How to buy Synchrony Financial (SYF) stocks

Synchrony Financial is a credit services business based in the US. Synchrony Financial shares (SYF) are listed on the NYSE and all prices are listed in US Dollars.

Its last market close was $65.45 – a decrease of 3.83% over the previous week. Synchrony Financial employs 20,000 staff and has a trailing 12-month revenue of around $9 billion.

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Synchrony Financial stock price (NYSE: SYF)

Use our graph to track the performance of SYF stocks over time.

Synchrony Financial stocks at a glance

• Key figures

Information last updated 2024-12-19.

Latest market close	$65.45
52-week range	$34.52 - $69.39
50-day moving average more info button	$61.56
200-day moving average more info button	$49.60
Wall St. target price	$69.01
PE ratio more info button	8.2584
Dividend yield more info button	$1 (1.57%)
Earnings per share (TTM) more info button	$7.70

Is it a good time to buy Synchrony Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

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Synchrony Financial price performance over time

Historical closes compared with the close of $64.27 from 2024-12-19

1 week (2024-12-13)	-5.57%
1 month (2024-11-21)	-1.34%
3 months (2024-09-20)	27.07%
6 months (2024-06-21)	44.52%

1 year (2023-12-21)	68.91%
2 years (2022-12-21)	103.46%
3 years (2021-12-21)	50.39%
5 years (2019-12-20)	99.77%

Is Synchrony Financial stock undervalued or overvalued?

Valuing Synchrony Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Synchrony Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Synchrony Financial's P/E ratio

Synchrony Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 8x. In other words, Synchrony Financial shares trade at around 8x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the stock or simply that they're under-valued.

Synchrony Financial's PEG ratio

Synchrony Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.6958. A low ratio can be interpreted as meaning the stocks offer better value, while a higher ratio can be interpreted as meaning the stocks offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Synchrony Financial's future profitability. By accounting for growth, it could also help you if you're comparing the stock prices of multiple high-growth companies.

Synchrony Financial financials

Revenue TTM	$9 billion
Operating margin TTM	46.37%
Gross profit TTM	$8.3 billion
Return on assets TTM	2.73%
Return on equity TTM	21.28%
Profit margin	35.14%
Book value	$37.92
Market Capitalization more info button	$24.8 billion

TTM: trailing 12 months

Synchrony Financial stock dividends

Dividend payout ratio: 13.05% of net profits

Recently Synchrony Financial has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Synchrony Financial shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Synchrony Financial's case, that would currently equate to about $1 per share.

While Synchrony Financial's payout ratio might seem low, this can signify that Synchrony Financial is investing more in its future growth.

Synchrony Financial's most recent dividend payout was on 14 November 2024. The latest dividend was paid out to all shareholders who bought their stocks by 3 November 2024 (the "ex-dividend date").

Synchrony Financial stock price volatility

Over the last 12 months, Synchrony Financial's stocks have ranged in value from as little as $34.5171 up to $69.3856. A popular way to gauge a stock's volatility is its "beta."

Beta is a measure of a stocks volatility in relation to the market. The market (NYSE average) beta is 1, while Synchrony Financial's is 1.593. This would suggest that Synchrony Financial's stocks are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Synchrony Financial overview

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. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

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Frequently asked questions

What percentage of Synchrony Financial is owned by insiders or institutions?
Currently 0.531% of Synchrony Financial stocks are held by insiders and 101.606% by institutions. How many people work for Synchrony Financial?
Latest data suggests 20,000 work at Synchrony Financial. When does the fiscal year end for Synchrony Financial?
Synchrony Financial's fiscal year ends in December. Where is Synchrony Financial based?
Synchrony Financial's address is: 777 Long Ridge Road, Stamford, CT, United States, 06902 What is Synchrony Financial's ISIN number?
Synchrony Financial's international securities identification number is: US87165B1035 What is Synchrony Financial's CUSIP number?
Synchrony Financial's Committee on Uniform Securities Identification Procedures number is: 87165B103

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