SYF- Synchrony Financial
Financial Services · Credit Services
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 23 analysts
12-Month Price Target
$89.30
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $75.88
Graham Number
√(22.5 × EPS × Book Value)
$101.23
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$16.30
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
10Y hist.10+ years of dividend history
Dividend consistency (5Y+)
10 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
20.8%Return on equity - measures how efficiently capital is used
Positive profit margin
35.5%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+0.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+3.6%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$267M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.79%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 14, 2026
29
days
EPS (TTM)
$9.75
P/E (TTM)
7.8
Fwd P/E
7.2
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.79%
5Y Avg Annual
$0.9900
Last Payment
$0.3400
Ex-Date
08/05/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/05/2026 | 08/17/2026 | $0.3400 | 1.79% |
05/05/2026 | 05/17/2026 | $0.3000 | 1.58% |
02/06/2026 | 02/18/2026 | $0.3000 | 1.58% |
11/05/2025 | 11/17/2025 | $0.3000 | 1.58% |
08/05/2025 | 08/17/2025 | $0.3000 | 1.58% |
05/05/2025 | 05/17/2025 | $0.3000 | 1.58% |
02/03/2025 | 02/15/2025 | $0.2500 | 1.32% |
11/04/2024 | 11/16/2024 | $0.2500 | 1.32% |
Magic Number
Shares needed to self-fund your next purchase
$75.88
Price
$0.3400
Last div. (quarterly)
224
shares
Own 224 SYF shares ($16,997.12) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$16,997.12
New shares / year
+4 shares
Dividend Calculator
1.79% yieldEstimate SYF dividend income at the current rate.
Per year
$179.23
Per month
$14.94
≈ 131.8 shares at $1.36/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
SYF vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Synchrony Financial
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. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Sector
Financial Services
Industry
Credit Services
Location
Stamford, United States
Employees
20,000
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Synchrony Financial (SYF) stock trades at $75.88, down 0.14% on the day. With a market capitalization of $24.69 billion, SYF is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 7.8, a forward P/E of 7.2 and earnings per share (EPS) of $9.75. Over the most recent period the company reported 1% year-over-year revenue growth and a net profit margin of 35.5%. Below you'll find SYF's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
SYF - Frequently Asked Questions
Is Synchrony Financial (SYF) a good stock to buy in 2026?
Synchrony Financial (SYF) shows strengths such as a strong 36% net margin and a 21% return on equity. Whether SYF is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is SYF's stock price today?
Synchrony Financial (SYF) trades at $75.88, down 0.14% on the session. Prices on this page update throughout the trading day.
Does SYF pay a dividend?
Yes. Synchrony Financial pays an annual dividend of $1.36 per share, a dividend yield of 1.79%. The most recent ex-dividend date was August 5, 2026. Its payout ratio is about 12% of earnings.
Is SYF overvalued?
With a P/E ratio of 7.8×, SYF trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.94 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is SYF's market cap?
Synchrony Financial (SYF) has a market capitalization of $24.69 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.