Synchrony Financial (SYF) 주식 개요
Synchrony Financial은 자회사와 함께 미국에서 소비자 금융 서비스 회사로 운영되고 있습니다. 자세히 보기
SYF Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$105
FV
24.4% 저평가 내재 할인율5.83%
Revenue growth p.a.
46
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Synchrony Financial 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$79.41 |
| 52주 최고가 | US$88.77 |
| 52주 최저가 | US$63.08 |
| 베타 | 1.31 |
| 1개월 변동 | 8.47% |
| 3개월 변동 | 11.44% |
| 1년 변동 | 9.40% |
| 3년 변동 | 141.59% |
| 5년 변동 | 58.98% |
| IPO 이후 변동 | 245.26% |
최근 뉴스 및 업데이트
Seeking Alpha • Jul 31
Synchrony Financial: Powerful Buyback And Stable Credit Create Opportunity (Upgrade)
Summary Synchrony Financial is upgraded to a "Strong Buy" due to stable credit trends, robust capital returns, and undervaluation. Q2 earnings of $2.59 beat estimates; purchase volumes rose 8%, and loan receivables grew 2% despite high payment rates. SYF’s CET1 ratio increased to 13.2%, supporting aggressive buybacks and a 13+% capital return yield through dividends and repurchases. Shares trade at just 8x earnings, with a resilient EPS outlook and a target valuation of $95 on sustained credit quality and capital deployment. Read the full article on Seeking Alpha
내러티브 업데이트 • Jul 22
SYF: Future Loan Mix And Credit Cycle Trends Will Guide Fair Value
The analyst price target for Synchrony Financial is now $78, a $2 reduction that reflects a combination of slightly more conservative fair value assumptions and mixed Street views on growth and valuation. Analyst Commentary on Synchrony Financial Street research on Synchrony Financial currently shows a split view, with some firms lifting price targets and others turning more cautious.Recent updates
Seeking Alpha • Jul 31
Synchrony Financial: Powerful Buyback And Stable Credit Create Opportunity (Upgrade)
Summary Synchrony Financial is upgraded to a "Strong Buy" due to stable credit trends, robust capital returns, and undervaluation. Q2 earnings of $2.59 beat estimates; purchase volumes rose 8%, and loan receivables grew 2% despite high payment rates. SYF’s CET1 ratio increased to 13.2%, supporting aggressive buybacks and a 13+% capital return yield through dividends and repurchases. Shares trade at just 8x earnings, with a resilient EPS outlook and a target valuation of $95 on sustained credit quality and capital deployment. Read the full article on Seeking Alpha내러티브 업데이트 • Jul 22
SYF: Future Loan Mix And Credit Cycle Trends Will Guide Fair Value
The analyst price target for Synchrony Financial is now $78, a $2 reduction that reflects a combination of slightly more conservative fair value assumptions and mixed Street views on growth and valuation. Analyst Commentary on Synchrony Financial Street research on Synchrony Financial currently shows a split view, with some firms lifting price targets and others turning more cautious.내러티브 업데이트 • Jul 07
SYF: Future Loan Mix And Credit Cycle Trends Will Shape Fair Value
The analyst fair value estimate for Synchrony Financial has moved from $77.00 to $80.00 as analysts incorporate higher published price targets, including recent raises from several firms alongside new Hold initiations that highlight expectations for steadier revenue growth, modestly better profit margins, a slightly lower discount rate, and a revised forward P/E assumption. Analyst Commentary Recent Street research on Synchrony Financial reflects a mixed backdrop, with several firms lifting price targets while others flagging areas where the stock's risk and reward look more finely balanced.
내러티브 업데이트 • Jun 16
SYF: Capital Returns And New Partnerships Will Support Future Stock Repricing
Synchrony Financial's analyst price target is now set at $103.00, with analysts citing a modestly lower discount rate, slightly higher modeled revenue growth, and a small change in future P/E assumptions, partly balanced by a more conservative profit margin outlook and mixed recent research views, including new Hold ratings and several price target revisions across the Street. Analyst Commentary Recent research on Synchrony Financial highlights a mix of caution and optimism, with several bullish analysts adjusting price targets and focusing on execution around loan growth, credit performance, and earnings power.
내러티브 업데이트 • Jun 02
SYF: Future Returns Will Rely On Credit Resilience And Capital Returns
Narrative Update: Synchrony Financial The updated analyst price target for Synchrony Financial has been trimmed by about $1 to $89.22. Analysts are factoring in slightly lower revenue growth and profit margin assumptions, along with a modestly higher discount rate, while still using a similar forward P/E framework.내러티브 업데이트 • May 19
SYF: Future P/E Reset Will Balance Rate Cap And Credit Cycle Risks
Synchrony Financial's analyst fair value estimate has moved from $71.25 to $77.00, with analysts pointing to updated revenue growth assumptions, a modestly higher discount rate, slightly lower profit margin expectations, and a higher future P/E multiple following a series of recent price target changes across the Street. Analyst Commentary Recent Street research on Synchrony Financial has been mixed, with several firms adjusting price targets in both directions and at least one downgrade.내러티브 업데이트 • May 02
SYF: Buybacks And Dividend Increases Will Support Returns Through Sector Repricing
Analysts have adjusted the price target on Synchrony Financial by refining assumptions on the discount rate, revenue growth, profit margins and future P/E, drawing on a recent mix of target increases and cuts across the Street. Analyst Commentary Recent Street research on Synchrony Financial shows an active debate, with a mix of higher and lower price targets, rating changes and list removals.내러티브 업데이트 • Apr 16
SYF: Credit Execution And Buybacks Will Support Returns Despite Sector Repricing
The analyst price target for Synchrony Financial has been reduced by $11, as analysts factor in a more uncertain macro backdrop, sector wide target cuts, and lower market multiples for consumer finance stocks. Analyst Commentary Recent Street research on Synchrony Financial shows a cluster of price target reductions across the consumer finance group, as analysts incorporate a more cautious macro view and lower market multiples into their models.내러티브 업데이트 • Apr 02
SYF: Future P/E Reset Will Reflect Credit Card Rate Cap Risks
Synchrony Financial's updated analyst price target reflects a modest reset, with fair value shifting from $74.31 to $71.25 as analysts incorporate slightly lower profit margins and valuation multiples, while still acknowledging the stated revenue growth assumptions in a more cautious sector backdrop. Analyst Commentary Recent research on Synchrony reflects a shift toward more cautious positioning, with several bearish analysts trimming price targets and reassessing where the stock should trade in light of sector wide pressures and changing assumptions.내러티브 업데이트 • Mar 19
SYF: Future P/E Repricing Will Offset Rising Regulatory And Macro Risks
Analysts have trimmed the Synchrony Financial price target by a few dollars to $90. This reflects a mix of reduced fair value estimates and higher assumed discount rates as they factor in a tougher macro backdrop and lower sector multiples, even as they continue to cite resilient consumer finance fundamentals in recent research.내러티브 업데이트 • Mar 05
SYF: Future Returns Will Rely On Benign Credit And Aggressive Buybacks
Narrative Update The analyst price target for Synchrony Financial has been adjusted higher to $90.26 from $88.22, as analysts factor in slightly stronger modeled revenue growth and margins, set against a mixed backdrop of recent target cuts and upgrades across the consumer finance group. Analyst Commentary Recent research on Synchrony Financial reflects a split view, with bullish analysts lifting price targets and talking up the setup into upcoming quarters, while more cautious voices trim targets and question how durable the current credit and regulatory backdrop will be for card issuers and broader consumer finance names.내러티브 업데이트 • Feb 19
SYF: Balancing Rising Regulatory Threats With Higher Forward P E Expectations
Analysts have recalibrated their view on Synchrony Financial, lifting the modeled fair value from $42.00 to $74.38 as updated profit margin assumptions and higher forward P/E multiples filter through recent sector research alongside a mix of revised price targets across the Street. Analyst Commentary Street research on Synchrony Financial has been active, with a mix of higher and lower price targets and a few rating changes that give you a sense of how divided opinion is on the stock.내러티브 업데이트 • Feb 04
SYF: Stable Credit Trends And Share Repurchases Will Support Returns
Analysts have reduced their price targets on Synchrony Financial by mid single digit to high single digit dollar amounts. This reflects updated assumptions around discount rates, revenue growth, profit margins, and future P/E multiples following a mix of recent target raises and cuts across the Street.내러티브 업데이트 • Jan 21
SYF: Stable Credit Trends And Seasonal Loan Tailwinds Will Support Earnings
Analysts have raised their blended price target on Synchrony Financial to about $103 from roughly $84, citing a combination of higher assumed profit margins, a slightly higher future P/E multiple, and research that indicates stable credit trends, seasonal loan growth, and a generally supportive environment for consumer finance names. Analyst Commentary Recent Street research has tilted firmly constructive on Synchrony Financial, with a cluster of price target revisions pointing to a more upbeat stance on credit quality, loan growth, and earnings power.내러티브 업데이트 • Jan 07
SYF: Future Returns Will Depend On Benign Credit And Ongoing Buybacks
Analysts have lifted their fair value estimate for Synchrony Financial from about US$85.57 to roughly US$88.22 per share. This reflects updated assumptions around discount rate, revenue growth, profit margins, and a higher future P/E multiple that align with recent price target increases from several research firms.내러티브 업데이트 • Dec 20
SYF: Future Returns Will Hinge On Benign Credit And Ongoing Buybacks
Analysts modestly raised their price target for Synchrony Financial to approximately $86 from about $83, citing expectations for resilient revenue growth supported by benign credit trends, improving profit margins, incremental buybacks, and positive signals from recent strategic initiatives and sector tailwinds. Analyst Commentary Bullish analysts highlight a constructive backdrop for Synchrony Financial, pointing to improving revenue momentum, stable credit quality, and enhanced capital return as key drivers supporting higher valuation multiples.내러티브 업데이트 • Dec 06
SYF: Future Shareholder Returns Will Depend On Credit Normalization And Buybacks
Analysts have nudged their average price target for Synchrony Financial higher, reflecting expectations for renewed revenue growth, slightly better credit performance, and incremental upside from buybacks and the Walmart program, and now see upside of roughly $10 to $15 per share from recent target increases across the Street. Analyst Commentary Bullish analysts are increasingly focused on Synchrony's ability to reignite loan growth while keeping credit trends manageable, leading to a steady march higher in price targets across the group.내러티브 업데이트 • Nov 22
SYF: Shareholder Returns Will Remain Supported As Credit Quality Stabilizes
The analyst price target for Synchrony Financial increased slightly from $82.57 to $82.74, as analysts cited ongoing improvements in revenue growth and credit performance as key reasons for their optimism. Analyst Commentary Recent Street research provides a broad view on Synchrony Financial, with analysts noting both strengths and areas of caution as they adjust their ratings and price targets following the company's Q3 report and subsequent developments.내러티브 업데이트 • Nov 07
SYF: Share Buybacks And Improved Credit Outlook Will Drive Future Upside
The analyst price target for Synchrony Financial has risen modestly, reflecting an approximately $0.17 increase to $82.57. Analysts highlight stronger revenue prospects and an improved credit outlook following recent earnings and business updates.내러티브 업데이트 • Oct 24
Retail Partnerships And Expanding Programs Will Drive Confidence In The Coming Year
Synchrony Financial's analyst price target has increased modestly by $1.00 to $82.39, as analysts cite renewed confidence in revenue growth and continued stability in credit performance following recent quarterly results. Analyst Commentary Recent commentary from Wall Street has reflected a mix of optimism and caution regarding Synchrony Financial’s prospects.내러티브 업데이트 • Oct 10
Digital Integration And Major Retail Partnerships Will Underpin Enduring Value
The analyst price target for Synchrony Financial has risen modestly to $81.39 from $80.48. Analysts cite improving credit quality, steady loan growth, and upbeat management commentary as drivers for their increased optimism.내러티브 업데이트 • Sep 26
Digital Integration And Major Retail Partnerships Will Underpin Enduring Value
Analysts have nudged up Synchrony Financial's price target to $80.48, citing stronger credit performance, incremental EPS estimate increases, and anticipated loan growth from expanded merchant partnerships, while some caution that recent earnings quality and near-term loan growth remain mixed. Analyst Commentary Bullish analysts are encouraged by improving credit performance, stronger-than-expected credit results through August, and indications that credit metrics will continue to strengthen into 2026.Seeking Alpha • Apr 22
Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade)
Summary Synchrony Financial's stock has fallen over 30% from its highs, with Q1 earnings showing mixed signals amid economic concerns and credit quality issues. Despite beating earnings estimates, lower credit costs drive skepticism about the sustainability of earnings if the economy weakens, with the potential for increased credit losses. SYF's strong deposit base and capital returns are positives, but economic uncertainty and potential recession risks limit the upside, making it a "hold". Until layoffs and delinquencies become clearer, SYF may be more of a value trap than an opportunity, with a book value of around $40 as a potential floor. Read the full article on Seeking AlphaSeeking Alpha • Feb 05
Synchrony Financial: Slow And Steady Wins The Race
Summary Synchrony Financial reported a mixed bag of Q4 results, with revenue and EPS falling short of estimates. Key risks include the potential implementation of the CFPB's late fee rule and increasing competition from digital-native banking companies. Stock screens cheap at 9x forward EPS, and while above historical norms, EPS growth may be 15-16% over the next two years. Read the full article on Seeking AlphaSeeking Alpha • Jan 29
Synchrony Financial: Don't Fear Tighter Credit Standards
Summary Synchrony Financial experienced lower loan growth in preparation for a rule limiting late fees. Nevertheless, core 2025 EPS is forecasted to grow by 12.9%, with a P/E of 8.6. Synchrony’s tighter credit standards have reduced delinquency rates, and potential removal of the late fee rule could accelerate loan growth. Preferred shares offer income opportunities: Series A does better with falling rates, and Series B outperforms during rising rates. With the higher for longer interest rate environment, Series B preferred is upgraded to Buy. The common stock and Series A preferred remain a Buy. Read the full article on Seeking AlphaSeeking Alpha • Jan 04
Synchrony Financial: Strong Fundamentals But Technical Headwinds
Summary SYF expanded its partnerships in 2024, including selling Pets Best insurance to Independence Pet Holdings, enhancing its strategic positioning in the pet insurance market. Acquiring Ally Lending’s point-of-sale financing business for $2 billion aligns with SYF's multi-product strategy, broadening its financial service offerings. New partnerships with BRP, Adit, and ServiceTitan aim to enhance SYF’s digital capabilities and market reach, strengthening its technological infrastructure. The partnership with Albertsons allows CareCredit cardholders to use their cards at over 2,200 retail locations, significantly increasing consumer convenience and market penetration. Read the full article on Seeking AlphaSeeking Alpha • Nov 30
Synchrony Financial: Undervalued Gem In Fintech
Summary Synchrony Financial is a "Strong Buy" due to solid fundamentals, strong financial health, and a 128% stock price surge in the past 12 months. Impressive Q3 results with $1.94 diluted EPS, 70.4 million active accounts, and a 15.04% net interest margin indicate robust profitability and growth potential. Valuation metrics, including low P/E and PEG ratios, highlight SYF's strong cash flow generation and undervaluation relative to earnings growth potential. Risks include interest rate fluctuations, regulatory pressures, and dependence on retail partners, but the diversified portfolio and efficient operations support long-term growth. Read the full article on Seeking Alpha주주 수익률
| SYF | US Consumer Finance | US 시장 | |
|---|---|---|---|
| 7D | 0.2% | -0.8% | 1.0% |
| 1Y | 9.4% | 5.4% | 18.4% |
수익률 대 산업: SYF은 지난 1년 동안 5.4%의 수익을 기록한 US Consumer Finance 산업보다 더 좋은 성과를 냈습니다.
수익률 대 시장: SYF은 지난 1년 동안 18.4%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| SYF volatility | |
|---|---|
| SYF Average Weekly Movement | 4.9% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: SYF는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: SYF의 주간 변동성(5%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 1932 | 20,000 | Brian Doubles | www.synchrony.com |
Synchrony Financial은 자회사와 함께 미국에서 소비자 금융 서비스 회사로 운영되고 있습니다. 이 회사는 신용카드, 상업 신용 상품, 소비자 할부 대출과 같은 신용 상품을 제공합니다. 또한 개인 상표 신용카드, 이중 및 범용 공동 브랜드 카드, 장단기 할부 대출, 소비자 금융 상품과 정기예금, 개인 퇴직 계좌, 머니마켓 계좌, 저축 계좌, 수시입출금식 예금 등 예금 상품과 제3자 회사를 통한 예금도 취급하고 있습니다.
Synchrony Financial 기초 지표 요약
| SYF 기초 통계 | |
|---|---|
| 시가총액 | US$25.53b |
| 순이익 (TTM) | US$3.44b |
| 매출 (TTM) | US$9.91b |
7.5x
주가수익비율(P/E)2.6x
주가매출비율(P/S)SYF는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| SYF 손익계산서 (TTM) | |
|---|---|
| 매출 | US$9.91b |
| 매출원가 | US$0 |
| 총이익 | US$9.91b |
| 기타 비용 | US$6.47b |
| 순이익 | US$3.44b |
최근 보고된 실적
Jun 30, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 10.56 |
| 총이익률 | 100.00% |
| 순이익률 | 34.67% |
| 부채/자본 비율 | 97.2% |
SYF의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기| Synchrony Financial 배당 일정 | |
|---|---|
| 배당락일 | Aug 05 2026 |
| 배당 지급일 | Aug 17 2026 |
| 배당락일까지 남은 일수 | 8 days |
| 배당 지급일까지 남은 일수 | 4 days |
SYF는 안정적으로 배당을 지급합니까?
SYF 배당 기록 및 벤치마크 보기기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/08/12 05:25 |
| 종가 | 2026/08/12 00:00 |
| 수익 | 2026/06/30 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
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분석가 소스
Synchrony Financial는 42명의 분석가가 다루고 있습니다. 이 중 19명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| David George | Baird |
| Mark DeVries | Barclays |
| Terry Ma | Barclays |