Synchrony Financial (SYF) is a Financials stock trading at $76.69 (as of 2026-08-20), with a market capitalization of $25.84B and a trailing P/E of 7.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
Synchrony Financial provides consumer financial services in the United States, including credit products (credit cards, installment loans, and co-branded and private label cards) and deposit products (CDs, IRAs, money market and savings accounts). It makes money from the net revenue generated by its consumer credit activities and from revenue sharing arrangements with partners (RSAs).
Synchrony’s profit engine depends on net revenue from consumer credit products, plus partner-linked revenue sharing arrangements (RSAs), including revenue share and revenue schedule adjustments.
| Net revenue | $3.8B |
| RSAs | $1.1B |
Business quality (Mixed): The provided data supports a limited view of the profit model, with operating KPI detail focused on RSAs. A clean, fully complete segment breakdown to exactly total revenue is not shown in the inputs.
Valuation: At 8× earnings, SYF trades 36% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $76.69 |
| Market Cap | $25.84B |
| P/E Ratio | 7.2 |
| EV / EBITDA | 4.4 |
| Price / Book | 1.53 |
| Price / Sales | 1.19 |
| DCF Value (model) | $136.58 |
| DCF Upside vs Price | 78.1% |
| Revenue (TTM) | $21.70B |
| Net Margin | 16.4% |
| Revenue Growth (YoY) | 0.5% |
| EPS Growth (YoY) | 8.6% |
| Stock P/E | 7.2 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -52.2% |
| vs Industry | -44.0% |
| Top Institutional Holder | VANGUARD GROUP INC ($3.82B) |
| Institutional Holders Tracked | 10 |
| Congressional Trades (recent) | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Brian D. Doubles |
| Employees | 20,000 |
| Country | US |
| IPO Date | 2014-07-31 |
Data as of 2026-08-20.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.