Synchrony Financial share price logo

Synchrony Financial Share Price

NYSE: SYF

Large Cap

$72.61

-0.76

(-1.04%)

as on

Synchrony Financial Stock Performance

as on January 31, 2026 at 2:29 am IST

  • Day's Low

    Day's High

    $71.86
    $73.62
    downward going graph

    1.03%

    Downside

    1.39%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $40.55
    $88.77
    downward going graph

    44.16%

    Downside

    22.26%

    Upside

    downward going graph

Synchrony Financial share price movements today

Previous Close
$73.37
Open
$72.92
Volume
4.9M
Day's Low - High
$71.86 - $73.62
52 Week Low - High
$40.55 - $88.77

Synchrony Financial Historical Returns

1 Month Return
-12.94 %
3 Month Return
-2.35 %
1 Year Return
+ 5.29 %
3 Year Return
+ 97.74 %
5 Year Return
+ 115.84 %

Synchrony Financial Stock Fundamentals & Key Indicators

Check Synchrony Financial market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$28.8B

EPS (TTM)

9.3016

Dividend Yield

1.99%

Quarterly Earnings Growth YOY

0.08%

PE Ratio (TTM)

8.5

Industry PE ratio

18.97490566037736

PEG Ratio

83.7542

EBITDA

-

Revenue (TTM)

9.8B

Profit Margin

37.07%

Return On Equity TTM

21.64%

Synchrony Financial Stock Valuation

Track how Synchrony Financial P/E has moved over time to understand its valuation trends.

Synchrony Financial in the last 5 years

  • Overview

  • Trends

Lowest (5.22x)

September 30, 2022

Today (8.50x)

January 31, 2026

Industry (18.97x)

January 31, 2026

Highest (10.53x)

March 31, 2021

LowHigh

Today’s Price to Earnings Ratio: 8.50x

Synchrony Financial vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Synchrony Financial with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
BUY$28.8B115.84%8.537.07%
BUY$252.8B202.92%24.416.14%
HOLD$140.0B109.98%65.347.48%
BUY$476.7B70.35%33.6845.28%
BUY$634.0B66.54%32.1450.15%

Stock Returns calculator for Synchrony Financial Stock including INR - Dollar returns

The Synchrony Financial stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

  • 7Y

  • 10Y

Synchrony Financial investment value today

Current value as on today

₹1,11,131

Returns

₹11,131

(+11.13%)

Returns from Synchrony Financial Stock

₹5,262 (+5.26%)

Dollar Returns*

₹5,869 (+5.87%)

Analyst Recommendation on Synchrony Financial Stock

Based on 23 analysts

BUY

47.83%

Buy

47.83%

Hold

4.35%

Sell

Based on 23 analysts, 47.83% of analysts recommend a 'BUY' rating for Synchrony Financial. Average target price of $90.48

Synchrony Financial Share Price Target

Get share price movements and forecasts by analysts on Synchrony Financial.

What analysts predicted

19.75%UPSIDE

Target Price

$90.48

Current Price

$72.61

Analyzed by

23 Analysts

Target

$90.48

Synchrony Financial target price $90.48, a slight upside of 19.75% compared to current price of $72.61. According to 23 analysts rating.

Synchrony Financial Stock’s Investor Sentiment and Interest

Search interest for Synchrony Financial Stock has increased by 106% in the last 30 days, reflecting an upward trend in search activity.

Time period: to

Change:106% versus previous 30 day period

Synchrony Financial Quarterly Profit & Loss

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Total Revenue
4,467
4,742
4,892
4,889
4,990
4,919
4,804
4,712
4,834
5,860
Gross Profit
1,987
1,855
1,845
2,021
2,217
2,240
2,227
2,501
2,677
4,887
Operating Income
833
539
1,708
844
1,028
973
984
1,256
1,429
3,488
EBITDA
949
657
1,827
965
1,149
1,093
1,109
1,378
1,557
3,488
Interest Expense
992
1,083
1,163
1,177
1,176
1,118
1,086
1,065
1,011
973
Depreciation
116
118
119
121
121
120
125
122
128
-
Income Before Tax
833
539
1,708
844
1,028
973
984
1,256
1,429
952
Income Tax Expense
205
99
415
201
239
199
227
289
352
201
Net Income
628
440
1,293
643
789
774
757
967
1,077
751
Net Profit Margin
14.06%
9.28%
26.43%
13.15%
15.81%
15.73%
15.76%
20.52%
22.28%
12.82%

Synchrony Financial Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
12,220
13,758
15,154
15,603
12,827
11,224
13,195
17,338
20,759
20,210
Gross Profit
6,986
7,071
7,739
9,132
5,852
9,466
8,299
7,662
9,392
12,292
Operating Income
3,570
3,324
3,644
4,887
1,797
5,503
3,962
2,904
4,553
7,157
EBITDA
3,789
3,578
3,946
5,254
2,180
5,893
4,381
3,362
5,034
7,532
Interest Expense
1,248
1,391
1,870
2,291
1,665
1,032
1,521
3,711
4,634
4,135
Depreciation
-
254
302
367
383
390
419
458
481
-
Income Before Tax
3,570
3,324
3,644
4,887
1,797
5,503
3,962
2,904
4,553
4,621
Income Tax Expense
1,319
1,389
854
1,140
412
1,282
946
666
1,054
1,069
Net Income
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
Net Profit Margin
18.42%
14.06%
18.41%
24.01%
10.80%
37.61%
22.86%
12.91%
16.86%
17.58%

Synchrony Financial Quarterly Cash Flow

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Net Income
628
440
1,293
643
789
774
757
967
1,077
Operating Cash Flow
2,482
2,317
2,248
2,484
2,763
2,353
2,200
2,560
2,637
Investing Cash Flow
-7,065
-7,169
798
-2,507
-2,231
-4,963
3,603
-2,241
-1,574
Financing Cash Flow
3,031
3,473
2,604
-1,367
-1,231
-617
2,119
-2,817
-4,955
Change in Cash
2,945
-1,379
5,650
-1,391
-699
-3,226
7,922
-2,498
-3,892

Synchrony Financial Annual Cash Flow

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Net Income
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
Operating Cash Flow
6,823
8,916
9,342
8,990
7,487
7,099
6,694
8,593
9,848
Investing Cash Flow
-13,320
-9,410
-19,036
-261
-498
-4,814
-10,234
-14,234
-8,903
Financing Cash Flow
3,493
2,775
8,253
-6,458
-8,031
-5,204
5,284
9,632
-611
Change in Cash
-3,004
2,281
-1,441
2,271
-1,042
-2,919
1,744
3,991
334

Mutual Funds that own Synchrony Financial Stock

Check out the Mutual Funds with significant holdings in Synchrony Financial.

Funds
Holdings
Shares Held
Motilal Oswal S&P 500 Index Fund Direct Growth
Motilal Oswal S&P 500 Index Fund Direct Growth
0.05123%
2804

Global Institutional Holdings in Synchrony Financial

Funds
Holdings
UBS Asset Mgmt Americas Inc
1.57%
Northern Trust Corp
1.44%
NORGES BANK
1.21%
First Trust Advisors L.P.
1.45%
Goldman Sachs Group Inc
1.23%

Synchrony Financial News & Key Events

  • img

    Today's Timeline - 12 January

    Tue, 00:01 AM

    -

    Synchrony Financial shares fell 8.1% after Trump proposed capping credit card interest rates at 10%, threatening revenue.

Insights on Synchrony Financial

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Synchrony Financial has shown strong revenue growth over the last three quarters. The company's revenue increased from $4.71 billion to $5.86 billion, resulting in an average quarterly growth rate of 10.0%. This upward trend indicates a positive performance for the company.

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, American Express Co. has given 10.9% return, outperforming this stock by 5.6%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, American Express Co. has given 101.3% return, outperforming this stock by 3.6%

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Synchrony Financial has experienced a decline in net profit over the last two quarters. Specifically, net profit fell from $1.07 billion to $751 million, resulting in an average decrease of 30.3% each quarter.

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 1 month, SYF stock has moved down by -12.9%

About Synchrony Financial

synchrony financial is one of the premier consumer financial services companies in the united states. our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the united states based on purchase volume and receivables. we provide a range of credit products through programs we have established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for our partners and offer financial flexibility to our customers. through our partners’ more than 300,000 locations across the united states and canada, and their websites and mobile applications, we offer our customers a variety of credit products to finance the purchase of goods and services. our offerings include private label credit cards, promotional financing and installment lending, loyalty programs and optimizer+plus branded fdic-insured sa
OrganisationSynchrony Financial
Headquarters777 Long Ridge Road, Stamford, CT, United States, 06902
IndustryFinance
CEOMr. Brian D. Doubles
E-voting on sharesClick here to vote

Key Management of Synchrony Financial

Name

Title

Mr. Bart Schaller

Executive VP & CEO of Digital

Mr. Brian D. Doubles

President, CEO & Director

Mr. Brian J. Wenzel Sr.

Executive VP & CFO

Mr. Jonathan S. Mothner Esq., J.D.

Executive VP & Chief Risk and Legal Officer

Mr. Alberto Casellas

Executive VP and CEO of Health & Wellness

Ms. Amy Tiliakos

Senior VP, Chief Accounting Officer & Controller

Ms. Carol D. Juel

Executive VP and Chief Technology & Operating Officer

Ms. Kathryn Harmon Miller

Senior Vice President & Director of Investor Relations

Mr. D.J. Casto

Executive VP & Chief Human Resources Officer

Mr. Michael Bopp

Executive VP & Chief Growth Officer

FAQs

What is Synchrony Financial share price today?

Synchrony Financial share price today is $72.61 as on at the close of the market. Synchrony Financial share today touched a day high of $73.62 and a low of $71.86.

What is the 52 week high and 52 week low for Synchrony Financial share?

Synchrony Financial share touched a 52 week high of $88.77 on and a 52 week low of $40.55 on . Synchrony Financial stock price today i.e. is closed at $72.61,which is 18.20% down from its 52 week high and 79.08% up from its 52 week low.

What is Synchrony Financial's market capitalisation today?

Synchrony Financial market capitalisation is $0.03T as on .

How to invest in Synchrony Financial Stock (SYF) from India?

  1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
  2. Step 2: Search for Synchrony Financial on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Synchrony Financial Shares that will get you 0.0207 shares as per Synchrony Financial share price of $72.61 per share as on January 31, 2026 at 2:29 am IST.

What is the minimum amount required to buy Synchrony Financial Stock (SYF) from India?

Indian investors can start investing in Synchrony Financial (SYF) shares with as little as ₹91.641 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹916.41 in Synchrony Financial stock (as per the Rupee-Dollar exchange rate as on ). Based on Synchrony Financial share’s latest price of $72.61 as on January 31, 2026 at 2:29 am IST, you will get 0.1377 shares of Synchrony Financial. Learn more about fractional shares .

What are the returns that Synchrony Financial has given to Indian investors in the last 5 years?

Synchrony Financial stock has given 115.84% share price returns and 25.88% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?