SYF
Neutral signalScored 2026-08-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Synchrony Financial
- Nom
- Synchrony Financial
- Secteur
- Financial Services
- Industrie
- Financial - Credit Services
- Bourse
- NYSE
- Capitalisation
- $24.3B
- Employés
- 20,000
- PDG
- Brian D. Doubles
- Site web
- https://www.synchrony.com
- Marché
- AFRMATLCAXPBFHCACCCOF
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 4 000 titres (~308 680,00 $ US)
- Insiders
- COVIELLO ARTHUR W JR
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$847,288
Avg sell (VWAP, 90d window) $78.55 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$847,288 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-03
- Last synced
-
2026-08-09 12:58:10
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-13 | Casellas Alberto | Sell · S · 10b5-1 | 5,456 | $80.00 | $436,480 | Form 4 |
| 2026-08-03 | COVIELLO ARTHUR W JR | Sell · S · 10b5-1 | 4,000 | $77.17 | $308,680 | Form 4 |
| 2026-08-03 | Gentleman Courtney | Sell · S · 10b5-1 | 721 | $76.73 | $55,322 | Form 4 |
| 2026-08-03 | Owens Darrell | Sell · S · 10b5-1 | 610 | $76.73 | $46,805 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-06-02 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2026-04-09 | Josh Gottheimer | Sale | $15,001 - $50,000 |
| 2025-07-02 | Julia Letlow | Purchase | $1,001 - $15,000 |
| 2023-11-03 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-05-23 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-05-19 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-04-25 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Sale | $1,001 - $15,000 |
| 2023-04-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-03-24 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-03-23 | Ann Wagner | Purchase | $100,001 - $250,000 |
| 2022-11-08 | Kurt Schrader | Purchase | $1,001 - $15,000 |
| 2022-08-03 | Kathy Manning | Sale (Full) | $1,001 - $15,000 |
| 2022-07-20 | Kathy Manning | Purchase | $1,001 - $15,000 |
| 2022-06-27 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-06-17 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-06-16 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-05-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-04-28 | Zoe Lofgren | Sale (Full) | $1,001 - $15,000 |
| 2022-04-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-04-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-01-20 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2021-09-30 | Susie Lee | Sale (Full) | $1,001 - $15,000 |
| 2021-09-30 | Zoe Lofgren | Purchase | $1,001 - $15,000 |
| 2021-06-28 | Susie Lee | Purchase | $1,001 - $15,000 |
| 2021-04-14 | James French Hill | Sale (Full) | $15,001 - $50,000 |
| 2021-02-16 | Peter Meijer | Purchase | $15,001 - $50,000 |
| 2021-02-05 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-04-29 | Gilbert Cisneros | Sale (Full) | $1,001 - $15,000 |
| 2020-04-02 | Dean Phillips | Sale (Partial) | $1,001 - $15,000 |
| 2020-03-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-01-22 | Dean Phillips | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-08-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
SYF presents a mixed profile: improving profitability trends and a meaningful catalyst stack (Q2 beat, Strong Buy upgrade, Stripe/CareCredit partnership) provide a constructive near-term setup, but the structural…
The first sentence of the analysis written for SYF on 2026-08-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $411K) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $411K) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.21 · operating margin 24% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.0% | 45.2% | 44.2% | 62.9% | 84.3% | |
| Ebit Margin | 24.2% | 21.9% | 16.7% | 30.0% | 49.0% | |
| Ebitda Margin | 26.9% | 24.2% | 19.4% | 33.2% | 52.5% | |
| Operating Profit Margin | 24.2% | 21.9% | 16.7% | 30.0% | 49.0% | |
| Pretax Profit Margin | 24.2% | 21.9% | 16.7% | 30.0% | 49.0% | |
| Continuous Operations Profit Margin | 18.6% | 16.9% | 12.9% | 22.9% | 37.6% | |
| Net Profit Margin | 18.6% | 16.9% | 12.9% | 22.9% | 37.6% | |
| Bottom Line Profit Margin | 18.1% | 16.5% | 12.7% | 22.5% | 37.2% | |
| Current Ratio | 0.213 | 0.217 | 0.223 | 0.196 | 0.202 | |
| Quick Ratio | 0.213 | 0.217 | 0.223 | 0.196 | 0.202 | |
| Solvency Ratio | 0.040 | 0.039 | 0.026 | 0.037 | 0.056 | |
| Cash Ratio | 0.185 | 0.179 | 0.176 | 0.133 | 0.123 | |
| Price To Earnings Ratio | 8.923 | 7.523 | 7.330 | 5.309 | 6.269 | |
| Price To Earnings Growth Ratio | 1.086 | 0.114 | -0.463 | -0.325 | 0.028 | |
| Forward Price To Earnings Growth Ratio | 1.086 | 0.114 | -0.463 | -0.325 | 0.028 | |
| Price To Earnings Diluted Ratio | 8.981 | 7.602 | 7.358 | 5.343 | 6.320 | |
| Price To Earnings Diluted Growth Ratio | 1.038 | 0.117 | -0.471 | -0.330 | 0.028 | |
| Price To Book Ratio | 1.781 | 1.554 | 1.157 | 1.226 | 1.918 | |
| Price To Sales Ratio | 1.562 | 1.242 | 0.928 | 1.196 | 2.334 | |
| Price To Free Cash Flow Ratio | 3.031 | 2.617 | 1.872 | 2.358 | 3.690 | |
| Price To Operating Cash Flow Ratio | 3.031 | 2.617 | 1.872 | 2.358 | 3.690 | |
| Debt To Assets Ratio | 0.127 | 0.129 | 0.136 | 0.136 | 0.152 | |
| Debt To Equity Ratio | 0.906 | 0.933 | 1.150 | 1.102 | 1.062 | |
| Debt To Capital Ratio | 0.475 | 0.483 | 0.535 | 0.524 | 0.515 | |
| Long Term Debt To Capital Ratio | 0.475 | 0.483 | 0.535 | 0.524 | 0.515 | |
| Financial Leverage Ratio | 7.103 | 7.205 | 8.450 | 8.123 | 7.012 | |
| Working Capital Turnover Ratio | -0.298 | -0.326 | -0.276 | -0.227 | -0.219 | |
| Operating Cash Flow Ratio | 0.121 | 0.120 | 0.106 | 0.086 | 0.105 | |
| Operating Cash Flow Sales Ratio | 0.515 | 0.474 | 0.496 | 0.507 | 0.632 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 0.983 | 0.859 | 0.726 | 2.258 | 4.468 | |
| Interest Coverage Ratio | 1.118 | 0.983 | 0.783 | 2.605 | 5.332 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.649 | 0.637 | 0.538 | 0.472 | 0.489 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 19.316 | 20.953 | 19.181 | 14.063 | 13.098 | |
| Dividend Payout Ratio | 0.144 | 0.134 | 0.200 | 0.158 | 0.128 | |
| Enterprise Value Multiple | 5.855 | 5.269 | 5.297 | 4.493 | 5.492 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.0% | ▲5.8% | ▼-6.5% |
| Ebit Margin | 24.2% | ▲2.2% | ▼-4.2% |
| Ebitda Margin | 26.9% | ▲2.6% | ▼-4.4% |
| Operating Profit Margin | 24.2% | ▲2.2% | ▼-4.2% |
| Pretax Profit Margin | 24.2% | ▲2.2% | ▼-4.2% |
| Continuous Operations Profit Margin | 18.6% | ▲1.7% | ▼-3.2% |
| Net Profit Margin | 18.6% | ▲1.7% | ▼-3.2% |
| Bottom Line Profit Margin | 18.1% | ▲1.6% | ▼-3.3% |
| Current Ratio | 0.213 | ▼-0.003 | ▲0.003 |
| Quick Ratio | 0.213 | ▼-0.003 | ▲0.003 |
| Solvency Ratio | 0.040 | ▲0.001 | ▲0.000 |
| Cash Ratio | 0.184 | ▲0.005 | ▲0.025 |
| Price To Earnings Ratio | 8.923 | ▲1.400 | ▲1.852 |
| Price To Earnings Growth Ratio | 1.086 | ▲0.972 | ▲0.998 |
| Forward Price To Earnings Growth Ratio | 1.086 | ▲0.972 | ▲0.998 |
| Price To Earnings Diluted Ratio | 8.981 | ▲1.378 | ▲1.860 |
| Price To Earnings Diluted Growth Ratio | 1.038 | ▲0.920 | ▲0.961 |
| Price To Book Ratio | 1.781 | ▲0.226 | ▲0.253 |
| Price To Sales Ratio | 1.562 | ▲0.320 | ▲0.110 |
| Price To Free Cash Flow Ratio | 3.031 | ▲0.414 | ▲0.317 |
| Price To Operating Cash Flow Ratio | 3.031 | ▲0.414 | ▲0.317 |
| Debt To Assets Ratio | 0.128 | ▼-0.002 | ▼-0.009 |
| Debt To Equity Ratio | 0.905 | ▼-0.027 | ▼-0.125 |
| Debt To Capital Ratio | 0.475 | ▼-0.007 | ▼-0.031 |
| Long Term Debt To Capital Ratio | 0.475 | ▼-0.007 | ▼-0.031 |
| Financial Leverage Ratio | 7.103 | ▼-0.102 | ▼-0.475 |
| Working Capital Turnover Ratio | -0.298 | ▲0.028 | ▼-0.029 |
| Operating Cash Flow Ratio | 0.121 | ▲0.001 | ▲0.014 |
| Operating Cash Flow Sales Ratio | 0.515 | ▲0.041 | ▼-0.010 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | 0.983 | ▲0.124 | ▼-0.876 |
| Interest Coverage Ratio | 1.117 | ▲0.135 | ▼-1.046 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.649 | ▲0.012 | ▲0.092 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Dividend Paid And Capex Coverage Ratio | 19.316 | ▼-1.637 | ▲1.994 |
| Dividend Payout Ratio | 0.144 | ▲0.009 | ▼-0.009 |
| Enterprise Value Multiple | 5.855 | ▲0.586 | ▲0.574 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $29.85B | $25.77B | $16.09B | $15.79B | $26.19B | |
| Enterprise value | $30.06B | $26.52B | $17.81B | $19.68B | $32.36B | |
| EV / Sales | 1.57x | 1.28x | 1.03x | 1.49x | 2.88x | |
| EV / Op. cash flow | 3.05x | 2.69x | 2.07x | 2.94x | 4.56x | |
| EV / Free cash flow | 3.05x | 2.69x | 2.07x | 2.94x | 4.56x | |
| EV / EBITDA | 5.86x | 5.27x | 5.30x | 4.49x | 5.49x | |
| Net debt / EBITDA | 0.04x | 0.15x | 0.51x | 0.89x | 1.05x | |
| Current ratio | 0.21x | 0.22x | 0.22x | 0.20x | 0.20x | |
| Income quality | 2.77x | 2.81x | 3.84x | 2.22x | 1.68x | |
| Graham number | $102 | $91 | $63 | $62 | $64 | |
| Graham net-net | -$238 | -$215 | -$203 | -$159 | -$121 | |
| Tax burden | 76.9% | 76.9% | 77.1% | 76.1% | 76.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$63.82B | -$64.27B | -$63.09B | -$62.33B | -$53.97B | |
| Invested capital | -$61.20B | -$62.14B | -$61.26B | -$60.48B | -$51.69B | |
| Return on assets | 3.0% | 2.9% | 1.9% | 2.9% | 4.4% | |
| Operating ROA | 3.9% | 3.8% | 2.6% | 4.0% | 5.7% | |
| Return on tangible assets | 3.0% | 3.0% | 1.9% | 2.9% | 4.5% | |
| Return on equity | 21.2% | 21.1% | 16.1% | 23.4% | 30.9% | |
| Return on invested capital | 9.4% | 9.4% | 6.2% | 11.1% | 15.0% | |
| Return on capital employed | 12.2% | 12.2% | 8.0% | 14.6% | 19.5% | |
| Earnings yield | 11.9% | 13.6% | 13.9% | 19.1% | 16.1% | |
| Free cash flow yield | 33.0% | 38.2% | 53.4% | 42.4% | 27.1% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 13.6% | 11.3% | 13.9% | 16.4% | 17.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 2.2% | 1.8% | 1.6% | 1.8% | 2.4% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-07 2 Preferred Stocks That Put You First In Line Preferred stocks put you ahead of common shareholders when claiming dividends from the company''s cash flows. Being higher in the capital structure, preferred stocks are relatively immune to the day-to-day factors that affect a company. Buying high-quality preferred stocks at discounted prices sets you up for solid total returns, with hefty waiting fees.
- 2026-08-06 Synchrony''s CareCredit Expands Access to Financing for Health & Wellness Providers with New Stripe Partnership Health and wellness providers and retailers using Stripe can soon offer CareCredit to customers directly within their existing payment platform, making it easier to offer trusted financing while expanding access for more than 12 million CareCredit cardholders. Key Highlights: Simplified Provider Experience: Health and wellness providers using Stripe will soon be able to activate CareCredit directly online within the payment platform they already use, with no additional integration required.
- 2026-08-01 Bank of America Corp DE Has $1.09 Billion Stock Position in Synchrony Financial $SYF Bank of America Corp DE cut its position in Synchrony Financial (NYSE: SYF) by 0.6% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 16,064,618 shares of the financial services provider''s stock after selling 93,492 shares during the quarter. Bank of
- 2026-07-31 Synchrony Financial: Powerful Buyback And Stable Credit Create Opportunity (Upgrade) Synchrony Financial is upgraded to a "Strong Buy" due to stable credit trends, robust capital returns, and undervaluation. Q2 earnings of $2.59 beat estimates; purchase volumes rose 8%, and loan receivables grew 2% despite high payment rates. SYF''s CET1 ratio increased to 13.2%, supporting aggressive buybacks and a 13+% capital return yield through dividends and repurchases.
- 2026-07-30 Summer Is On! Flexible Payments Help Consumers Keep It That Way Key Highlights New Synchrony research finds six in ten consumers say flexible payment options help make summer activities and purchases possible Half of consumers have applied or plan to apply for financing for their summer leisure spending Consumers are planning to spend on travel, dining, clothing, entertainment and home improvement while actively looking for value, rewards and ways to manage their budgets STAMFORD, Conn., July 30, 2026 /PRNewswire/ -- Summer spending is heating up, but consumers are keeping their cool by planning ahead and leaning into financing flexibility.
- 2026-07-27 Entropy Technologies LP Takes $2.54 Million Position in Synchrony Financial $SYF Entropy Technologies LP bought a new stake in shares of Synchrony Financial (NYSE: SYF) during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund bought 37,313 shares of the financial services provider''s stock, valued at approximately $2,538,000. Several other institutional investors and
- 2026-07-24 Andra AP fonden Sells 254,599 Shares of Synchrony Financial $SYF Andra AP fonden lowered its stake in shares of Synchrony Financial (NYSE: SYF) by 87.7% during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor owned 35,701 shares of the financial services provider''s stock after selling 254,599 shares during the period.
- 2026-07-24 Bessemer Group Inc. Buys 9,303 Shares of Synchrony Financial $SYF Bessemer Group Inc. boosted its stake in Synchrony Financial (NYSE: SYF) by 108.1% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 17,909 shares of the financial services provider''s stock after purchasing an additional 9,303 shares during the quarter. Bessemer Group
- 2026-07-22 3 Ways Card Issuers Are Looking Beyond Credit Scores Capital One and Synchrony earnings results this week highlight a consumer credit market that is becoming more segmented: lenders are drawing finer distinctions within credit tiers, millions of new accounts are still being opened and card products are increasingly being matched to both a borrower''s credit profile and expected spending behavior.
- 2026-07-22 Synchrony Financial To Rally Around 25%? Here Are 10 Top Analyst Forecasts For Wednesday Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our analyst ratings page.