Synchrony Financial
General ticker "SYF-PA" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $26.0B (TTM average)
Synchrony Financial follows the US Stock Market performance with the rate: 1.9%.
Estimated limits based on current volatility of 0.9%: low 19.07$, high 19.41$
Factors to consider:
- Company included in S&P500 list
- Company pays dividends (irregularly): last record date 2026-05-05, amount 0.35$ (Y1.81%)
- Total employees count: 20000 (0.0%) as of 2025
- Top business risk factors: Economic downturns and volatility, Partner concentration loss, US market focus, Liquidity and credit risks
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [19.28$, 30.55$]
- 2026-12-31 to 2027-12-31 estimated range: [22.84$, 35.30$]
Financial Metrics affecting the SYF-PA estimates:
- Positive: with PPE of 2.1 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 141.05 > 12.98
- Positive: Operating profit margin, % of 24.67 > 18.65
- Positive: Industry operating cash flow per share per price (median), % of 19.00 > 10.39
- Negative: Return on assets ratio (scaled to [-100,100]) of 2.90 <= 6.08
- Negative: Shareholder equity ratio, % of 14.08 <= 19.10
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term SYF-PA quotes
Long-term SYF-PA plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $18,658.00MM | $20,914.00MM | $20,424.00MM |
| Operating Expenses | $15,414.00MM | $15,934.00MM | $15,386.00MM |
| Operating Income | $3,244.00MM | $4,980.00MM | $5,038.00MM |
| Non-Operating Income | $-340.00MM | $-427.00MM | $-417.00MM |
| Interest Expense | $3,711.00MM | $4,634.00MM | $4,135.00MM |
| Income(Loss) | $2,904.00MM | $4,553.00MM | $4,621.00MM |
| Taxes | $666.00MM | $1,054.00MM | $1,069.00MM |
| Net Income(Loss)* | $2,238.00MM | $3,499.00MM | $3,552.00MM |
| Stockholders Equity | $13,903.00MM | $16,580.00MM | $16,766.00MM |
| Assets | $117,479.00MM | $119,463.00MM | $119,095.00MM |
| Operating Cash Flow | $8,593.00MM | $9,848.00MM | $9,851.00MM |
| Investing Cash Flow | $-14,234.00MM | $-8,903.00MM | $-4,854.00MM |
| Financing Cash Flow | $9,632.00MM | $-611.00MM | $-4,735.00MM |
| Earnings Per Share** | $5.31 | $8.82 | $9.93 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.