Synchrony Financial

Synchrony Financial

SYF

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Market Cap$24.03B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Synchrony FinancialSynchrony Financial6.81.68%22%1.11

Earnings Call Q1 2026

April 21, 2026 - AI Summary

Strong Financial Performance: Synchrony Financial reported a record first-quarter purchase volume of $43 billion, a 6% year-over-year increase. Average active accounts showed sequential improvement with a 20% growth in co-branded credit card purchases, underscoring healthy consumer engagement across its diversified portfolio.
Positive Outlook for Loan Growth: The company forecasts mid-single-digit growth in ending loan receivables by year-end, driven by higher purchase volumes and improved acquisition rates. The backlog of new accounts from partnerships, including prominent names like Lowe's and Bob's Discount Furniture, is expected to boost borrowing activity in the second half of the year.
Credit Performance Improvement: Net charge-off rates are expected to remain below 5.5%, an improvement compared to previous expectations, highlighting a resilient consumer base. However, while payment rates increased to 16.3%, there are concerns that this could reflect a permanently higher level due to shifts in product mix, potentially impacting future loan growth.

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$82.40

Target Price by Analysts

19.9% upsideSynchrony Financial Target Price DetailsTarget Price
$181.35

Current Fair Value

163.9% upside

Undervalued by 163.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$24.03 Billion
Enterprise Value$19.90 Billion
Dividend Yield$1.20 (1.68%)
Earnings per Share$9.35
Beta1.36
Outstanding Shares342,400,000

Return

Return on Equity21.85%ROE
Return on Assets2.96%
Return on Invested Capital6.34%

Valuation & Multiples

P/E Ratio6.79P/E Ratio
PEG107.16PEG
Price to Sales1.13Price to Sales
Price to Book Ratio1.43Price to Book Ratio
Enterprise Value to Revenue0.95
Enterprise Value to EBIT2.58
Enterprise Value to Net Income5
Total Debt to Enterprise0.83
Debt to Equity1Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
April 28, 2026
EPS Estimate
$2.13
Average shareholder expectation
Revenue Estimate
$3.80 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 21, 2026
EPS Estimate
$2.11
Average shareholder expectation
Revenue Estimate
$3.74 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.6565▲ 27.98%
Total Calls1,800,615▼ 62.18%
Total Puts1,182,132▼ 34.10%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %96.88%▼ 4.19%
Total Invested$23.58B▼ 21.78%
Investors Holding987▼ 47.00%

ESG Score

No data

About Synchrony Financial

16,500 employees
CEO: Alberto Casellas

Relevant Senate Committees

Joint Committee on Taxation

This committee directly assists in developing tax legislation and provides revenue estimates, which critically impacts Synchrony Financial's corporate tax burden and financial planning.

Finance

As the primary committee for taxation and economic policy, it directly influences corporate profitability through tax laws and impacts the retail sector (a key partner for Synchrony Financial) through trade and entitlement policies.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including consumer protection and credit regulation, making it a primary oversight body for Synchrony Financial.

Commerce, Science, and Transportation

This committee oversees the FTC, which has significant regulatory authority over consumer protection, advertising, and fair credit practices, directly impacting Synchrony Financial's core business.