SYF
Synchrony Financial
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-9/100
Last price
72.16
▲ 0.28 (0.39%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
72.55
Prev close
71.88
Day high
72.85
Day low
71.75
Volume
1.76M
Market cap
$23.48B
P/E (TTM)
7.36
52W range
63.08 – 88.77
Day trading desk
Gap from prior close
+0.93%
Prior close 71.88
VWAP
72.13
+0.04% from price
Relative volume
1.20×
Normal
Session range
1.53%
71.75 – 72.85
Position in range
37%
Mid range
ATR (14D)
1.73
2.40% of price
Prior day high
72.34
PDH
Prior day low
71.14
PDL
Bid / ask spread
—
Quote not published
Session volume
4.09M
Avg 3.42M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.61%
-1.3%
1M
-9.71%
-10.9%
3M
+5.71%
+1.2%
6M
+4.81%
-13.4%
YTD
-13.51%
-27.8%
1Y
+1.31%
-15.1%
3Y
+136.05%
+53.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SYF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-48.55K
Net selling
Buy transactions
19
31.73K shares
Sell transactions
8
80.28K shares
Net transactions
+27
Buys less sells
Sell : buy shares
2.5 : 1
Mixed
Insider-held shares
1.14M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 17, 26 | COVIELLO ARTHUR W JR Director |
BUY | 11 | $887 | Direct |
| Aug 13, 26 | CASELLAS ALBERTO B Officer |
SELL | 5.46K | $436.48K | Direct |
| Aug 13, 26 | CASELLAS ALBERTO B Officer |
CONVERSION | 5.46K | $182.94K | Direct |
| Aug 3, 26 | COVIELLO ARTHUR W JR Director |
SELL | 4.00K | $308.68K | Direct |
| Aug 3, 26 | OWENS DARRELL Officer |
SELL | 610 | $46.80K | Direct |
| Aug 3, 26 | GENTLEMAN COURTNEY Officer |
SELL | 721 | $55.32K | Direct |
| Jun 30, 26 | ZANE ELLEN M Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | NAYLOR JEFFREY G Director |
STOCK | 1.20K | $91.26K | Direct |
| Jun 30, 26 | ALVES PAGET LEONARD Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | AGUIRRE FERNANDO Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | PARKER PAUL W Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | COVIELLO ARTHUR W JR Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | GUTHRIE ROY A Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | ELLINGER DEBORAH G. Director |
STOCK | 789 | $60.00K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ALVES PAGET LEONARD |
Director | 52.38K | Stock Award(Grant) |
CASELLAS ALBERTO B |
Officer | 50.51K | Sale |
DOUBLES BRIAN D |
Chief Executive Officer | 829.22K | Sale |
GUTHRIE ROY A |
Director | 74.81K | Stock Award(Grant) |
HOWSE CURTIS |
Officer | 86.44K | Sale |
JUEL CAROL D |
Chief Technology Officer | 51.45K | Sale |
MOTHNER JONATHAN S |
Officer | 132.66K | Sale |
NAYLOR JEFFREY G |
Director | 65.42K | Stock Award(Grant) |
RICHIE LAUREL J |
Director | 51.69K | Stock Award(Grant) |
WENZEL BRIAN J SR. |
Chief Financial Officer | 64.22K | Sale |
Fundamentals
Market cap$23.48B
Enterprise value$25.43B
Revenue (TTM)$9.91B
Gross profit$9.91B
EBITDA—
Net income$3.44B
EPS (TTM)$9.81
Free cash flow—
Total cash$16.19B
Total debt$16.43B
Book value / share$46.71
Shares outstanding325.37M
Float323.11M
Short % of float7.69%
Dividend yield1.88%
Beta (5Y)1.34
Valuation & profitability ratios
Trailing P/E7.36
Forward P/E6.89
PEG ratio0.88
Price / sales—
Price / book1.54
EV / revenue2.57
EV / EBITDA—
Gross margin0.00%
Operating margin50.22%
Profit margin35.51%
Return on equity20.79%
Return on assets2.90%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $14.98B | $15.06B | $13.63B | $11.67B | -0.5% |
| Operating revenue | $14.98B | $15.06B | $13.63B | $11.67B | -0.5% |
| Selling, general & admin | $2.60B | $2.40B | $2.41B | $2.17B | +8.7% |
| Pre-tax income | $4.62B | $4.55B | $2.90B | $3.96B | +1.5% |
| Tax provision | $1.07B | $1.05B | $666.00M | $946.00M | +1.4% |
| Net income | $3.55B | $3.50B | $2.24B | $3.02B | +1.5% |
| Net income to common | $3.47B | $3.43B | $2.20B | $2.97B | +1.2% |
| Basic EPS | 9.38 | 8.64 | 5.21 | 6.19 | +8.6% |
| Diluted EPS | 9.28 | 8.55 | 5.19 | 6.15 | +8.5% |
| Basic shares | 369.90M | 396.50M | 421.20M | 480.40M | -6.7% |
| Diluted shares | 373.90M | 400.60M | 423.50M | 483.40M | -6.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $14.97B | $14.71B | $14.26B | $10.29B | +1.8% |
| Goodwill & intangibles | $2.62B | $2.13B | $1.83B | $1.85B | +23.0% |
| Total assets | $119.09B | $119.46B | $117.48B | $104.56B | -0.3% |
| Long-term debt | $15.18B | $15.46B | $15.98B | $14.19B | -1.8% |
| Total debt | $15.18B | $15.46B | $15.98B | $14.19B | -1.8% |
| Total liabilities | $102.33B | $102.88B | $103.58B | $91.69B | -0.5% |
| Retained earnings | $24.60B | $21.64B | $18.66B | $16.72B | +13.7% |
| Shareholder equity | $16.77B | $16.58B | $13.90B | $12.87B | +1.1% |
| Net tangible assets | $14.15B | $14.45B | $12.07B | $11.03B | -2.1% |
| Shares issued | 834.40M | 833.98M | 833.98M | 833.98M | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $3.55B | $3.50B | $2.24B | $3.02B | +1.5% |
| Depreciation & amortisation | $514.00M | $481.00M | $458.00M | $419.00M | +6.9% |
| Change in working capital | -$161.00M | -$205.00M | -$345.00M | -$269.00M | +21.5% |
| Operating cash flow | $9.85B | $9.85B | $8.59B | $6.69B | +0.0% |
| Investing cash flow | -$4.85B | -$8.90B | -$14.23B | -$10.23B | +45.5% |
| Share buybacks | -$2.94B | -$1.01B | -$1.11B | -$3.32B | -191.8% |
| Dividends paid | -$510.00M | -$470.00M | -$448.00M | -$476.00M | -8.5% |
| Financing cash flow | -$4.74B | -$611.00M | $9.63B | $5.28B | -675.0% |
| Free cash flow | $9.85B | $9.85B | $8.59B | $6.69B | +0.0% |
| End cash position | $15.02B | $14.76B | $14.42B | $10.43B | +1.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $3.72B | $3.70B | $3.79B | $3.82B | $3.65B | +0.5% |
| Operating revenue | $3.72B | $3.70B | $3.79B | $3.82B | $3.65B | +0.5% |
| Selling, general & admin | $653.00M | $629.00M | $723.00M | $623.00M | $636.00M | +3.8% |
| Pre-tax income | $1.19B | $1.05B | $952.00M | $1.43B | $1.26B | +13.3% |
| Tax provision | $301.00M | $242.00M | $201.00M | $352.00M | $289.00M | +24.4% |
| Net income | $885.00M | $805.00M | $751.00M | $1.08B | $967.00M | +9.9% |
| Net income to common | $864.00M | $784.00M | $730.00M | $1.06B | $946.00M | +10.2% |
| Basic EPS | 2.61 | 2.29 | 2.07 | 2.89 | 2.51 | +14.0% |
| Diluted EPS | 2.59 | 2.27 | 2.04 | 2.86 | 2.50 | +14.1% |
| Basic shares | 331.30M | 342.40M | 352.70M | 365.90M | 376.20M | -3.2% |
| Diluted shares | 334.10M | 346.00M | 357.60M | 369.90M | 379.10M | -3.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $16.19B | $20.56B | $14.97B | $16.25B | $19.46B | -21.2% |
| Property, plant & equipment | $1.22B | — | — | — | — | — |
| Goodwill & intangibles | $1.51B | $2.59B | $2.62B | $2.18B | $2.14B | -41.4% |
| Total assets | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | +0.4% |
| Long-term debt | $16.43B | $16.43B | $15.18B | $14.43B | $16.01B | +0.0% |
| Total debt | $16.43B | $16.43B | $15.18B | $14.43B | $16.01B | +0.0% |
| Total liabilities | $105.03B | $105.02B | $102.33B | $99.92B | $103.55B | +0.0% |
| Retained earnings | $25.97B | $25.21B | $24.60B | $23.98B | $23.04B | +3.0% |
| Shareholder equity | $16.90B | $16.48B | $16.77B | $17.07B | $16.95B | +2.5% |
| Net tangible assets | $15.38B | $13.89B | $14.15B | $14.88B | $14.82B | +10.7% |
| Shares issued | 325.00M | 833.98M | 834.40M | 833.98M | 833.98M | -61.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $885.00M | $805.00M | $751.00M | $1.08B | $967.00M | +9.9% |
| Depreciation & amortisation | $145.00M | $143.00M | $139.00M | $128.00M | $122.00M | +1.4% |
| Change in working capital | $11.00M | -$334.00M | -$70.00M | $68.00M | $196.00M | +103.3% |
| Operating cash flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | +10.9% |
| Investing cash flow | -$5.19B | $1.52B | -$4.64B | -$1.57B | -$2.24B | -440.4% |
| Share buybacks | -$878.00M | -$900.00M | -$962.00M | -$870.00M | -$504.00M | +2.4% |
| Dividends paid | -$121.00M | -$125.00M | -$127.00M | -$130.00M | -$135.00M | +3.2% |
| Financing cash flow | -$596.00M | $1.88B | $918.00M | -$4.96B | -$2.82B | -131.7% |
| Free cash flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | +10.9% |
| End cash position | $17.24B | $20.60B | $15.02B | $16.29B | $20.18B | -16.3% |
Options analytics
Put / call volume
0.02
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
50.00
-30.7% from spot
ATM implied vol
0.8%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
3.88K
Contracts, this expiry
Put volume
59
Contracts, this expiry
Heaviest call OI
50.00
0 contracts
Heaviest put OI
60.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 2.13 | 2.59 | +21.9% |
| Mar 2026 | 2.16 | 2.27 | +5.1% |
| Dec 2025 | 2.02 | 2.18 | +7.8% |
| Sep 2025 | 2.21 | 2.86 | +29.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.40 | 16 | $3.81B | -0.4% |
| Next quarter | 2.14 | 19 | $3.90B | +2.9% |
| Current year | 9.43 | 19 | $15.15B | +1.1% |
| Next year | 10.45 | 22 | $15.97B | +5.4% |
Analyst targets & ownership
Mean target$88.52
High target$104.00
Low target$78.00
Implied upside22.67%
Analyst count23
ConsensusBUY
Strong buy / Buy4 / 12
Hold7
Sell / Strong sell0 / 0
Held by insiders0.35%
Held by institutions109.16%
Institutions holding1.42K
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
71.67
+0.69% from price
SMA 20
73.47
-1.78% from price
SMA 50
76.62
-5.83% from price
SMA 100
74.90
-3.66% from price
SMA 200
74.55
-3.21% from price
EMA 12
72.47
-0.42% from price
EMA 26
73.97
-2.45% from price
EMA 50
74.96
-3.73% from price
RSI (14)
41.1
Neutral
MACD (12,26,9)
-1.51
Hist -0.03
ATR (14)
1.73
2.40% of price
Realised vol 30D
22.4%
Annualised
Bollinger upper
77.52
20, 2σ
Bollinger lower
69.42
20, 2σ
50 / 200 cross
Golden
76.62 vs 74.55
Trend bias
Below 200
-3.21%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.23
More volatile than market
Correlation to SPY
0.50
Loosely linked
Realised vol 30D
22.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-27.9%
Peak to trough
Max drawdown 5Y
-48.9%
Peak to trough
ATR 14
1.73
2.40% of price
Beta (reported)
1.34
5Y monthly, from filing
Short interest
Shares short
18.82M
Prior 17.94M
Change vs prior
+4.9%
Shorts adding
% of float
7.69%
Normal
% of shares out
5.78%
Against total outstanding
Days to cover
5.8
Crowded exit
Float
323.11M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Oct 5, 26 | UBS | MAINTAINED | Neutral | Neutral |
| Oct 1, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Aug 25, 26 | Wolfe Research | MAINTAINED | Outperform | Outperform |
| Aug 3, 26 | UBS | MAINTAINED | Neutral | Neutral |
| Jul 28, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Jul 22, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Jul 22, 26 | RBC Capital | MAINTAINED | Sector Perform | Sector Perform |
| Jul 22, 26 | Baird | MAINTAINED | Outperform | Outperform |
| Jul 13, 26 | HSBC | MAINTAINED | Buy | Buy |
| Jul 13, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 7, 26 | TD Cowen | MAINTAINED | Buy | Buy |
Dividends & splits
Forward rate$1.36 / yr
Forward yield1.88%
5-year avg yield2.03%
Payout ratio12.28%
Ex-dividend dateAug 5, 2026
Next pay dateAug 17, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-14
Corporate Changes & Voting Matters
8-K · 2026-08-17
Corporate Changes & Voting Matters
8-K · 2026-07-31
Periodic Financial Reports
10-Q · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-06-29
Corporate Changes & Voting Matters
8-K · 2026-06-25
Corporate Changes & Voting Matters
8-K · 2026-06-09
Headlines
TD Cowen Adjusts Price Target on Synchrony Financial to $86 From $90, Maintains Buy Rating
MT Newswires · 16h ago
Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
24/7 Wall St. · 1d ago
UBS Adjusts Price Target on Synchrony Financial to $81 From $87, Keeps Neutral Rating
MT Newswires · 2d ago
Goldman Sachs Adjusts Synchrony Financial Price Target to $82 From $87, Maintains Buy Rating
MT Newswires · 2d ago
2 Mid-Cap Stocks with Competitive Advantages and 1 We Turn Down
StockStory · 2d ago
Evercore ISI Cuts Synchrony Financial Price Target to $80 From $86, Maintains Outperform Rating
MT Newswires · 5d ago
Synchrony Deepens CareCredit's Veterinary Reach With Vetspire Tie-Up
Zacks · 5d ago
Synchrony Financial (SYF) Could Be 20% Below Fair Value Following Vetspire Partnership
Simply Wall St. · 6d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.