Synchrony Financial
NYSE: SYF
Stock price
73.72 USD
(+49.86%) 5 years
Financial Performance
5Y price score: 73
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 190.1%
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63.0
52-week range
88.7
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
38.2 %
Dividend Yield TTM
1.7 %
Market cap $
$ 23,985
Price / Earnings TTM
7.7
Price / Book TTM
1.4
PEG TTM
0.9
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
2.5 %
59.8 %
190.1 %
Free cash flow per share growth
11.5 %
117.2 %
271.9 %
Earnings per share growth
(6.3) %
309.3 %
250.6 %
Founded: 2,003
Employees: 20,000
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q3 (Oct 20, 2026)
1) Strong Purchase Volume Growth - Synchrony reported record third quarter purchase volume of nearly $50 billion, an 8% increase YoY. - Growth was broad-based across all five sales platforms, with notable increases in the Diversified and Value platform (13%), Home and Auto (9%), and Lifestyle (6%). - Co-branded card spend surged by 23%, driven by new programs and enhanced value propositions. - Younger demographics, particularly Gen Z and millennials, showed the fastest growth in spending.
2) Solid Financial Performance - Net earnings reached $892 million, translating to $2.68 per diluted share, with a return on average assets of 2.9% and return on tangible common equity of 25.2%. - Ending loan receivables grew 3% to $103 billion, despite elevated payment rates of 16.9%. - Net interest income increased by 2% to $4.8 billion, although net interest margin decreased by 12 basis points to 15.5% due to various factors including a decline in loan receivable yield.
3) Operational Challenges and Strategic Initiatives - The efficiency ratio rose to 35.9%, driven by increased operational losses and technology investments. - Synchrony is investing in AI and digital wallet capabilities, including partnerships with Stripe and Vetspire, to enhance customer experience and streamline payment processes. - The introduction of CareCredit Pay Later aims to provide more financing options in the health and wellness sector.
4) Guidance and Market Outlook - For 2026, Synchrony expects diluted earnings per share to reach approximately $9.50, reflecting strong performance despite macroeconomic challenges. - The company anticipates mid-single-digit growth in loan receivables and net interest income increases, with net charge-offs expected to remain below 5.5%. - The holiday shopping season is projected to be robust, with retailers gearing up for increased promotional activities.
5) Missing Information - The transcript lacks specific details on competitive pressures and the impact of macroeconomic factors on consumer behavior, which could provide deeper insights into future performance.
Bottom line: Synchrony Financial is demonstrating strong growth across its platforms and maintaining solid financial performance, positioning itself well for future earnings growth despite operational challenges and a dynamic consumer landscape. Shareholders can expect continued investment in technology and strategic partnerships to drive long-term value.
Annual Reports, Presentations And IR Contacts
Go to the websiteSynchrony Financial — Financial Overview, Stock Price, Market Cap
Synchrony Financial is a company. Founded in 2003. As of October 23, 2026, the company's market capitalization is $23984711471 with a current stock price of $73.72.