony Financial has built a strong presence throughout the nation, offering various credit solutions, banking services, and savings products tailored to meet the needs of American consumers.

What significant milestones has the company Synchrony Financial achieved?

Synchrony Financial has accomplished several significant milestones. As a leading consumer financial services company, Synchrony has achieved consistent growth and success over the years. It became a standalone company in 2014 after separating from General Electric. Since then, it has expanded its capabilities and strengthened its position in the market. Synchrony Financial has also established strategic partnerships with numerous well-known brands, enabling it to provide customized financial solutions to their customers. Moreover, the company has been recognized for its commitment to innovation and customer service, earning accolades such as being named one of the World's Most Admired Companies by Fortune magazine.

What is the history and background of the company Synchrony Financial?

Synchrony Financial, a leading consumer financial services company, has a rich history and background. Established in 2003 as a subsidiary of General Electric, Synchrony Financial became an independent company in 2014 when it completed its initial public offering. With its headquarters in Stamford, Connecticut, Synchrony Financial offers a wide range of financial products and services, including credit cards, installment lending, and savings products. The company partners with various retailers nationwide, providing customized credit programs to their customers. Synchrony Financial has grown to become one of the largest providers of private label credit cards in the United States, serving millions of consumers and businesses.

Who are the main competitors of Synchrony Financial in the market?

Synchrony Financial faces competition from various companies operating in the financial services industry. Some of the main competitors of Synchrony Financial include American Express, Capital One Financial, Discover Financial Services, and PayPal Holdings. These companies are also significant players in the market, offering similar products and services such as credit cards, consumer loans, and payment solutions. Synchrony Financial aims to distinguish itself through its customer-focused approach, tailored financing options, and strategic partnerships with retailers across various industries.

In which industries is Synchrony Financial primarily active?

Synchrony Financial is primarily active in the financial services industry.

What is the business model of Synchrony Financial?

Synchrony Financial operates under the business model of providing consumer financial services. As a leading consumer financial services company, Synchrony offers a range of credit products and promotional financing solutions for retail partners across various industries. Their business model revolves around partnering with retailers, healthcare providers, and other businesses to offer consumers financing options, such as private label credit cards, installment loans, and loyalty programs. Synchrony Financial aims to help businesses drive sales and build customer loyalty by providing convenient and flexible financing solutions, ultimately enriching the shopping experience for consumers.

What is the P/E ratio of Synchrony Financial 2025?

The P/E ratio cannot be calculated for Synchrony Financial at the moment.

What is the P/S ratio of Synchrony Financial 2025?

The P/S cannot be calculated for Synchrony Financial currently.

What is the Quality Investing of Synchrony Financial?

The Quality Investing for Synchrony Financial is 6/10.

What is the revenue of Synchrony Financial 2025?

The expected Synchrony Financial revenue is 18.04 B USD.

How high is the profit of Synchrony Financial 2025?

The expected Synchrony Financial profit is 3.5 B USD.

What is the business model of Synchrony Financial

Synchrony Financial is a financial company that offers various financial products and services. Its business model focuses on three core areas: credit cards, consumer loans, and deposits. The company partners with retailers to issue private label credit cards, providing discounts, loyalty rewards, and other benefits. Additionally, Synchrony Financial offers consumer loans for major purchases and special medical expense loans. The company also provides deposit products such as savings and checking accounts and CDs. Synchrony Financial utilizes innovative technologies, like the Synchrony Digital Suite, to enhance the customer experience. It prioritizes compliance and customer support, managing risks and adhering to regulations. In summary, Synchrony Financial aims to meet a wide range of customer needs through its diverse financial products and services, emphasizing innovation, technology, compliance, and customer support to foster trust and loyalty.

What is the Synchrony Financial dividend?

Synchrony Financial pays a dividend of 0.9 USD distributed over 4 payouts per year.

How often does Synchrony Financial pay dividends?

Synchrony Financial pays out a dividend 4 times a year.

What is the Synchrony Financial ISIN?

The ISIN of Synchrony Financial is US87165B1035.

What is the Synchrony Financial WKN?

The WKN of Synchrony Financial is A117UJ.

What is the Synchrony Financial ticker?

The ticker of Synchrony Financial is SYF.

How much dividend does Synchrony Financial pay?

Over the past 12 months, Synchrony Financial paid a dividend of 1 USD . This corresponds to a dividend yield of about . For the coming 12 months, Synchrony Financial is expected to pay a dividend of 1.71 USD.

What is the dividend yield of Synchrony Financial?

The current dividend yield of Synchrony Financial is .

When does Synchrony Financial pay dividends?

Synchrony Financial pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of Synchrony Financial?

Synchrony Financial paid dividends every year for the past 14 years.

What is the dividend of Synchrony Financial?

For the upcoming 12 months, dividends amounting to 1.71 USD are expected. This corresponds to a dividend yield of 2.29 %.

In which sector is Synchrony Financial located?

Synchrony Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Synchrony Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Synchrony Financial from 8/15/2025 amounting to 0.3 USD, you needed to have the stock in your portfolio before the ex-date on 8/5/2025.

When did Synchrony Financial pay the last dividend?

The last dividend was paid out on 8/15/2025.

What was the dividend of Synchrony Financial in the year 2024?

In the year 2024, Synchrony Financial distributed 0.96 USD as dividends.

In which currency does Synchrony Financial pay out the dividend?

The dividends of Synchrony Financial are distributed in USD.

All fundamentals about Synchrony Financial

Our stock analysis for Synchrony Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Synchrony Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.