Synchrony Financial (SYF) Stock: Price, Forecast & Analyst Target
Synchrony Financial (SYF) — MoonshotScore 78/100 (Strong band), calculated Oct 27, 2026. Price $74.83 (+1.62%), as of the Oct 26, 2026 trading session; market cap $24.4B. Expected results Jan 26, 2027.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 1.53× (market value Oct 26, 2026; cash Sep 30, 2026) · expected results Jan 26, 2027
Synchrony Financial · SYF · NYSE · Financial Services · Financial - Credit Services
Research dated 2026-09-12: Synchrony Financial is a merchant-linked consumer lender and deposit-funded bank whose cards and installment loans are distributed through retailers, manufacturers, healthcare providers and other partners. The case depends on whether improving profit and cash generation can persist while reported revenue remains below its earlier peak and liquid resources have retreated from recent highs.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · Synchrony Financial (SYF)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and durable growth, at a dirt-cheap price, but a fragile balance sheet. Business Quality: Elite; Financial Safety: Fragile; Valuation: Cheap; Growth Durability: Growing; Momentum: Slipping.
- EPS beat 6 of 8
- Altman Z 0.87 · Piotroski F 5
- ROE 20.9% · ROA 2.9% · current ratio 3.72 · earnings yield 14.4% · free-cash-flow yield 40.4%
Holding back: balance-sheet strain
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 87 | Exceptional | |
| 86 | Exceptional | |
| 86 | Exceptional | |
| 81 | Exceptional | |
| 80 | Exceptional | |
| 78 | Strong |
The score was 78 in the stored Oct 26, 2026 snapshot and remains 78 in the current publication computed Oct 27, 2026 (0); the largest pillar moves were Financial Safety -1 and Momentum +1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $74.83 | |
| Change on the day | +1.62% | |
| 52-week range | $63.08–$88.77 | |
| Market capitalisation | $24.4B | |
| Price / earnings (trailing) | 7.73 | |
| Shares traded on the day | 3.06M | |
| Beta (volatility vs the S&P 500) | 1.34 | |
| Dividends per share (last 12 months) | $1.24 | |
| Dividend yield (last 12 months) | 1.66% |
Why Synchrony Financial scores 78
Valuation carries the score; Financial Safety is what holds it back.
What the price assumes
-24.4% a year of free-cash-flow growth for ten years is what a $24.16B market value asks for.
- Free cash flow, last 5 years: 5.6% a year
- Revenue, last 5 years: 8.3% a year
- Analysts' revenue path, 2026–2029: 3.7% a year
The price asks for less growth than the business has been producing. The question it leaves open is how long that pace lasts, not whether it exists.
Reverse discounted cash flow: 10% discount rate, 3% growth after year ten, starting from trailing twelve months free cash flow of $9.69B. Inputs: FMP statements, estimates and quote.
How the stock reacts to earnings
EPS beat in 9 of 12 reports; the stock still fell the next session after 4 of those beats. Average first-session move: 3.1% either way.
| Report | EPS | Revenue | Next session | 5 sessions |
|---|---|---|---|---|
| Beat | In line | -0.8% | +5.1% | |
| Beat | Miss | +0.1% | -3.0% | |
| In line | Miss | -5.3% | -4.7% | |
| Beat | Beat | -3.6% | +0.2% | |
| Beat | Beat | +3.8% | +2.7% | |
| Beat | Beat | +5.6% | +11.0% | |
| Miss | In line | -1.5% | -5.6% | |
| Beat | Beat | +6.4% | +3.2% | |
| Beat | Beat | -1.7% | -3.5% | |
| Miss | Beat | +4.2% | +2.6% | |
| Beat | Miss | +0.5% | +5.1% | |
| Beat | Beat | -3.2% | -2.0% |
The market has been forgiving after misses, which says investors are looking past the quarter to the longer story.
Our track record on this stock
Since the score went from 97 to 78 while the share price moved -7.2%.
| Date | Band | 3 months | 6 months | Call |
|---|---|---|---|---|
| Exceptional → Strong | — | — | — |
The score has stayed in the Strong band across the stretch we have recorded; we grade each band change three months after it happens.
The crowd against our signals
- Analysts: 61% of 41 rate it a buy; the average target sits +17.9% from today's price.
- Last 90 days: 11 rating actions, every one a reaffirmation.
- Our signals: Strong band; strongest pillar Valuation (95), weakest Financial Safety (12).
Here we and the crowd agree. Where we differ is on price: our Financial Safety reading is more cautious than the analysts' targets.
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Chronological order, not a duration scale. The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for Synchrony Financial (SYF): Bullish Lean
74/100 · ACouncil is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 19, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation
Read on: Oct 27, 2026
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
The Munger lens reads the current price as undervalued against its own estimate of value.
Readings on this page are from Oct 27, 2026, except a card that shows its own read date.
Watch the SYF film — every key number, told as a short cinematic story
~2 min · open the film
What is Synchrony Financial (SYF), and what does it report?
Short answer · as of
Synchrony supplies private-label, co-branded and general-purpose cards, commercial credit and installment loans, while CareCredit, Pets Best and Walgreens extend its reach into health and wellness financing.
Research dated 2026-09-12.
Synchrony supplies private-label, co-branded and general-purpose cards, commercial credit and installment loans, while CareCredit, Pets Best and Walgreens extend its reach into health and wellness financing. It also gathers savings, money-market and certificate deposits, making funding part of the operating model rather than a separate sideline.
The reported revenue, gross profit, operating result and net result therefore reflect a lending and payments business tied to partner-originated purchase activity, credit economics and deposit funding. Operating cash flow adds another view of that engine and has remained positive throughout the reported quarterly series.
What do the latest results show for Synchrony Financial (SYF)?
Research dated 2026-09-12.
The latest quarter brought a modest revenue increase from the prior period, accompanied by stronger gross profit, operating income, net income and diluted earnings per share. Selling and administrative expense also rose, but the improvement higher in the income statement was sufficient to produce broader profit growth.
That quarterly recovery sits against a softer annual revenue picture: the latest full-year revenue declined from the prior year even as net income edged higher. Recent earnings releases have generally cleared earnings expectations, including the latest release, while revenue comparisons have been less consistently favorable; the supported observation is stronger earnings conversion, not a stated explanation for it.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $4.80B Sep 30, 2026
- Latest quarter · SG&A
- $644.00M Sep 30, 2026
- Latest quarter · FMP standardized operating result
- $1.18B Sep 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Sep 30, 2026 | $4.80B | Not available | $644.00M | $1.18B |
| Jun 30, 2026 | $4.69B | Not available | $653.00M | $1.19B |
| Mar 31, 2026 | $4.67B | Not available | $629.00M | $1.05B |
| Dec 31, 2025 | $4.77B | Not available | $723.00M | $952.00M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $3.82B Oct 20, 2026
- Latest report · revenue estimate
- $3.81B Oct 20, 2026
- Latest report · revenue vs estimate
- Above estimate Oct 20, 2026
- Latest report · EPS vs estimate
- Above estimate Oct 20, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Oct 20, 2026 | $3.82B | $3.81B | $2.6800 | $2.4200 |
| Jul 21, 2026 | $3.72B | $3.72B | $2.5900 | $2.1400 |
| Apr 21, 2026 | $3.70B | $3.79B | $2.2700 | $2.2000 |
| Jan 27, 2026 | $3.79B | $3.84B | $2.0700 | $2.0500 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Sep 2026 | $4.80B | $892M | $2.68 (diluted) |
| Q2 FY2026 | $4.69B | $885M | $2.59 (diluted) |
| Q1 FY2026 | $4.67B | $805M | $2.27 (diluted) |
| Q4 FY2025 | $4.77B | $751M | $2.04 (diluted) |
What are the financial strengths and risks for Synchrony Financial (SYF)?
Short answer
Cash and short-term investments were $15.90B at the Sep 30, 2026 balance-sheet date. Operating cash flow was $2.50B for the quarter ended Sep 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
Operating cash flow has stayed substantial and positive, while trailing profitability measures show healthy net and operating margins and strong returns on equity. Cash and short-term investments sit near stated debt, although that liquid balance has fallen from the immediately preceding quarter and from earlier peaks.
The much larger cash-and-investment total is dominated by long-term investments whose classification is unspecified, so it should not be treated as interchangeable with near-term liquidity. Total liabilities are also large, as expected for a deposit-funded lender, and the distress and quality screens point in different directions; lending performance, funding stability and asset liquidity matter more than either screen in isolation.
A pullback in partner-originated spending or deterioration in borrower performance would strike the credit engine directly. The latest dividend moved higher, while recent insider activity showed sales without purchases and was dominated by awards and other transaction types, offering limited directional evidence.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $2.50B Sep 30, 2026
- Previous quarter · operating cash flow
- $2.42B Jun 30, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Sep 30, 2026 | $2.50B | Not available |
| Jun 30, 2026 | $2.42B | Not available |
| Mar 31, 2026 | $2.18B | Not available |
| Dec 31, 2025 | $2.45B | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Synchrony Financial (SYF)?
Short answer · as of
The next earnings report is expected on Jan 26, 2027.
Research dated 2026-09-12.
The upcoming earnings release needs to be read across revenue, earnings and cash generation together. The useful checks are whether the recent rise in gross profit and operating income continues, whether revenue moves toward the current estimate, and whether cash and short-term investments stabilize after their latest decline.
Longer-range analyst estimates assume revenue and earnings expansion, though estimate coverage thins farther out. Confirmation would come from sustained growth without weaker cash generation or a sharper liquidity retreat; a reversal in operating profit despite stable revenue would challenge the recent earnings-conversion pattern.
How does Synchrony Financial compare with its peers?
Short answer
Synchrony Financial's score ranks 4th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Synchrony differs from a general-purpose card issuer built mainly around its own card brand: much of its distribution is embedded in partner relationships spanning retail, healthcare, auto, home, jewelry and pet-related spending. Private-label and co-branded programs place Synchrony closer to the purchase decision, while CareCredit and related brands add specialized financing channels.
That positioning couples merchant access with a deposit-funded balance sheet. The partnership network can diversify origination channels, but it also makes earnings sensitive to partner activity, consumer credit performance and funding economics in a way that a payments processor or fee-led financial platform is not.
| Company | Price | Market value | Score |
|---|---|---|---|
| $56.36 Oct 26, 2026 | $6.48B | 94 5-pillar Oct 27, 2026 | |
| $2.76 Oct 26, 2026 | $31.1B | 93 5-pillar Oct 27, 2026 | |
| $54.99 Oct 26, 2026 | $47.0B | 79 5-pillar Oct 27, 2026 | |
| Synchrony Financial (SYF) — this page | $74.83 | $24.4B | 78 |
| $79.40 Oct 26, 2026 | $32.5B | 73 5-pillar Oct 27, 2026 | |
| $53.10 Oct 26, 2026 | $48.2B | 65 5-pillar Oct 27, 2026 | |
| $175.27 Oct 26, 2026 | $7.60B | 64 5-pillar Oct 27, 2026 | |
| $36.59 Oct 26, 2026 | $40.7B | 58 5-pillar Oct 27, 2026 | |
| $38.81 Oct 26, 2026 | $11.8B | 49 5-pillar Oct 27, 2026 | |
| $17.30 Oct 26, 2026 | $13.5B | 46 5-pillar Oct 27, 2026 | |
| $8.48 Oct 26, 2026 | $7.35B | 41 5-pillar Oct 27, 2026 | |
| $14.11 Oct 26, 2026 | $84.7B | 41 5-pillar Oct 27, 2026 | |
| $183.49 Oct 26, 2026 | $289B | 39 5-pillar Oct 27, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $78.00 – $104.00
- Consensus target
- $88.79
- Median target
- $89.00
Consensus record · Captured .
Measured against a quoted price of $74.83 (as of Oct 26, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 30, 2026
- Transactions
- 84
- Identified insiders
- 21
- Purchases
- 0
- Sales
- 8
- Other transactions
- 76
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Reporting holders
- 1,042 Period end Jun 30, 2026
- Previous quarter · holders
- 1,008 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 30,893,517 |
| Vanguard Capital Management LLC | 22,013,925 |
| Capital World Investors | 18,918,854 |
| Vanguard Portfolio Management LLC | 18,090,018 |
| State Street Corp | 17,733,198 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Synchrony Financial (SYF)?
SYF Financial Services Stock FAQ
Research dated 2026-09-12; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does CareCredit fit into Synchrony Financial’s lending model?
CareCredit extends Synchrony’s partner-distributed credit model into healthcare payments and financing. Healthcare providers become an origination channel alongside retailers, manufacturers and other merchants.
Why does Synchrony Financial gather deposits when it is known for store cards?
Savings, money-market and certificate deposits help fund the same institution that issues private-label, co-branded and general-purpose credit. Deposit gathering is therefore integral to the lending model, and liquidity trends deserve attention alongside card earnings.
Are Synchrony Financial’s partner-card profits improving despite softer annual revenue?
The latest full year paired lower revenue with slightly higher net income, and the latest quarter showed sequential gains across gross profit, operating income and net income. Recent earnings comparisons have also been stronger than the corresponding revenue comparisons.
What risk comes with Synchrony Financial’s private-label and co-branded programs?
Those programs originate credit through merchants and other partners, linking lending volume to activity within those relationships. Weak partner-originated spending or poorer borrower performance would pressure the same engine that produces interest and credit-related earnings.
What is the SYF stock price today?
The last price recorded on this page for Synchrony Financial (SYF) is $74.83, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the SYF price target?
The analyst consensus price target for Synchrony Financial (SYF) is $88.79 (range $78.00 to $104.00, median $89.00), per FMP data captured Oct 27, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does SYF pay a dividend?
Yes. Synchrony Financial (SYF) shows a trailing 12-month dividend yield of 1.66%, as of Oct 26, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (72 figures)
The 72 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Stamford, CT | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "777 Long Ridge Road, Stamford, CT, 06902, US". |
FMP — 61 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Jan 26, 2027 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $74.83 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-27T07:44:36.481Z. | |
px.change | Change on the day | +1.62% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $24.4B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-26. FMP quote timestamp: 2026-10-26T20:00:03.000Z. Captured from FMP at 2026-10-27T07:44:35.307Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.19 | FMP | Financial Modeling Prep (FMP) · quote | |
px.range52 | 52-week range | $63.08–$88.77 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 7.73 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 3.06M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.34 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Brian D. Doubles | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 20,000 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $11.22B, net result $4.22B; FY2022 revenue $13.20B, net result $3.02B; FY2023 revenue $17.34B, net result $2.24B; FY2024 revenue $20.76B, net result $3.50B; FY2025 revenue $19.12B, net result $3.55B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 51.7% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-09-30.revenue_k | Revenue — period end 2026-09-30 | $4.80B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.sga_k | SG&A — period end 2026-09-30 | $644.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.operating_result_k | FMP standardized operating result — period end 2026-09-30 | $1.18B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $4.69B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $653.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $1.19B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $4.67B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $629.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $1.05B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $4.77B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $723.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $952.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-10-20.revenue_actual | Revenue · reported — report date 2026-10-20 | $3.82B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-20.revenue_estimated | Revenue · estimate — report date 2026-10-20 | $3.81B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-20.eps_actual | EPS · reported — report date 2026-10-20 | $2.6800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-20.eps_estimated | EPS · estimate — report date 2026-10-20 | $2.4200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.revenue_actual | Revenue · reported — report date 2026-07-21 | $3.72B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.revenue_estimated | Revenue · estimate — report date 2026-07-21 | $3.72B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_actual | EPS · reported — report date 2026-07-21 | $2.5900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_estimated | EPS · estimate — report date 2026-07-21 | $2.1400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_actual | Revenue · reported — report date 2026-04-21 | $3.70B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_estimated | Revenue · estimate — report date 2026-04-21 | $3.79B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_actual | EPS · reported — report date 2026-04-21 | $2.2700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_estimated | EPS · estimate — report date 2026-04-21 | $2.2000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_actual | Revenue · reported — report date 2026-01-27 | $3.79B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_estimated | Revenue · estimate — report date 2026-01-27 | $3.84B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_actual | EPS · reported — report date 2026-01-27 | $2.0700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_estimated | EPS · estimate — report date 2026-01-27 | $2.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.cash_investments | Cash and short-term investments | $15.90B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $2.50B | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-09-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $97.36B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $17.02B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.44× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-09-30.operating_cash_flow_m | Operating cash flow — period end 2026-09-30 | $2.50B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $2.42B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $2.18B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $2.45B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $78.00 – $104.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 27, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $88.79 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 27, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $89.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 27, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 84 transactions · 0 purchases, 8 sales, 76 other transactions · 21 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 30, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.holders | Reporting holders | 1,042 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,008 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 30,893,517 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 22,013,925 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Capital World Investors — shares in provider snapshot | 18,918,854 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 18,090,018 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | State Street Corp — shares in provider snapshot | 17,733,198 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 6 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-25 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.87 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · Expired observation | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 20.9% · ROA 2.9% · current ratio 3.72 · earnings yield 14.4% · free-cash-flow yield 40.4% | — | UNRECORDED | Stored key metrics — Date unknown |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 1.53× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $15.90B at Sep 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-26. Balance-sheet reference date: 2026-09-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.24 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-27, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.66% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-10-20.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($3.82B) with the recorded estimate ($3.81B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-10-20.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($2.6800) with the recorded estimate ($2.4200) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 78 of 100 · Strong · pillars 91 / 12 / 95 / 76 / 37 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 78 (stored snapshot Oct 26, 2026) → 78 (current publication computed Oct 27, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-09-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-09-30.revenue_k,fin.q_table.depth.2026-09-30.sga_k,fin.q_table.depth.2026-09-30.operating_result_k,fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k. - Earnings-history note. Source series as of 2026-10-20. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-10-20.revenue_actual,earn.history.depth.2026-10-20.revenue_estimated,earn.history.depth.2026-10-20.revenue_actual.comparison,earn.history.depth.2026-10-20.eps_actual.comparison,earn.history.depth.2026-10-20.eps_actual,earn.history.depth.2026-10-20.eps_estimated,earn.history.depth.2026-07-21.revenue_actual,earn.history.depth.2026-07-21.revenue_estimated,earn.history.depth.2026-07-21.eps_actual,earn.history.depth.2026-07-21.eps_estimated,earn.history.depth.2026-04-21.revenue_actual,earn.history.depth.2026-04-21.revenue_estimated,earn.history.depth.2026-04-21.eps_actual,earn.history.depth.2026-04-21.eps_estimated,earn.history.depth.2026-01-27.revenue_actual,earn.history.depth.2026-01-27.revenue_estimated,earn.history.depth.2026-01-27.eps_actual,earn.history.depth.2026-01-27.eps_estimated. - Cash-flow note. Source series as of 2026-09-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-09-30.operating_cash_flow_m,fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | Synchrony Financial | 2026-02-06 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-06 |
| Business description | Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6199 — Finance Services. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-21 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $16.43B; Liquidity basis: cash and short-term investments; Total liabilities: $105.03B; Cash and short-term investments: $16.19B; Cash and investments: $115.28B; Long-term investments: $99.09B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $115.28B; Cash and short-term investments: $16.19B; Long-term investments: $99.09B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Trailing twelve-month ratio set | Quick ratio: 3.72; Current ratio: 3.72; Debt to equity: 0.97; Net margin: 18.6%; Gross margin: 52.3%; Operating margin: 24.3%; Return on assets: 2.9%; Return on equity: 20.9% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 0.84; Piotroski F-score: 8 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-05 | FMP | Financial Modeling Prep (FMP) dividend history |
| Insider transactions, last 180 days | Net shares: -18,202.438; Window days: 180; Price low: $33.53; Clustered days: 2026-05-15; 2026-06-30; 2026-07-31; 2026-08-03; 2026-08-17; Price high: $80.75; Buy transactions: 0; Distinct insiders: 21; Sell transactions: 5; Other transactions: 55; Total transactions: 60; Other transaction types: A-Award: 46, L-Small: 1, F-InKind: 4, M-Exempt: 4; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-08-17 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
| Next earnings report | Date: 2026-10-21; EPS estimate: $2.38 per share; Revenue estimate: $3.82B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Most recent periodic reports | 2026-07-23 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.