SYF
VENTE TOTALE: 4 000 titres (~308 680,00 $ US)
- Insiders
- COVIELLO ARTHUR W JR
- Total bought
- —
- Total sold
- $308,680
- Last activity
- 2026-08-03
- Last synced
-
2026-08-09 12:58:10
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-06
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.
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
Valuation
Market cap ▲+15.8%EV / Sales ▲+23.1%EV / EBITDA ▲+11.1%EV / Op. cash flow ▲+0.359Earnings yield ▼-0.017Graham number ▲+11.174
Profitability
Return on equity ▲+0.001Return on assets ▲+0.001Return on invested capital +0.000Return on capital employed +0.000Operating ROA +0.000Income quality ▼-0.041Tax burden +0.000
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.003Net debt / EBITDA ▼-0.108Working capital ▲+449000000.000Invested capital ▲+939000000.000Intangibles / Total assets ▲+0.004
Change over 5 years
Valuation
Market cap ▲+14.0%EV / Sales ▼-45.5%EV / EBITDA ▲+6.6%EV / Op. cash flow ▼-1.507Earnings yield ▼-0.042Graham number ▲+38.511
Profitability
Return on equity ▼-0.097Return on assets ▼-0.014Return on invested capital ▼-0.056Return on capital employed ▼-0.074Operating ROA ▼-0.019Income quality ▲+1.092Tax burden ▲+0.002
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.012Net debt / EBITDA ▼-1.006Working capital ▼-9857000000.000Invested capital ▼-9512000000.000Intangibles / Total assets ▼-0.002
Employee count
Peer market caps
Congressional trades
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 |
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.