Synchrony Financial
Synchrony Financial is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. Synchrony Financial (NYSE: SYF) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic mix are not provided in the available data.
Analyst recommendations
23 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
- Congressional trades
- CongressJosh Gottheimer — Synchrony Financial Common Stock2026-04-09 · Democrat · NJ · Sale · $15,001 - $50,000
- CongressKathy Manning — Synchrony Financial2022-08-03 · NC · Sale · $1,001 - $15,000
- CongressKathy Manning — Synchrony Financial2022-07-20 · NC · Purchase · $1,001 - $15,000
- CongressZoe Lofgren — Synchrony Financial2022-04-28 · Democrat · CA · Sale · $1,001 - $15,000
- CongressSusie Lee — Synchrony Financial2021-09-30 · Democrat · NV · Sale · $1,001 - $15,000
- CongressZoe Lofgren — Synchrony Financial2021-09-30 · Democrat · CA · Purchase · $1,001 - $15,000
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Synchrony Financial (NYSE: SYF) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic mix are not provided in the available data.
Synchrony Financial (SYF) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 121,501,000,000 USD, total equity 16,477,000,000, short-term debt 0, long-term debt 0. Net cash position is approximately 20,559,000,000 USD. Self-calculated market cap is 25,700,880,000 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 805,000,000. Return on equity ~4.9%. Return on assets ~0.7%. Operating-cash-flow to net-income ratio is 2.71. Risk profile from automated assessment: liquidity risk low, dilution risk low. Flags: No immediate filing-based liquidity or dilution flags were detected.. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on SYF — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001601712-26-000030). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup, JPM.N, BAC.O.
- Observed GAAP P/E is about 31.93x.
- Return on equity is about 4.9%.
- Debt to equity is about 0.0x.
- [TRIGGER] 8-K: 8-K (sec_8k_material) on SYF — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001601712-26-000030)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
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Bull / Bear case
Generated · model-assistedNet income grew at a 25% compound annual rate from FY2023 to FY2025, demonstrating strong profitability expansion.
Analysts project 17.5% upside to a mean price target of $89.52, reflecting positive market sentiment.
The company trades at 1.9x tangible book value, offering a reasonable valuation multiple for a financial institution.
Cash conversion of 2.71 significantly exceeds the bank cohort median of 1.13, indicating superior earnings quality.
Total assets grew at a 0.8% CAGR over five years, showing stable balance sheet expansion.
Net income declined 1.5% year-over-year in FY2025, indicating a recent deceleration in profitability growth.
Return on assets of 0.66% remains low, suggesting limited ability to generate profit from total assets.
Equity declined 1.1% year-over-year in FY2025, reflecting a contraction in shareholder book value.
Total asset growth slowed to just 0.3% year-over-year in FY2025, highlighting stagnating balance sheet expansion.
In focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- See remarks · Employee Stock Option (right to buy) → Common StockDisposed 11 258 @ $34,30exercise · 2026-05-15
- See remarks · Phantom Stock Units → Common StockAcquired 1grant · 2026-05-15
- See remarks · Employee Stock Option (right to buy) → Common StockDisposed 5 794 @ $34,30exercise · 2026-05-01
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Synchrony Financial company facts · 2026-07-22
- Synchrony Financial 10-Q 2026-04-23 · 2026-07-22
- Synchrony Financial 10-K 2026-02-06 · 2026-07-22
- Synchrony Financial 10-Q 2025-10-22 · 2026-07-22
- Synchrony Financial 10-Q 2025-07-23 · 2026-07-22
- 8-K (sec_8k_material) on SYF · 2026-07-22
- Synchrony Financial Market data — analyst estimates · 2026-07-22
- Synchrony Financial Market data — ESG · 2026-07-22
- Synchrony Financial HA canonical relationships · 2026-07-22
- Synchrony Financial — company reference export (2026-07-05) · 2026-07-22
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,31 %$2 299M
- Investment Managers · as of 2026-03-310,26 %$363M
- Investment Managers · as of 2026-03-310,14 %$302M
- Investment Managers · as of 2026-03-310,09 %$653M
- Investment Managers · as of 2026-03-310,09 %$411M
- Institutional Investor · as of 2026-03-310,08 %$329M
- Investment Managers · as of 2026-03-310,07 %$111M
- Funds · as of 2026-03-310,06 %$383M
- Investment Managers · as of 2025-12-310,06 %$3 824M
- Institutional Investor · as of 2026-03-310,05 %$161M
- Investment Managers · as of 2026-03-310,05 %$99M
- Investment Managers · as of 2026-03-310,05 %$341M
- Investment Managers · as of 2024-12-310,04 %$153M
- Investment Managers · as of 2026-03-310,04 %$683M
- Investment Managers · as of 2026-03-310,04 %$1 206M
- Investment Managers · as of 2024-06-300,04 %$1 690M
- Institutional Investor · as of 2026-03-310,03 %$182M
- Investment Managers · as of 2026-03-310,03 %$208M
- Investment Managers · as of 2026-03-310,02 %$87M
- Investment Managers · as of 2026-03-310,02 %$310M
- Investment Managers · as of 2026-03-310,02 %$91M
- Investment Managers · as of 2026-03-310,02 %$29M
- Institutional Investor · as of 2022-09-300,01 %$0M
- Investment Managers · as of 2026-03-310,01 %$41M
- Investment Managers · as of 2026-03-310,01 %$23M
- Brokerage Firms · as of 2026-03-310,01 %$31M
- Institutional Investor · as of 2026-03-310,01 %$108M
- Brokerage Firms · as of 2026-03-310,01 %$26M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2026-03-310,00 %$11M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
Leadership
- Brian D. DoublesPresident, Chief Executive Officer, Director
Insider activity
- Director, See remarks · Common StockOther 2 353 @ $77,12$181K · 2026-07-28
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 1 200 @ $76,05$91K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- Director · Common StockOther 789 @ $76,05$60K · 2026-06-30
- See remarks · Dividend Equivalent UnitOther 74 @ $71,38$5K · 2026-05-15
- Director · Dividend Equivalent UnitOther 14 @ $71,38$999 · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 181 @ $71,38$13K · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 270 @ $71,38$19K · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 217 @ $71,38$15K · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 84 @ $71,38$6K · 2026-05-15
- Director · Dividend Equivalent UnitOther 14 @ $71,38$999 · 2026-05-15
- Director, See remarks · Dividend Equivalent UnitOther 1 017 @ $71,38$73K · 2026-05-15
- Director · Dividend Equivalent UnitOther 14 @ $71,38$999 · 2026-05-15
- Director · Dividend Equivalent UnitOther 152 @ $71,38$11K · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 181 @ $71,38$13K · 2026-05-15
- See remarks · Dividend Equivalent UnitOther 72 @ $71,38$5K · 2026-05-15
- Director · Dividend Equivalent UnitOther 7 @ $71,38$500 · 2026-05-15
Short positioning
Geographic breakdown
Intel & risk
no material change vs prior analysis (walked 17 fields; 4 schema-expansion field(s) excluded)
- Narrative— → —medium
- Conclusion— → —medium
- Key takeaways— → —medium
Evidence & claims
From filings & derived data- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -0.5%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): -0.3%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 1.1%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 0.0%Derived (calculated)
- Return on assets (FY 2025-12-31): 3.0%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 1.5%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): -1.8%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 8.5%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 8.6%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 1.8%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 6.10xDerived (calculated)
- Return on equity (FY 2025-12-31): 21.2%Derived (calculated)
- EPS (diluted) (annual): USD-PER-SHARES 9SEC XBRL filing
- Pre-tax income (annual): USD 4.62BSEC XBRL filing
- Total liabilities (annual): USD 102.33BSEC XBRL filing
- Net income (annual): USD 3.55BSEC XBRL filing
- Total assets (annual): USD 119.09BSEC XBRL filing
- Long-term debt (annual): USD 15.18BSEC XBRL filing
- Operating cash flow (annual): USD 9.85BSEC XBRL filing
- Shares outstanding (annual): 347MSEC XBRL filing
- Shareholders' equity (annual): USD 16.77BSEC XBRL filing
- Cash & equivalents (annual): USD 14.97BSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 9SEC XBRL filing
- Operating cash flow (YoY) (2024-12-31 vs 2023-12-31): 14.6%Derived (calculated)