Synchrony Financial (SYF)
Issues partner-based cards and point-of-sale financing across retail, digital, healthcare, and lifestyle markets.
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Issues private-label and co-branded cards, commercial credit, and installment loans through retail, digital, home, automotive, healthcare, and lifestyle partnerships. Interest and fees on receivables drive revenue, while Synchrony Bank deposits fund most lending and the U.S.-focused portfolio remains concentrated among several major partner programs.
Issues private-label and co-branded credit cards, commercial credit products, and consumer installment loans through retail, digital, home and auto, healthcare, and lifestyle partners. CareCredit serves elective health, wellness, and veterinary purchases, while Synchrony Bank offers insured savings products that fund most lending activity.
Long-running merchant programs, embedded point-of-sale tools, digital underwriting, and account servicing support credit at checkout and partner loyalty offers. Operations are managed as a single segment, with substantially all revenue-generating activity in the United States across Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle.
Revenue comes chiefly from interest and fees on receivables; promotional-financing merchants also pay discounts, and broader-use cards generate interchange. Results depend on consumer credit performance, deposit funding, bank and consumer-finance regulation, and retaining a concentrated group of major programs.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 25, 2026 | Wolfe Research | Reiterate | Rating: —Target: $50 | Target: $90 |
| Aug 3, 2026 | UBS | Reiterate | Rating: —Target: $82 | Target: $87 |
| Jul 22, 2026 | Deutsche Bank | Reiterate | Rating: —Target: $68 | Target: $104 |
| Jul 22, 2026 | RBC Capital | Reiterate | Rating: —Target: $85 | Target: $80 |
| Jul 22, 2026 | Robert W. Baird | Target | Target: $83 | Target: $90 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $16.19B · Total debt $16.43B · Total assets $121.93B · Shareholders' equity $16.90B
- Revenue
- $4.69B
- Operating income
- $1.19B
- Net income
- $885.0M
HistoryDividendAnnual yield
| Institutions | ≈ 105.38% | 342.89M shares | |
|---|---|---|---|
| 1,038 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 0.51% | 1.65M shares | |
| 21 holders · as of Aug 19, 2026 | |||
| Adds to | 105.89% | ||
325.37M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 105.89%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 9.49% | 30.89M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.77% | 22.01M | as of Jun 30, 2026 |
Capital World InvestorsInstitution | 5.81% | 18.92M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.56% | 18.09M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.45% | 17.73M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Alberto Casellas | officer: See remarks | −5,456 | $80.00 |
| Aug 3, 2026 | Arthur W. Jr Coviello | director | −4,000 | $77.17 |
| Aug 3, 2026 | Courtney Gentleman | officer: See remarks | −721 | $76.73 |
| Aug 3, 2026 | Darrell Owens | officer: See remarks | −610 | $76.73 |
| May 15, 2026 | Jonathan S. Mothner | officer: See remarks | −11,258 | $71.23 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Synchrony Financial | $73.82 | −1.57% | $24.40B | 7.7 | 7.8 | 1.3 | −21.1% |
| Bread Financial | $106.37 | −1.51% | $4.36B | 8.4 | 8.6 | 0.9 | +7.2% |
| Capital One | $201.00 | −1.91% | $125.72B | 12.7 | 9.3 | 1.6 | +26.0% |
| Citi | $130.98 | −3.01% | $231.60B | 14.6 | 11.3 | 1.3 | +14.3% |
| JPMorgan Chase | $337.86 | −4.03% | $943.29B | 15.2 | 14.0 | 3.2 | +27.8% |
| American Express | $307.85 | −1.83% | $211.77B | 19.0 | 16.5 | 2.5 | +10.0% |
| Affirm | $71.67 | +0.87% | $23.79B | 12.9 | 37.5 | 5.7 | +33.0% |
| SoFi | $17.26 | +1.71% | $21.77B | 35.4 | 23.6 | 3.9 | +41.0% |
| Ally Financial | $39.68 | −0.53% | $12.13B | 9.4 | 6.6 | 0.8 | −0.3% |
| Median | 13.7 | 12.6 | 2.1 | +20.2% |