Synchrony Financial (syf)
SYF — Company Overview
Synchrony Financial (SYF) trades on NYQ as part of the Financial Services peer group (Credit Services).
| Ticker | SYF |
| Sector | Financial Services |
| Industry | Credit Services |
| Exchange | NYQ |
| Market cap | $22.99B |
| Last price | $70.67 |
| Size category | Large Cap |
SYF — Business Description
SYF represents a Credit Services business in the Financial Services segment. 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 o…
Official website: https://www.synchrony.com.
SYF — Investment Thesis
At a high level, SYF offers exposure to Financial Services with metrics outlined below from public market data.
- Revenue is expanding at roughly 0.6% year-over-year (public data).
- Trailing P/E near 7.45× suggests a value-oriented earnings multiple.
- Dividend yield near 1.9% adds an income component to total return.
- Equity market capitalization is approximately $22.99B.
See the free estimates and earnings pages for public targets and growth metrics. Ownership, live news, and deeper models remain in Vest Terminal.
SYF — Financial Health
Key financial health indicators for Synchrony Financial are derived exclusively from public data — no proprietary estimates.
Profit margin of 35.5% indicates solid bottom-line conversion.
| Trailing P/E | 7.45× |
| Forward P/E | 6.76× |
| Price / Sales | 2.32× |
| Price / Book | 1.51× |
| Gross margin | 0.0% |
| Operating margin | 50.2% |
| Profit margin | 35.5% |
| Return on equity | 20.8% |
SYF — Growth Outlook
Growth outlook for Synchrony Financial (SYF) depends on demand trends in Credit Services and the company's ability to convert revenue into sustainable earnings.
- Revenue growth of 0.6% suggests steady but measured expansion.
- Earnings growth of 3.6% year-over-year supports improving profitability.
- Price is 20.4% below the 52-week high.
- Shares trade 12.0% above the 52-week low — limited rebound so far.
SYF — Competitive Position
Synchrony Financial (SYF) is evaluated against peers on scale, margin structure, and capital efficiency within Financial Services.
- Competes within Financial Services, specifically in Credit Services.
- Market capitalization of $22.99B places SYF among large-cap peers.
- Gross margin of 0.0% should be benchmarked against direct competitors.
SYF — Strengths
Strengths for Synchrony Financial (SYF) inferred from public financial metrics:
- Earnings growth of 3.6% year-over-year.
- Return on equity near 20.8% — efficient use of shareholder capital.
- Dividend yield of 1.9% for income-oriented holders.
- Large Cap scale ($22.99B) may provide distribution and funding advantages.
SYF — Weaknesses
Weaknesses and pressure points for Synchrony Financial (SYF) based on available data:
Insufficient public data to assess this factor.
SYF — Opportunities
- Trading 12.0% above the 52-week low — potential recovery if fundamentals stabilize.
SYF — Risks
- Beta of 1.31 implies above-market volatility.
SYF — Summary
Synchrony Financial (SYF) is a large-cap Financial Services company focused on Credit Services, listed on NYQ. Last price $70.67 with market cap $22.99B. Trailing P/E 7.45×. Revenue grew 0.6% year-over-year per public data. Notable strengths include earnings growth of 3.6% year-over-year. Premium Terminal tools for Synchrony Financial add ownership analytics, news, and richer estimate history beyond this public summary.
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Synchrony Financial FAQ
What does Synchrony Financial (SYF) do?
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 credi…
What is SYF's P/E ratio?
Synchrony Financial has a trailing P/E of 7.45× based on publicly available market data.
Does SYF pay a dividend?
Indicated dividend yield: 1.9%. Confirm ex-dates and payout history in Vest Terminal.
What sector is SYF in?
Synchrony Financial is classified in Financial Services (Credit Services) on NYQ.
What is SYF's market capitalization?
Approximate market cap: $22.99B.
What are the main risks for SYF?
Key risks include above-average volatility (beta 1.31), among factors on this page.
What are the strengths of SYF?
Potential positives include earnings growth of 3.6% year-over-year, return on equity near 20.8% — efficient use of shareholder capital.
Where can I get analyst estimates for SYF?
Public analyst price targets and consensus for Synchrony Financial are on the free /stocks/syf/estimates page. Deeper estimate history and models are available in Vest Terminal.