SYF Stock Forecast, Price Targets, Chart, Dividends & Analysis
Synchrony Financial
SYF 
NYE
Sector: Financial Services
Industry: Credit Services
61.44
USD
-0.35
(-0.57%)
Previous close: 61.79 Open: 61.07 Bid: 58.25 Ask: 62.13
52 week range
40.55 70.93
Mkt Cap: 23,128 M Avg Vol (90 Days): 4,363,877
Last updated: Friday 13th June 2025
Metrics
Valuation
Returns
7 Day Return | 6.95% | |
1 Month Return | 0.13% | |
3 Month Return | 15.83% | |
1 Year Return | 43.50% | |
3 Year Return | 122.94% | |
5 Year Return | 185.21% | |
YTD Return | -5.48% |
Risk
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 63.63 |
14 Day SMA ($) | 59.03 |
14 Day EMA ($) | 59.47 |
Money Flow Index | 55.83 |
Average True Range | 1.71 |
50 Day SMA ($) | 54.32 |
200 Day SMA ($) | 58.07 |
ADX | 16.30 |
MACD | -1.56 |
Growth
Profitability
Peers
| Stock | Dividend | Market Cap (B) | PE | Price ($) |
|---|
Financials
SYF Income Statement
Annual
| Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | Dec-24 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | -42 M | -42 M | 42 M | 42 M | 72 M | |||||
| Basic EPS from continuing operations | 2.66 | 2.71 | 2.43 | 3.76 | 5.59 | 2.28 | 7.4 | 6.19 | 5.21 | 8.64 |
| Basic EPS total | 2.66 | 2.71 | 2.43 | 3.76 | 5.59 | 2.28 | 7.4 | 6.19 | 5.21 | 8.64 |
| Basic weighted shares outstanding | 834 M | 829 M | 796 M | 742 M | 670 M | 589 M | 565 M | 480 M | 421 M | 390 M |
| CreditLossesProvision | 2,952 M | 3,986 M | 5,296 M | 5,545 M | 4,180 M | 5,310 M | 726 M | 3,375 M | 5,965 M | 6,733 M |
| Depletion | 2,738 M | |||||||||
| Depreciation unreconciled | 2,738 M | |||||||||
| Diluted EPS total | 2.65 | 2.71 | 2.42 | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 |
| Diluted normalized net income/share | 2.65 | 2.71 | 2.42 | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 |
| Diluted weighted shares outstanding | 836 M | 832 M | 800 M | 747 M | 674 M | 591 M | 569 M | 483 M | 424 M | 395 M |
| Dividends paid per share | 0.26 | 0.56 | 0.26 | 0.9 | 0.96 | 1.0 | ||||
| FeesAndCommissions | 5,102 M | 3,380 M | 3,159 M | 7,271 M | 7,856 M | 9,913 M | ||||
| GainOnSaleOfBusiness | 1,069 M | |||||||||
| GeneralAndAdministrativeExpense | 847 M | 810 M | 943 M | 908 M | 889 M | 976 M | 644 M | |||
| ImpairmentOfCapitalAssets | -30 M | -50 M | ||||||||
| Income before tax | 3,531 M | 3,570 M | 3,324 M | 3,644 M | 4,887 M | 1,797 M | 5,503 M | 3,962 M | 2,904 M | 4,553 M |
| Income restructuring and M&A | -87 M | |||||||||
| Income taxes | 1,317 M | 1,319 M | 1,389 M | 854 M | 1,140 M | 412 M | 1,282 M | 946 M | 666 M | 1,054 M |
| InsuranceAndClaims | 847 M | 810 M | 943 M | 908 M | 889 M | 976 M | 644 M | |||
| Interest expense | 1,135 M | 1,248 M | 1,391 M | 1,870 M | 2,291 M | 1,665 M | 1,032 M | 1,521 M | 2,952 M | 3,806 M |
| InterestExpenseForDeposit | 607 M | 3,629 M | 848 M | 1,186 M | 1,566 M | 1,094 M | 566 M | 1,008 M | 2,952 M | 3,806 M |
| InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 2,937 M | |||||||||
| InterestExpenseForShortTermDebt | 524 M | 277 M | 280 M | 340 M | 367 M | 334 M | 297 M | 317 M | 419 M | |
| InterestIncome | 13,228 M | 14,778 M | 16,407 M | 17,988 M | 19,090 M | 16,067 M | 15,271 M | 16,881 M | 19,902 M | 21,596 M |
| InterestIncomeAfterProvisionForLoanLoss | 9,141 M | 9,544 M | 9,720 M | 10,573 M | 12,619 M | 9,092 M | 13,513 M | 12,250 M | 11,034 M | 11,278 M |
| InterestIncomeFromInvestmentSecurities | 49 M | 96 M | 188 M | 344 M | 385 M | 117 M | 43 M | 17,146 M | 20,710 M | 22,645 M |
| InterestIncomeFromLoans | 13,179 M | 14,682 M | 16,219 M | 17,644 M | 18,705 M | 15,950 M | 15,228 M | 16,881 M | 19,902 M | 21,596 M |
| InterestIncomeFromLoansAndLease | 13,179 M | 14,682 M | 16,219 M | 17,644 M | 18,705 M | 15,950 M | 15,228 M | 16,881 M | 19,902 M | 21,596 M |
| InterestIncomeFromSecurities | 49 M | 96 M | 188 M | 344 M | 385 M | 117 M | 43 M | 17,146 M | 20,710 M | 22,645 M |
| MarketingExpense | 3,645 M | |||||||||
| Net income from total operations | 2,214 M | 2,251 M | 1,935 M | 2,790 M | 3,747 M | 1,385 M | 4,221 M | 567 M | 2,238 M | 3,499 M |
| NetIncomeCommonStockholders | 2,214 M | 2,495 M | 2,198 M | 1,264 M | 4,105 M | 1,622 M | 4,390 M | 2,974 M | 2,196 M | 3,427 M |
| NetIncomeContinuousOperations | 2,214 M | 2,251 M | 1,935 M | 2,790 M | 3,747 M | 1,385 M | 4,221 M | 567 M | 2,238 M | 3,499 M |
| NetInterestIncome | 12,093 M | 13,530 M | 15,016 M | 16,118 M | 16,799 M | 14,402 M | 14,239 M | 15,625 M | 16,999 M | 18,011 M |
| NonInterestExpense | 3,264 M | 3,416 M | 3,747 M | 4,095 M | 4,245 M | 4,055 M | 3,963 M | 4,337 M | 4,758 M | 4,839 M |
| NonInterestIncome | 392 M | 344 M | 288 M | 265 M | 371 M | 405 M | 481 M | 380 M | 289 M | 1,521 M |
| Normalized income | -7,491 M | |||||||||
| Other special charges | -9,527 M | -10,571 M | -10,929 M | |||||||
| OtherGandA | 847 M | 810 M | 943 M | 908 M | 889 M | 976 M | 644 M | |||
| OtherInterestExpense | 4 M | -1,248 M | -1,391 M | 1,870 M | -2,291 M | -1,665 M | -1,032 M | -15,625 M | -16,999 M | -18,011 M |
| OtherNonInterestExpense | 730 M | 761 M | 871 M | 954 M | 1,034 M | 940 M | 1,036 M | 1,337 M | 1,505 M | 1,507 M |
| OtherNonInterestIncome | 392 M | 344 M | 288 M | 265 M | 371 M | 405 M | 481 M | 268 M | 118 M | 1,315 M |
| OtherunderPreferredStockDividend | -42 M | -42 M | 42 M | 42 M | 72 M | |||||
| PreferredStockDividends | -42 M | -42 M | 42 M | 42 M | 72 M | |||||
| ProfessionalExpenseAndContractServicesExpense | 645 M | 638 M | 629 M | 806 M | 867 M | 759 M | 782 M | 832 M | 842 M | 936 M |
| PromotionAndAdvertising | 2,937 M | 4,528 M | ||||||||
| RentAndLandingFees | 3,099 M | |||||||||
| Research & development expense | 2,902 M | 3,099 M | ||||||||
| ResearchExpense | 2,902 M | 3,099 M | ||||||||
| Revenue per share | -32 M | -35 M | 44 M | 71 M | 90 M | |||||
| SalariesAndWages | 1,042 M | 1,207 M | 1,304 M | 1,427 M | 1,455 M | 1,380 M | 1,501 M | 1,681 M | 1,884 M | 1,872 M |
| SecuritiesActivities | 5,102 M | 3,380 M | 3,159 M | 7,271 M | 7,856 M | 9,913 M | ||||
| SecuritiesAmortization | 4,528 M | |||||||||
| Selling Gen & administrative expense | 4,627 M | 2,017 M | 5,184 M | 2,335 M | 6,202 M | 6,001 M | 2,145 M | 1,681 M | 1,884 M | 1,872 M |
| SellingAndMarketingExpense | 2,738 M | 2,937 M | 3,858 M | 3,645 M | 4,528 M | |||||
| SellingExpense | 2,738 M | 3,858 M | ||||||||
| Special income/charges | -730 M | -761 M | -871 M | -954 M | -1,034 M | -940 M | -1,036 M | -1,337 M | -1,505 M | -1,507 M |
| Total common shares outstanding | 834 M | 811 M | 760 M | 710 M | 613 M | 584 M | 521 M | 437 M | 407 M | 389 M |
| Total net income | 2,214 M | 2,251 M | 1,935 M | 2,790 M | 3,747 M | 1,385 M | 4,221 M | 567 M | 2,238 M | 3,499 M |
| Total ordinary shares | 381 M | 381 M | 381 M | 381 M | 381 M | 381 M | 381 M | 381 M | 381 M | 381 M |
| Total revenues | 12,485 M | 13,874 M | 15,304 M | 16,383 M | 17,170 M | 14,807 M | 14,720 M | 16,005 M | 17,288 M | 19,532 M |
| TotalRevenue | 12,485 M | 13,874 M | 15,304 M | 16,383 M | 17,170 M | 14,807 M | 14,720 M | 16,005 M | 17,288 M | 19,532 M |
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