MARKETSnap
  • Gainers &
    Losers
  • Most Active &
    More
  • 52-Week
    High/Low
  • P/E
    Ratios
    • Large Caps
    • Absolute
    • Total Market PE
  • Stocks
    Performance
    • Large Caps
    • Absolute
  • Industries
    Performance
    • Industry
    • Sector
  • Dividends
  • 📅 Calendar
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 🔧 Tools
    • 💰 Intrinsic Value Calculator
    • 📈 Compounding Calculator
    • 🤖 Stock Pick Screener
  • More
    • Investment Compounding Calculator
    • Commodities
    • Currencies
    • Economic Indicators
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
SYF-

SYF-PB

Synchrony Financial

$25.66
-0.03
 (-0.12%)
Exchange:  NYSE
Market Cap:  23.703B
Shares Outstanding:  589M
Delayed data
Calculate SYF-PB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Brian D. Doubles
Full Time Employees:  20000
Address: 
777 Long Ridge Road
Stamford
CT
6902
US
Website:  https://www.synchrony.com
Synchrony Financial, along with its subsidiary companies, functions as a leading provider of financial services to consumers across the United States. The firm specializes in delivering a variety of credit instruments, including personal credit cards, commercial credit solutions, and consumer installment loans. Its product portfolio is extensive, featuring private label credit cards, co-branded and general-purpose credit cards, and both short- and long-term installment financing options. Beyond credit, Synchrony also offers a comprehensive suite of consumer banking and deposit products. These deposit services include certificates of deposit (CDs), individual retirement accounts (IRAs), money market accounts, savings accounts, and specialized sweep and affinity deposits. The company further facilitates deposit acceptance through external securities brokerage firms. Synchrony extends additional services such as debt cancellation products to its credit cardholders, accessible via online platforms, mobile apps, and direct mail. It is also a significant player in providing payment and financing solutions within the healthcare industry, operating under its prominent CareCredit and Walgreens brands. Furthermore, the company delivers payment and financing services to diverse sectors like apparel, specialty retail, outdoor recreation, music, and luxury goods, partnering with well-known entities such as American Eagle, Dick’s Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company’s credit products are distributed through structured programs developed in collaboration with a broad network of national and regional retailers, local businesses, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products are made available via both digital and traditional print channels. Synchrony’s services cater to numerous industries, including digital commerce, health and wellness, retail, home goods, automotive, telecommunications, jewelry, and pet care. The organization was established in 1932 and maintains its corporate headquarters in Stamford, Connecticut.

Click to read more…

Revenue Segmentation

🔒 You are currently logged out

Login

It’s free

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

Log in to continue

Log in for the full EPS chart and links to analyst estimates.

Login — it's free
View full analyst estimates

Earnings Call

No earnings call materials on file for this symbol yet.

Log in to continue

Log in to read the full transcript and AI-generated earnings summaries.

Login — it's free
Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue17,338,00020,759,00019,116,000
Gross Profit7,662,0009,392,0009,756,000
EBITDA3,362,0005,034,0005,135,000
Operating Income2,904,0004,553,0004,621,000
Net Income2,238,0003,499,0003,552,000

Log in to continue

Log in to see the income statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets117,479,000119,463,000119,095,000
Total Liabilities103,576,000102,883,000102,329,000
Total Stockholders Equity13,903,00016,580,00016,766,000
Total Debt15,982,00015,462,00015,182,000
Cash and Cash Equivalents14,259,00014,711,00014,973,000

Log in to continue

Log in to see the balance sheet and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow8,593,0009,848,0009,851,000
Capital Expenditure000
Free Cash Flow8,593,0009,848,0009,851,000
Net Income2,238,0003,499,0003,552,000
Net Change in Cash3,991,000334,000262,000

Log in to continue

Log in to see the cash flow statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)16,569,643.968Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)17,289,212.570Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)16,961,598.617Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)5,176,638.616Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)5,401,444.087Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)5,299,091.916Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)4,642,514.406Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)4,906,480.329Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)4,786,297.651Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,419,049.152Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)2,524,101.006Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)2,476,271.719Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)12.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)13.120Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)12.420Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)14Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in and subscribe to Full Access to see up to 5 years of analyst estimates.

Login — it's free

(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.2
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
6.74
?Enterprise Value
 (TTM)
: 
19.697B  ?EV/FCF
 (TTM)
: 
2
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.14
?ROE
 (TTM)
: 
0.21  ?ROIC
 (TTM)
: 
0.03
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1
?P/B
 (TTM)
: 
1.47  ?Current Ratio
 (TTM)
: 
0

Log in to continue

Log in to see all key valuation metrics and ratios for this symbol.

Login — it's free

Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
2.76Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in with Full Access for forward P/E high/low estimates and the full multi-year table.

Login — it's free

SWOT Analysis

🔒 You are currently logged out

Login

It's free

At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about SYF-PB valuation

Is Synchrony Financial (SYF-PB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Synchrony Financial (SYF-PB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SYF-PB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SYF-PB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SYF-PB’s P/E ratio?

You can see SYF-PB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SYF-PB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SYF-PB a good long-term investment?

Whether SYF-PB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SYF-PB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.12
MARKETSnap

Trading Metrics:

Open: 25.74   Previous Close: 25.69
Day Low: 25.57   Day High: 25.76
Year Low: 24.84   Year High: 26.73
Price Avg 50: 25.92   Price Avg 200: 26.01
Volume: 25379   Average Volume: 42908

Log in to continue

Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.

Login — it's free
See in Nexus

Relevant news

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
Terms of Service

Copyright © 2025 MarketSnap. All rights reserved.

Contact Us

Privacy Policy

Cookie Policy

Terms of Service

Hover Image
MARKETSnap

Market

🇺🇸 United States

Language

  • Gainers & Losers
  • Most Active & More
  • 52-Week High/Low
  • Dividends
    • Large Caps
    • Absolute
    • Total Market PE
    • Large Caps
    • Absolute
    • Industry
    • Sector
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 💰 Stock intrinsic value Calculator
  • 📈 Investment Compounding Calculator
  • 🤖 Stock Pick Screener
  • 📋 Watchlist & Portfolio
    • Commodities
    • Currencies
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
  • Nexus
  • Login Login
  • Profile Profile
  • Watchlists Watchlists
  • My Valuations My Valuations
  • Settings Settings

Media

Watch Listen Read