Synchrony Financial (1SYF) Stock Overview
Operates as a consumer financial services company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
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Synchrony Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$64.56 |
| 52 Week High | US$75.05 |
| 52 Week Low | US$60.31 |
| Beta | 1.31 |
| 1 Month Change | 1.64% |
| 3 Month Change | 0.093% |
| 1 Year Change | 7.87% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 43.67% |
Recent News & Updates
Recent updates
Shareholder Returns
| 1SYF | IT Consumer Finance | IT Market | |
|---|---|---|---|
| 7D | -3.4% | -0.2% | 0.6% |
| 1Y | 7.9% | 8.4% | 26.6% |
Return vs Industry: 1SYF matched the Italian Consumer Finance industry which returned 8.3% over the past year.
Return vs Market: 1SYF underperformed the Italian Market which returned 25.7% over the past year.
Price Volatility
| 1SYF volatility | |
|---|---|
| 1SYF Average Weekly Movement | 8.2% |
| Consumer Finance Industry Average Movement | 5.4% |
| Market Average Movement | 4.6% |
| 10% most volatile stocks in IT Market | 8.0% |
| 10% least volatile stocks in IT Market | 3.0% |
Stable Share Price: 1SYF's share price has been volatile over the past 3 months compared to the Italian market.
Volatility Over Time: 1SYF's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Italian stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1932 | 20,000 | Brian Doubles | www.synchrony.com |
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms.
Synchrony Financial Fundamentals Summary
| 1SYF fundamental statistics | |
|---|---|
| Market cap | €21.56b |
| Earnings (TTM) | €3.08b |
| Revenue (TTM) | €8.66b |
Is 1SYF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 1SYF income statement (TTM) | |
|---|---|
| Revenue | US$9.89b |
| Cost of Revenue | US$0 |
| Gross Profit | US$9.89b |
| Other Expenses | US$6.38b |
| Earnings | US$3.52b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 21, 2026
| Earnings per share (EPS) | 10.46 |
| Gross Margin | 100.00% |
| Net Profit Margin | 35.55% |
| Debt/Equity Ratio | 99.7% |
How did 1SYF perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/14 16:14 |
| End of Day Share Price | 2026/07/14 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Synchrony Financial is covered by 41 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David George | Baird |
| Mark DeVries | Barclays |
| Terry Ma | Barclays |