profit from every $100 of sales.
$0$100
Synchrony Financial
$72.25+0.82% today
-2.1% in 1 year
1-year low $63.781-year high $88.47
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.33 for every $1 of profit it makes in a year.
CheapExpensive
It holds more cash than debt.
No debt5 years
Money in, money out
What Synchrony Financial sold, what it kept, and what it did with the cash.
Sales went from $11.7 billion in 2022 to $15.0 billion in 2025, with $3.55 billion of profit last year.
SalesProfit
Synchrony Financial handed back 35% of the cash it generated last year.
Buybacks $2.9B
Free cash flow 2025$9.9B
Bought back its own shares$2.9B
Paid as dividends$510M
Cash vs. debt$15.0B vs. $15.2B
Synchrony Financial vs. similar companies
Synchrony Financial grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Synchrony Financial | 6.3× · Cheap | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 SoFi Technologies | 41.6× · Expensive | ||
 Ally Financial | 13.5× · Cheap |
AI analysis
An AI analyst reads Synchrony Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 11,674 | 13,627 | 15,056 | 14,981 | |
| – | – | – | – | |
| – | – | – | – | |
| 5,902 | 7,073 | – | – | |
| 3,016 | 2,238 | 3,499 | 3,552 | |
| 6.15 | 5.19 | 8.55 | 9.28 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.8% | 16.4% | 23.2% | 23.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 104,564 | 117,479 | 119,463 | 119,095 |
| Cash | 10,294 | 14,259 | 14,711 | 14,973 |
| Total debt | 14,191 | 15,982 | 15,462 | 15,182 |
| Total liabilities | 91,691 | 103,576 | 102,883 | 102,329 |
| 12,873 | 13,903 | 16,580 | 16,766 | |
| 483 | 424 | 401 | 374 | |
| 16.0% | 17.5% | – | – | |
| 23.4% | 16.1% | 21.1% | 21.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 6,694 | 8,593 | 9,848 | 9,851 | |
| – | – | – | – | |
| 6,694 | 8,593 | 9,848 | 9,851 | |
| Dividends paid | 476 | 448 | 470 | 510 |
| 3,320 | 1,112 | 1,008 | 2,941 | |
| – | – | – | – |
Valuation
- 6.3×
- 7.8×
- 0.43
- 1.5×
- 1.5×
- 2.3×
- –
- 43.8%
- 15.8%
- 1.7%
Profitability
- 61.1%
- 22.9%
- 23.7%
- 24.8%
- 3.1%
- 11.1%
- 21.4%
- 3.0%
- 3.7%
- –
Growth
- +8.7%
- +14.7%
- +0.0%
- +5.5%
- −10.8%
Financial health
- -0.8×
- 1.00
- 13.5%
- 1.1×
- –
- –
- 0.16
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 41%of 688
Top 48%of 540
Top 11%of 900
Top 46%of 908
Top 3%of 941
What analysts expect
- Average price target
- $90.55
- Range
- $82.00 – $100.00
- 3 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 2.27 | 2.22 | +2.3% |
| Jan 27, 2026 | 2.07 | 2.05 | +1.0% |
| Oct 15, 2025 | 2.86 | 2.26 | +26.5% |
| Jul 22, 2025 | 2.50 | 1.82 | +37.4% |
| Apr 22, 2025 | 1.89 | 1.67 | +13.2% |
| Jan 28, 2025 | 1.91 | 1.93 | −1.0% |
| Oct 16, 2024 | 1.94 | 1.79 | +8.4% |
| Jul 17, 2024 | 1.55 | 1.35 | +14.8% |
1.7%of the share price, paid each year
On $1,000 invested$17a year at today's yield, before tax
+5.5%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$0.26 in 2016 → $1.15 in 2025
How safe it looks
14.4% of its profit
Room to growStretchedMore than it earns: 5.2%
News
Credit card issuer Synchrony announces partnership with OpenAICNBC Markets · Aug 18, 2026Synchrony, credit card issuer to Amazon and Walmart, partners with OpenAI for ChatGPT shoppingCNBC Markets · Aug 17, 2026The newest story we have is from Aug 18, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
70Pass
Philip Fisher
79Pass
Peter Lynch
72Pass
Joel Greenblatt
33No pass
Charlie Munger
66Pass
Terry Smith
63Pass
Questions about Synchrony Financial
Is Synchrony Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Synchrony Financial AI analysis
What does Synchrony Financial do?
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It is in Financial - Credit Services, based in Stamford, CT, United States, with 20,000 employees.
Does Synchrony Financial pay a dividend?
Yes. At today's price the dividend is 1.7% a year, about 14% of its yearly profit. In 2025 it paid out $510 million in dividends.
Is Synchrony Financial stock halal?
No. Synchrony Financial does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Synchrony Financial stock done over the past year?
Down 2.1% over the past twelve months, to $72.25. It traded between $63.78 and $88.47 and is 18.3% below its high.
Who are Synchrony Financial's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, SoFi Technologies and Ally Financial. The peers table on this page compares their profit, growth and price with Synchrony Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.