Overview
Synchrony Financial, based in the United States, operates primarily in the financial services sector, focusing on consumer financial products. The company is a prominent provider of private label credit cards in the U.S., featuring partnerships with major retailers, manufacturers, and service providers. Besides offering retail credit cards, Synchrony Financial also provides a range of financing solutions and FDIC-insured savings products through Synchrony Bank. Its key projects often revolve around expanding digital engagement capabilities, enhancing mobile platforms, and integrating advanced analytics to better serve customers and drive shareholder value. Moreover, the company has invested in strategic initiatives that promote financial accessibility and literacy, underpinning its commitment to innovative, customer-centric solutions.
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Basic Stats
The share price of Synchrony Financial as of 9 September 2025 is 64,85 € / share. This is an increase of 0.25% from the prior week. The market cap (or net worth) of Synchrony Financial as of 9 September 2025 is 23.690,03 € MM.
The Factor Analysis chart (below right) shows a view of Synchrony Financial from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 23,690.03 MM |
| EV | |
| Shares Out. | 371.90 MM |
| Earnings Date | |
| EPS (TTM) | 8.84 |
| Dividend Yield | |
| Ex-Dividend Date | |
| Borrow Rate | 0.49 |
| Short Shares Avail. | 0.00 MM |
| Short Interest | |
| Short Float | |
| Days to Cover | |
| Risk Free Rate | 4.05 % |
| Price Change (1 yr) | 48.81 % |
| Volatility (1 yr) | 0.41 |
| Beta | 1.74 |
| Sharpe Ratio (1 yr) | 1.10 |
| Sortino Ratio (1 yr) | 1.83 |
| PE Ratio | |
| Price/Book | |
| Price/TBV | |
| Book/Market | |
| EBIT/EV | |
| EBIT(3yr avg)/EV | |
| ROA | 0.03 |
| ROE | 0.21 |
| ROIC | 0.10 |
| CROIC | 0.05 |
| OCROIC | 0.30 |
| Implied Volatility | |
| Put/Call OI Ratio |
| Growth | 47.26 /100 |
| Profitability | 84.18 /100 |
| Quality Score | 83.89 /100 |
| Value Score | |
| Momentum Score | 77.43 /100 |
| Stability (Low Vol) Score | 53.20 /100 |
| Analyst Sentiment | |
| Fund Sentiment | 78.50 /100 |
| Insider Sentiment | |
| Officer Sentiment | |
| Dividend Score | |
| QVM Score | |
| Piotroski F-SCORE | 8.00 /9 |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for Synchrony Financial is 42,99 €. The forecasts range from a low of 28,12 € to a high of 56,52 €. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for Synchrony Financial. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2016-02-11 | Nomura | Buy | Maintains | |
| 2016-01-13 | DA Davidson | Buy | Initiate | |
| 2016-01-13 | Goldman Sachs | Buy | Maintains | |
| 2015-11-30 | BMO Capital | Market Perform | Outperform | Upgrade |
| 2015-11-23 | Sterne Agee CRT | Neutral | Buy | Upgrade |
| 2015-10-20 | Nomura | Neutral | Buy | Upgrade |
| 2015-10-19 | BMO Capital | Market Perform | Maintains | |
| 2015-09-16 | BMO Capital | Outperform | Market Perform | Downgrade |
| 2015-08-26 | Buckingham Research | Buy | Initiate | |
| 2015-07-20 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2015-07-20 | JMP Securities | Market Outperform | Maintains | |
| 2015-07-20 | Barclays | Overweight | Maintains | |
| 2015-07-09 | Barclays | Equal-Weight | Overweight | Upgrade |
| 2015-06-30 | Guggenheim | Buy | Initiate | |
| 2015-05-06 | Bernstein | Outperform | Maintains | |
| 2015-05-05 | JMP Securities | Market Outperform | Initiate | |
| 2015-04-23 | Deutsche Bank | Hold | Buy | Upgrade |
| 2015-04-20 | BTIG Research | Neutral | Buy | Upgrade |
| 2015-03-25 | Bank of America | Buy | Neutral | Downgrade |
| 2015-03-11 | Deutsche Bank | Hold | Maintains | |
| 2020-04-03 | CFRA | Sell | Strong Sell | Downgrade |
| 2020-01-27 | Nomura | Neutral | Maintains | |
| 2020-01-27 | Stephens & Co. | Equal-Weight | Overweight | Upgrade |
| 2019-12-05 | Nomura | Buy | Neutral | Downgrade |
| 2019-09-11 | Nomura | Buy | Maintains | |
| 2019-04-22 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2019-02-14 | Goldman Sachs | Neutral | Buy | Upgrade |
| 2019-01-30 | Bank of America | Neutral | Buy | Upgrade |
| 2019-01-24 | Oppenheimer | Perform | Outperform | Upgrade |
| 2019-01-03 | Stephens & Co. | Underweight | Equal-Weight | Upgrade |
| 2018-11-05 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2018-11-01 | Citigroup | Neutral | Neutral | Maintains |
| 2018-10-22 | BMO Capital | Outperform | Outperform | Maintains |
| 2018-09-26 | Bank of America | Buy | Neutral | Downgrade |
| 2018-08-03 | UBS | Sell | Neutral | Upgrade |
| 2018-07-30 | BMO Capital | Outperform | Outperform | Maintains |
| 2018-07-30 | Barclays | Overweight | Equal-Weight | Downgrade |
| 2018-07-27 | JP Morgan | Overweight | Overweight | Maintains |
| 2018-04-30 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2018-04-23 | BMO Capital | Outperform | Outperform | Maintains |
| 2018-04-17 | RBC Capital | Outperform | Initiate | |
| 2018-04-05 | Citigroup | Neutral | Initiate | |
| 2018-03-28 | UBS | Sell | Initiate | |
| 2018-03-14 | Buckingham | Buy | Initiate | |
| 2018-01-09 | Wells Fargo | Market Perform | Outperform | Upgrade |
| 2017-12-18 | Bank of America | Neutral | Buy | Upgrade |
| 2017-10-23 | Barclays | Overweight | Maintains | |
| 2017-10-23 | Wells Fargo | Market Perform | Maintains | |
| 2017-10-23 | Morgan Stanley | Equal-Weight | Maintains | |
| 2017-10-23 | JMP Securities | Market Outperform | Maintains | |
| 2021-01-19 | JP Morgan | Neutral | Overweight | Upgrade |
| 2020-12-10 | Barclays | Equal-Weight | Overweight | Upgrade |
| 2020-11-30 | Morgan Stanley | Equal-Weight | Overweight | Upgrade |
| 2020-10-05 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-09-16 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-09-10 | Deutsche Bank | Buy | Initiate | |
| 2020-07-22 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-07-22 | Barclays | Equal-Weight | Maintains | |
| 2020-07-08 | Citigroup | Neutral | Maintains | |
| 2020-06-25 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-06-22 | UBS | Neutral | Maintains | |
| 2020-06-17 | JMP Securities | Market Outperform | Maintains | |
| 2020-04-22 | JMP Securities | Market Outperform | Maintains | |
| 2020-04-22 | BMO Capital | Outperform | Maintains | |
| 2020-04-22 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-04-14 | Nomura | Neutral | Maintains | |
| 2020-04-08 | Wells Fargo | Overweight | Maintains | |
| 2017-10-06 | Bank of America | Buy | Neutral | Downgrade |
| 2017-09-08 | Morgan Stanley | Overweight | Equal-Weight | Downgrade |
| 2017-07-25 | Morgan Stanley | Overweight | Maintains | |
| 2017-05-03 | Guggenheim | Buy | Neutral | Downgrade |
| 2017-05-01 | Goldman Sachs | Buy | Neutral | Downgrade |
| 2017-03-29 | Wells Fargo | Outperform | Initiate | |
| 2016-12-15 | Bank of America | Neutral | Buy | Upgrade |
| 2016-12-07 | Wedbush | Outperform | Neutral | Downgrade |
| 2016-11-22 | JMP Securities | Market Outperform | Maintains | |
| 2016-10-11 | Wedbush | Outperform | Initiate | |
| 2016-06-15 | Jefferies | Buy | Maintains | |
| 2016-06-15 | Citigroup | Buy | Maintains | |
| 2016-05-11 | Macquarie | Neutral | Initiate | |
| 2016-05-04 | Deutsche Bank | Buy | Maintains | |
| 2016-04-08 | Bank of America | Buy | Neutral | Downgrade |
| 2016-02-18 | Deutsche Bank | Hold | Maintains | |
| 2015-01-26 | Keefe Bruyette & Woods | Outperform | Maintains | |
| 2015-01-26 | JP Morgan | Overweight | Maintains | |
| 2015-01-26 | Barclays | Equal-Weight | Maintains | |
| 2015-01-07 | Evercore ISI Group | Buy | Initiate | |
| 2014-12-22 | BTIG Research | Buy | Neutral | Downgrade |
| 2014-12-18 | Jefferies | Buy | Initiate | |
| 2014-12-17 | Citigroup | Buy | Maintains | |
| 2014-12-09 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2014-10-20 | Nomura | Neutral | Maintains | |
| 2014-09-12 | UBS | Neutral | Initiate | |
| 2014-09-09 | Nomura | Neutral | Initiate | |
| 2014-09-09 | Morgan Stanley | Overweight | Initiate | |
| 2014-09-09 | Citigroup | Buy | Initiate | |
| 2014-09-09 | Deutsche Bank | Hold | Initiate | |
| 2014-09-09 | Goldman Sachs | Buy | Initiate | |
| 2014-09-09 | JP Morgan | Overweight | Initiate | |
| 2014-09-09 | Keefe Bruyette & Woods | Outperform | Initiate | |
| 2014-09-09 | Barclays | Equal-Weight | Initiate | |
| 2014-07-31 | BTIG Research | Buy | Initiate | |
| 2013-10-28 | Deutsche Bank | Hold | Maintains |
