Synchrony Financial

Synchrony Financial

SYF

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Market Cap$24.66B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Synchrony FinancialSynchrony Financial7.71.58%21%1.21

Earnings Call Q2 2026

July 21, 2026 - AI Summary

Strong demand + accelerating credit performance (good): - Purchase volume +8% YoY to ~$50B (all-time high). Management cited broad-based growth across all five sales platforms, including 8% growth in spend and strong engagement. - Average active accounts inflected to growth and new accounts grew; customer discretionary resilience noted even with higher gas prices. - Co-branded cards driving scale: consumer/commercial dual cards were 52% of total purchase volume, +23% YoY; partner expansion continued (renewed/added 15+ partners in the quarter).
Earnings + profitability snapshot (good, but with margin pressure): - Net earnings $885M (EPS $2.59); ROA 2.9%, ROTE 25.2%, and tangible book value per share +8%. - Credit quality improved: net charge-off rate 5.43% (down 27 bps YoY, from 5.7% prior year). Allowance ratio 10.09% (down ~33 bps QoQ and 50 bps vs prior year). - Efficiency worsened: efficiency ratio 35.8% (up 170 bps YoY) driven by higher RSAs/operating expenses.
NII / NIM story: margin is low and expected to build (mixed; key investor watch item): - Net interest income +2% YoY to $4.6B, but NIM decreased sequentially: 15.08% (up 30 bps YoY, down 42 bps QoQ). - Management emphasized late-fee dynamics and seasonality: late fees troughing as delinquency reaches seasonal lows, plus mix shifts and pre-funding patterns. - Back-half expectation: NIM expected to build as late-fee headwinds abate and growth/portfolio seasoning matures.

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$88.25

Target Price by Analysts

13.4% upsideSynchrony Financial Target Price DetailsTarget Price
$182.77

Current Fair Value

134.8% upside

Undervalued by 134.8% based on the discounted cash flow analysis.

Share Statistics

Market cap$24.66 Billion
Enterprise Value$24.90 Billion
Dividend Yield$1.20 (1.58%)
Earnings per Share$9.35
Beta1.31
Outstanding Shares331,300,000

Return

Return on Equity20.94%ROE
Return on Assets2.90%
Return on Invested Capital22.91%

Valuation & Multiples

P/E Ratio7.69P/E Ratio
PEG-119.21PEG
Price to Sales1.24Price to Sales
Price to Book Ratio1.53Price to Book Ratio
Enterprise Value to Revenue1.19
Enterprise Value to EBIT3.26
Enterprise Value to Net Income7
Total Debt to Enterprise0.66
Debt to Equity0.97Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 28, 2026
EPS Estimate
$2.14
Average shareholder expectation
Revenue Estimate
$3.77 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 21, 2026
EPS Estimate
$2.40
Average shareholder expectation
Revenue Estimate
$3.83 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 65.65%
Total Calls4,600▼ 99.74%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %6.29%▼ 90.63%
Total Invested$1.64B▼ 93.06%
Investors Holding379▼ 617.00%

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.