Synchrony Financial Profit Falls on Higher Costs but Credit Trends Improve
Synchrony posted a third-quarter profit of $892 million, or $2.68 a share, down from $1.1 billion, or $2.86 a share, a year earlier.
Fiscal Year: January - December
Synchrony Financial (SYF), listed on the NYSE, has a market capitalization of $23.87B. As of Oct 21, 2026, the stock is trading at $73.36 per share@else an unavailable price , offering investors a clear view of its current market value. Synchrony Financial is a prominent player in the industry sector, attracting both institutional and retail investors due to its performance and potential.
With a P/E ratio of 7.34, investors can assess the stock's valuation in comparison to its earnings. A P/E ratio is a crucial indicator for value investors, showing whether the stock is over or undervalued relative to its current earnings. Synchrony Financial also offers a dividend yield of 1.85%, making it an attractive option for income-focused investors who seek regular dividends.
DCF analysis data is not yet available for Synchrony Financial (SYF). A fair value is shown for companies with at least three years of reported free cash flow and a positive typical free cash flow margin. Banks, insurers and REITs need a different valuation model and are not covered yet.
The proprietary SS Score for Synchrony Financial is a unique metric that analyzes the company's financial health and growth potential. The score takes into account critical factors such as revenue growth, net income, free cash flow (FCF) compound annual growth rate (CAGR), the trend of shares outstanding, and the debt-to-FCF ratio. This helps investors to make a more informed decision, as an undervalued stock might still have poor financial fundamentals.
To view the detailed SS Score for Synchrony Financial, Login or Upgrade for access.
The Price to Free Cash Flow (P/FCF) ratio for Synchrony Financial is N/A , offering insights into how much investors are paying for the company's free cash flow. A lower P/FCF ratio typically suggests that the stock is undervalued, while a higher ratio may indicate overvaluation.
In summary, Synchrony Financial (SYF) has shown consistent financial performance, as illustrated by the financial charts above, which track its revenue growth, net income, free cash flow, and shares outstanding over the past several years. These metrics provide investors with key insights into the company's past and projected future performance. Investors should use the SS Score alongside the DCF Fair Value to make better-informed decisions about whether to buy or hold the stock.
*This analysis is for informational purposes only and does not constitute investment advice. Always read the company's 10-K filings and do your own research before making any investment decisions.
Whether Synchrony Financial (SYF) is a good stock to buy depends on various factors, including its financial health, market conditions, and your investment strategy. It is important to assess the SS Score and review the company's fundamentals before making any investment decisions.
The fair value of Synchrony Financial (SYF) is determined through our Discounted Cash Flow (DCF) analysis. This value represents the intrinsic worth of the stock based on its expected future cash flows. To view the specific fair value, consider subscribing to our service for complete access.
The SS Score is a proprietary financial quality metric that assesses factors such as revenue growth, net income, free cash flow growth, and debt levels. It helps investors evaluate the overall financial health of Synchrony Financial. To access the full SS Score, consider upgrading your subscription.
Synchrony Financial is a significant player in the industry sector, with a market capitalization of $23.87B and a competitive P/E ratio of 7.34. Investors should compare these metrics with industry peers to gauge whether Synchrony Financial is outperforming or underperforming within its sector.
Synchrony posted a third-quarter profit of $892 million, or $2.68 a share, down from $1.1 billion, or $2.86 a share, a year earlier.
Reports Q3 tangible book value per share $42.79. Reports Q3 CET1 capital ratio 12.9%. “Synchrony (SYF) delivered another strong performance in the third quarter, highlighted by broad-based purchase vo...
Company Announces Quarterly Common Stock Dividend of $0.34 Per Share STAMFORD, Conn., Oct. 20, 2026 /PRNewswire/ -- Synchrony Financial (NYSE: SYF) today announced its third quarter 2026 results for ...
Weave (WEAV) announced the live availability of its integration with CareCredit, a leading patient financing solution from Synchrony (SYF). The integration gives front-office staff real-time visibilit...
LEHI, Utah--(BUSINESS WIRE)-- #getweave--Weave (NYSE: WEAV), a leading AI-powered patient communications and payments platform purpose-built for healthcare practices, today announced the live availabi...
Morgan Stanley lowered the firm’s price target on Synchrony (SYF) to $83 from $84 and keeps an Equal Weight rating on the shares. The firm expects Q3 results from the…
JPMorgan lowered the firm’s price target on Synchrony (SYF) to $74 from $78 and keeps a Neutral rating on the shares. The firm adjusted targets in the consumer finance group…
BMO Capital analyst Andrew Bauch initiated coverage of Synchrony (SYF) with a Market Perform rating and $81 price target The firm cites the company’s elevated payment rates, “muted” receivables growth...
Seaport Research lowered the firm’s price target on Synchrony (SYF) to $93 from $94 and keeps a Buy rating on the shares.
TD Cowen lowered the firm’s price target on Synchrony (SYF) to $86 from $90 and keeps a Buy rating on the shares. The firm adjusted targets in the consumer finance…
UBS lowered the firm’s price target on Synchrony (SYF) to $81 from $87 and keeps a Neutral rating on the shares.
Evercore ISI analyst John Pancari lowered the firm’s price target on Synchrony (SYF) to $80 from $86 and keeps an Outperform rating on the shares. The firm expects “relatively solid”…
CareCredit's embedded financing, combined with Vetspire's AI-enabled practice technology, helps veterinary teams streamline operations, improve client engagement and support timely pet care. Key Highl...
New research shows consumers are more willing to let AI make purchases when they have clear protection, transparency and control Key Highlights Security and transparency matter most: Keeping data sec...
STAMFORD, Conn., Sept. 22, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) plans to report its third quarter 2026 results on Tuesday, October 20, 2026.
Intelibly announced a strategic partnership with Synchrony (SYF). Through this partnership, Synchrony’s CareCredit health and wellness credit card will be integrated into Intelibly’s platform. “Our pa...
STAMFORD, Conn., Sept. 8, 2026 /PRNewswire/ -- Synchrony (NYSE: SYF) Chief Financial Officer, Brian J.
Wolfe Research analyst Darrin Peller raised the firm’s price target on Synchrony (SYF) to $90 from $85 and keeps an Outperform rating on the shares. he firm updated estimates, targets…
Synchrony Financial announced a collaboration with OpenAI. The partnership allows the artificial intelligence company's models to power the card company's consumer portals.
Consumer financial services company Synchrony will launch a ChatGPT plugin that will allow consumers to discover savings and offers from the Synchrony Marketplace within OpenAI's ChatGPT and browse pr...
Synchrony (SYF) announced an enterprise collaboration with OpenAI to strengthen Synchrony’s positioning at the center of AI’s next chapter in shopping and payments. The collaboration supports the comp...
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