Synchrony Financial (SYF)
Financials · Consumer finance / point-of-sale lending
Digital-first credit card and installment financing provider serving diverse retail, healthcare, and automotive partners across North America.
What Synchrony Financial does
Synchrony Financial provides a range of credit products, including private label credit cards, co-branded credit cards, and installment loans, through partnerships with national and regional retailers, merchants, manufacturers, healthcare providers, and industry associations. The company operates through Synchrony Bank, a subsidiary, and offers credit services designed to drive consumer spending and loyalty at partner locations. Synchrony also provides promotional financing, including interest-free and deferred-interest programs, and utilizes proprietary tools like Quickscreen for customer evaluation.
Themes: ["retail financing","healthcare credit","credit cards","consumer lending","installment loans","partner-driven lending","point-of-sale financing"]
Fundamentals
- Price$71.57 as of 2026-07-09 close
- Market cap$23.0B as of 2026-07-10
- 1-year return+2.0% as of 2026-07-09 close
- P/E6.38 as of 2026-07-10
- Net margin+14.1% as of 2026-07-10
- ROE+21.4% as of 2026-07-10
- Debt / equity1.00 as of 2026-07-10
- Revenue growth (YoY)+20.5% as of 2026-07-10
- Beta1.33 as of 2026-07-10
Dividend: yield +1.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Macroeconomic sensitivity: exposure to inflation, interest rates, economic downturns, and recession impacts on consumer confidence and spending","Partner concentration: significant revenue concentration in a small number of retail and healthcare partners, creating dependency risk","Cybersecurity and data breach risk: exposure to cyber-attacks and security incidents affecting customer data and operations"]
Competitors & peers
- Capital One Financial (COF)
- Discover Financial Services (DFS)
- American Express (AXP)
- Ally Financial (ALLY)
- LendingClub
- Affirm Holdings (AFRM)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.