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Synchrony Financial (SYF)

Synchrony Financial at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Synchrony Financial (SYF) is a Financial - Credit Services company based in US with a market capitalization of $24.2B. Revenue declined 7.9% year-over-year and the company generated $9.9B in free cash flow. This page tracks SYF's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 20K employees · IPO Jul 31, 2014

Valuation

Valuation & price

$71.38 · as of May 17, 2026 · -19.3% vs 52w high

7.2

P/E ratio

Latest-FY diluted EPS

1.45

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$88.47$76.22$63.97Jul 25Dec 25Jul 26Jul 7, 25$69.70Jul 9, 25$70.16Jul 11, 25$70.61Jul 15, 25$68.56Jul 17, 25$70.19Jul 21, 25$69.44Jul 23, 25$72.08Jul 25, 25$72.90Jul 29, 25$71.30Jul 31, 25$69.67Aug 4, 25$69.25Aug 6, 25$69.45Aug 11, 25$69.60Aug 13, 25$72.59Aug 15, 25$71.49Aug 19, 25$71.59Aug 21, 25$71.23Aug 25, 25$74.00Aug 27, 25$75.76Aug 29, 25$76.34Sep 3, 25$75.49Sep 5, 25$75.61Sep 9, 25$76.07Sep 11, 25$76.01Sep 16, 25$74.53Sep 18, 25$76.53Sep 22, 25$75.58Sep 24, 25$74.63Sep 26, 25$74.54Sep 30, 25$71.05Oct 2, 25$70.28Oct 6, 25$71.38Oct 8, 25$70.97Oct 10, 25$68.02Oct 14, 25$72.84Oct 16, 25$70.25Oct 21, 25$74.00Oct 23, 25$73.24Oct 27, 25$74.96Oct 29, 25$73.21Oct 31, 25$74.38Nov 4, 25$73.30Nov 6, 25$73.55Nov 10, 25$74.70Nov 12, 25$75.49Nov 14, 25$73.09Nov 18, 25$71.22Nov 20, 25$72.25Nov 25, 25$76.51Nov 28, 25$77.36Dec 2, 25$78.88Dec 4, 25$80.40Dec 8, 25$79.78Dec 10, 25$84.55Dec 12, 25$84.22Dec 16, 25$83.39Dec 18, 25$83.68Dec 22, 25$85.85Dec 24, 25$86.06Dec 29, 25$84.74Jan 2, 26$84.65Jan 6, 26$88.47Jan 8, 26$87.73Jan 12, 26$79.63Jan 14, 26$77.82Jan 16, 26$80.19Jan 21, 26$77.13Jan 23, 26$76.61Jan 27, 26$73.00Jan 29, 26$73.37Feb 2, 26$73.52Feb 4, 26$75.22Feb 9, 26$73.95Feb 11, 26$72.93Feb 13, 26$71.38Feb 18, 26$72.85Feb 20, 26$73.37Feb 24, 26$70.77Feb 26, 26$73.98Mar 2, 26$68.64Mar 4, 26$69.27Mar 6, 26$66.67Mar 10, 26$65.46Mar 12, 26$63.97Mar 17, 26$65.15Mar 19, 26$65.51Mar 23, 26$66.55Mar 25, 26$67.63Mar 27, 26$65.36Mar 31, 26$68.02Apr 2, 26$68.42Apr 7, 26$68.85Apr 9, 26$72.49Apr 13, 26$73.79Apr 15, 26$75.99Apr 17, 26$78.34Apr 22, 26$78.69Apr 24, 26$76.30Apr 28, 26$76.25Apr 30, 26$76.20May 4, 26$74.24May 6, 26$75.15May 8, 26$73.14May 12, 26$70.84May 14, 26$71.26May 18, 26$71.05May 20, 26$72.05May 22, 26$71.83May 28, 26$71.47Jun 1, 26$70.82Jun 3, 26$68.72Jun 5, 26$70.84Jun 9, 26$72.33Jun 11, 26$72.33Jun 15, 26$74.61Jun 17, 26$74.11Jun 22, 26$75.71Jun 24, 26$76.32Jun 26, 26$78.66Jul 2, 26$76.33
$63.7852-week range$88.47
Loading valuation history…

Fundamentals

Key fundamentals

$24.2B

Market cap

-7.9%

Revenue growth (YoY)

51.0%

Gross margin

$9.9B

Free cash flow (USD)

-$2.1B

Net debt

Net cash position

-9.8%

Share dilution

4/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$12.2BFY 2017$13.8BFY 2018$15.2BFY 2019$15.6BFY 2020$12.8BFY 2021$11.2BFY 2022$13.2BFY 2023$17.3BFY 2024$20.8BFY 2025$19.1B
$12.2B$19.1B

Free cash flow by year

2016 → 2025

FY 2016$6.8BFY 2017$8.9BFY 2018$9.3BFY 2019$9.0BFY 2020$7.5BFY 2021$7.1BFY 2022$6.7BFY 2023$8.6BFY 2024$9.8BFY 2025$9.9B
$6.8B$9.9B

Gross margin by year

2021 → 2025

FY 202184.3%FY 202262.9%FY 202344.2%FY 202445.2%FY 202551.0%
84.3%51.0%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

0

Insider buys · 90 days

4

Insider sells · 90 days

Earnings

Last report: 10-Q filed Apr 23, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • 8-K eventExecutive Leadership ChangesJun 29, 2026Filing
  • 8-K eventAnnual Meeting ResultsJun 25, 2026Filing
  • 8-K eventMonthly Charge-Off StatisticsJun 9, 2026Filing
  • 8-K eventDeposit AgreementJun 5, 2026Filing
  • Insider sellInsider Sell $3.7M · 10b5-1 PlanMOTHNER JONATHAN S · See remarks · $3.7MMay 19, 2026Filing
  • 8-K eventMonthly Charge-Off StatisticsMay 15, 2026Filing
  • Insider sellInsider Sell $444K · 10b5-1 PlanCasellas Alberto · See remarks · $443.5KMay 5, 2026Filing
  • Insider sellInsider Sell $306K · 10b5-1 PlanCOVIELLO ARTHUR W JR · Director · $306.2KMay 5, 2026Filing
  • Insider sellInsider Sell $646K · 10b5-1 PlanHowse Curtis · See remarks · $645.8KMay 5, 2026Filing
  • Quarterly report10-Q FiledApr 23, 2026Filing

Questions

Frequently asked questions

What is Synchrony Financial's market cap?

Synchrony Financial (SYF) has a market capitalization of $24.2B.

What is SYF's P/E ratio?

SYF trades at a price-to-earnings ratio of 7.2, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is SYF's price-to-book (P/B) ratio?

SYF trades at 1.45 times book value per share.

Are insiders buying SYF stock?

SEC Form 4 filings show no open-market insider buys at Synchrony Financial in the last 90 days (4 sells).

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Timeline

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News

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Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.