Synchrony Financial

NYSE:SYF Stock Report

Market Cap: US$23.9b

Synchrony Financial Future Growth

Future criteria checks 1/6

Synchrony Financial is forecast to grow earnings and revenue by 1.6% and 16.6% per annum respectively. EPS is expected to grow by 2.3% per annum. Return on equity is forecast to be 18.4% in 3 years.

Key information

1.6%

Earnings growth rate

2.3%

EPS growth rate

Consumer Finance earnings growth12.9%
Revenue growth rate16.6%
Future return on equity18.4%
Analyst coverage

Good

Last updated21 Feb 2025

Recent future growth updates

Recent updates

Synchrony Financial: Slow And Steady Wins The Race

Feb 05

Synchrony Financial: Don't Fear Tighter Credit Standards

Jan 29

Synchrony Financial (NYSE:SYF) Is Due To Pay A Dividend Of $0.25

Jan 25
Synchrony Financial (NYSE:SYF) Is Due To Pay A Dividend Of $0.25

Synchrony Financial: Strong Fundamentals But Technical Headwinds

Jan 04

Synchrony Financial: Undervalued Gem In Fintech

Nov 30

Synchrony Financial's (NYSE:SYF) Dividend Will Be $0.25

Oct 28
Synchrony Financial's (NYSE:SYF) Dividend Will Be $0.25

Synchrony Financial: Why I Prefer The Lower Yielding Series A Preferred Shares

Oct 23

Synchrony Financial: Consumer Lending May Meltdown If Unemployment Continues To Rise

Sep 18

Synchrony Financial: Not Too Expensive Yet

Jul 18

Synchrony Financial: Comparing The 2 High Yielding Preferred Shares

Jun 26

Synchrony Financial: Finally Getting Credit

Apr 26

Synchrony Financial: Charge-Offs Create Downside Risk (Rating Downgrade)

Mar 05

Synchrony Financial Offers 2 Good Income Options

Jan 24

Synchrony Financial: 8.9% Yielding Preferred Shares Are Attractive

Nov 20

Synchrony: A Buy As Credit Deterioration Slows

Oct 06

Synchrony Financial Shares Have Recovered From The Banking Crisis But Are Still Cheap

Jul 19

Synchrony Financial: 9.4% Yielding Bond Mispriced From Industry Crisis

May 29

Synchrony credit card net charge-offs jump in January as delinquencies tick up

Feb 14

Synchrony, furniture retailer Rooms To Go renew strategic financing partnership

Jan 25

Synchrony Financial: Growth And Fundamental Stability Remains In Harmony

Jan 18

Synchrony credit card metrics slip in November, edging down to prepandemic levels

Dec 15

Synchrony Financial credit card net charge-offs increase in October

Nov 14

Synchrony Financial declares $0.23 dividend

Oct 20

Synchrony expands relationship with Sycle for integrated digital payment solutions

Oct 13

Synchrony Financial: To Keep Watch Before Q3 Earnings

Sep 29

Synchrony Financial credit card delinquency, charge off rates climb in August

Sep 12

Synchrony's credit card delinquency, charge-off rates rise in July as loans increase

Aug 15

Synchrony Financial GAAP EPS of $1.60 beats by $0.16, revenue of $2.87B beats by $130M

Jul 18

Earnings and Revenue Growth Forecasts

NYSE:SYF - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202717,3414,117N/AN/A6
12/31/202616,1903,318N/AN/A14
12/31/202515,4352,988N/AN/A14
12/31/20249,3923,4279,8489,848N/A
9/30/20249,0073,1039,8129,812N/A
6/30/20248,7772,9539,5319,531N/A
3/31/20248,6672,8888,9558,955N/A
12/31/20237,6622,1968,5938,593N/A
9/30/20237,6992,3348,1238,123N/A
6/30/20237,6982,4087,2757,275N/A
3/31/20237,9362,6427,1847,184N/A
12/31/20228,2992,9746,6946,694N/A
9/30/20228,5763,2106,8516,851N/A
6/30/20229,0513,6487,0327,032N/A
3/31/20229,4914,0876,6566,656N/A
12/31/20219,4664,1797,0997,099N/A
9/30/20219,2414,1047,1817,181N/A
6/30/20218,2593,2776,8496,849N/A
3/31/20216,7152,0827,7897,789N/A
12/31/20205,8521,3437,4877,487N/A
9/30/20205,9081,3467,7377,737N/A
6/30/20206,8682,0998,6538,653N/A
3/31/20208,0112,9158,2388,238N/A
12/31/20199,1323,7478,9908,990N/A
9/30/20199,2223,7999,2309,230N/A
6/30/20198,7303,4149,5169,516N/A
3/31/20198,4093,2579,7169,716N/A
12/31/20187,7392,7909,3429,342N/A
9/30/20187,4942,392N/A9,235N/A
6/30/20187,3842,276N/A9,452N/A
3/31/20187,2162,076N/A9,010N/A
12/31/20177,0711,935N/A8,575N/A
9/30/20177,0522,126N/A8,142N/A
6/30/20177,0372,175N/A7,055N/A
3/31/20176,9482,168N/A6,803N/A
12/31/20166,9862,251N/A6,511N/A
9/30/20166,8982,222N/A6,676N/A
6/30/20166,8382,192N/A6,178N/A
3/31/20166,8942,244N/A6,019N/A
12/31/20156,7952,214N/A6,184N/A
9/30/20156,7022,198N/A5,341N/A
6/30/20156,5472,172N/A5,319N/A
3/31/20156,4422,103N/A5,233N/A
12/31/20146,3132,109N/A5,340N/A
9/30/20146,1672,021N/A5,439N/A
6/30/20146,1562,114N/A5,908N/A
3/31/20146,0142,178N/A5,865N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: SYF's forecast earnings growth (1.6% per year) is below the savings rate (2.8%).

Earnings vs Market: SYF's earnings (1.6% per year) are forecast to grow slower than the US market (14.3% per year).

High Growth Earnings: SYF's earnings are forecast to grow, but not significantly.

Revenue vs Market: SYF's revenue (16.6% per year) is forecast to grow faster than the US market (8.8% per year).

High Growth Revenue: SYF's revenue (16.6% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: SYF's Return on Equity is forecast to be low in 3 years time (18.4%).

Discover growth companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/22 11:17
End of Day Share Price 2025/02/21 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 44 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David GeorgeBaird
Brennan CrowleyBaird
Mark DeVriesBarclays