Synchrony Financial: stock overview

SYFNYSEFinancial services · Finance ServicesBank

Price

$72.25

November 13, 2026Market cap $22.5B

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  • The full history: 14 fiscal years, from 2012
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

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In short

Synchrony Financial had revenue of $19.3B over the last 12 months and net income of $3.3B, a net margin of 17.3%. Revenue grew by 5.1% a year on average over the last 5 years. At $72.25 the shares trade at a P/E of 6.9, against a median of 7.4 over the last 5 fiscal years. It pays a dividend yielding 1.77%.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$22.5B
311M shares
P/E
6.9
Today6.9
Median7.4
Revenue, 12 months
$19.3B
+5.1% a year over 5 years
Net margin
17.3%
2025: 18.7%, above 75% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+4.8% a year over 2 years

  • 202510-K
    Revenue$19.0B
  • 202410-K
    Revenue$19.5B
  • 202310-K
    Revenue$17.3B

Fiscal years in figures

SYF's revenue, profit, cash flow and dividend with each year-end price, from 2012 to 2022, 11 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $25.3B
$22.5B
P/E 3-year median: 7.6
6.9
P/B 3-year median: 1.5
1.5
Earnings yield 3-year median: 13.2%
14.4%

Profitability

Net margin 3-year median: 17.9%
17.3%
ROE 
19.9%

Growth

Revenue, yearly change 
-2.8%
EPS, yearly change 
+8.5%
Revenue, average a year 
+5.1%
EPS, average a year 
+32.5%

The yearly change compares FY2025 with FY2024.

Returns to shareholders

Dividend yield 3-year median: 1.5%
1.77%
Buybacks 
13.07%
Total returned 
14.84%
Shares, yearly change 
-10.6%
Valuation against its own pastEach fiscal year's P/E and P/B beside today's, and the calculator for the bank.Valuation

Bank health

Core capital (CET1) is 14.4% of risk-weighted assets, loan reserves cover the loans past due 5.0 times, and the group earned 22.2% on its common equity over the last 12 months.

  • Loans past due are above 2%, about twice the recent average for US banks.
14.4%
12%
2.04%
10.18%
5.00x
5.39%
12.91%
37%
103%
12.6%

The SYNCHRONY FINANCIAL group (Federal Reserve)

22.2%
12%
6.4x
7.1 years of dividends

Historically, in the Fed's data for US banks from 2001 to 2025, when a group paid out more than 75% of its earnings about 4 in 10 cut the dividend the next year, against about 1 in 20 of the rest. Capital (CET1) did not tell the cutters apart. It is a historical measure, not a forecast for this bank.

A year earlier (Jun 30, 2025): CET1 from 14.3% to 14.4% · Uninsured from 11% to 12% · Past due from 2.10% to 2.04% · Reserves to loans from 10.68% to 10.18%

From quarterly FDIC Call Reports for Synchrony Bank, as of Jun 30, 2026. Group figures from FR Y-9C filings with the Federal Reserve, as of Jun 30, 2026.

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Net margin

18.7%

Above 75% of the 105 companies in its industry, and 81% of all.

ROE

21.2%

Above 86% of the 102 companies in its industry, and 85% of all.

ROA

3.0%

Above 79% of the 109 companies in its industry, and 61% of all.

Revenue growth

-2.8%

Above 21% of the 106 companies in its industry, and 21% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Synchrony Financial
CIK
1601712
Exchange
NYSE
Industry (SIC)
6199 · Finance Services
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
311M

Other companies: Financial services

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The Financial services sectorAll companies

The full analysis

What do Synchrony Financial's filings show?

These are Synchrony Financial's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about SYF

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What is SYF's market cap?

Synchrony Financial's market cap is $22.5B, at a price of $72.25 on November 13, 2026 and 311M shares.

What is SYF's P/E?

SYF's P/E is 6.9, on earnings per share of $9.60 over the last 12 months. The median over the last 5 fiscal years was 7.4.

How much revenue does SYF have?

Synchrony Financial had revenue of $19.3B over the last 12 months. Over the last 5 years it changed by +5.1% a year on average.

Does SYF pay a dividend?

Yes. Synchrony Financial paid $1.28 per share over the last 12 months, a yield of 1.77% at today's price. All the figures are in the Dividend section.

Where do the figures come from?

From Synchrony Financial's SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.