SYF
Synchrony Financial
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
79.47
▲ 2.76 (3.60%)
MARKET · —
Price
Open
76.71
Prev close
76.71
Day high
79.64
Day low
77.51
Volume
4.00M
Market cap
$25.86B
P/E (TTM)
8.15
52W range
63.08 – 88.77
Trailing performance
Returnvs SPY
1W
-1.89%
-0.5%
1M
+10.73%
+7.0%
3M
+10.38%
+7.3%
6M
+8.31%
-2.8%
YTD
-4.75%
-17.0%
1Y
+11.02%
-9.0%
3Y
+141.77%
+67.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$25.86B
Enterprise value$27.81B
Revenue (TTM)$9.91B
Gross profit$9.91B
EBITDA—
Net income$3.44B
EPS (TTM)$9.75
Free cash flow—
Total cash$16.19B
Total debt$16.43B
Book value / share$46.71
Shares outstanding325.37M
Float323.12M
Short % of float7.75%
Dividend yield1.71%
Beta (5Y)1.31
Valuation & profitability ratios
Trailing P/E8.15
Forward P/E7.56
PEG ratio1.13
Price / sales—
Price / book1.70
EV / revenue2.81
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 |
|---|---|---|---|---|
| Total revenue | $14.98B | $16.13B | $13.63B | $11.67B |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $3.47B | $3.43B | $2.20B | $2.97B |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $3.47B | $3.43B | $2.20B | $2.97B |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 | 2.35 | 16 | $3.82B | +0.0% |
| Next quarter | 2.17 | 20 | $3.93B | +3.6% |
| Current year | 9.37 | 19 | $15.18B | +1.4% |
| Next year | 10.47 | 23 | $15.98B | +5.3% |
Analyst targets & ownership
Mean target$89.09
High target$104.00
Low target$78.00
Implied upside12.10%
Analyst count23
ConsensusBUY
Strong buy / Buy3 / 12
Hold9
Sell / Strong sell0 / 0
Held by insiders0.35%
Held by institutions109.30%
Institutions holding1.43K
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-54.62K
Net selling
Buy transactions
46
370.22K shares
Sell transactions
16
424.84K shares
Net transactions
+62
Buys less sells
Sell : buy shares
1.1 : 1
Mixed
Insider-held shares
1.13M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 13, 26 | CASELLAS ALBERTO B Officer |
CONVERSION | 5.46K | $182.94K | Direct |
| Aug 13, 26 | CASELLAS ALBERTO B Officer |
SELL | 5.46K | $436.48K | 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 | COLAO DANIEL O Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | CHYTIL KAMILA K Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | RICHIE LAUREL J Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | ELLINGER DEBORAH G. Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | GUTHRIE ROY A Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | NAYLOR JEFFREY G Director |
STOCK | 1.20K | $91.26K | Direct |
| Jun 30, 26 | ZANE ELLEN M Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | COVIELLO ARTHUR W JR Director |
STOCK | 789 | $60.00K | Direct |
| Jun 30, 26 | AGUIRRE FERNANDO 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 | Conversion of Exercise of derivative security |
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 |
Moving averages & technicals
SMA 10
79.43
+0.05% from price
SMA 20
78.40
+1.36% from price
SMA 50
76.03
+4.52% from price
SMA 100
74.40
+6.82% from price
SMA 200
74.83
+6.20% from price
EMA 12
78.92
+0.69% from price
EMA 26
77.72
+2.26% from price
EMA 50
76.31
+4.14% from price
RSI (14)
56.0
Neutral
MACD (12,26,9)
1.21
Hist -0.13
ATR (14)
1.78
2.24% of price
Realised vol 30D
26.8%
Annualised
Bollinger upper
81.85
20, 2σ
Bollinger lower
74.96
20, 2σ
50 / 200 cross
Golden
76.03 vs 74.83
Trend bias
Above 200
+6.20%
Risk profile
Beta vs SPY
1.23
More volatile than market
Correlation to SPY
0.50
Loosely linked
Realised vol 30D
26.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-27.9%
Peak to trough
Max drawdown 5Y
-48.9%
Peak to trough
ATR 14
1.78
2.24% of price
Beta (reported)
1.31
5Y monthly, from filing
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.
Options analytics
Put / call volume
0.54
Call-heavy session
Put / call open interest
1.12
Positioning, not flow
Max pain
75.00
-5.6% from spot
ATM implied vol
30.7%
Nearest strike to spot
Skew (10% OTM)
+6.1%
Puts bid over calls
Call volume
306
Contracts, this expiry
Put volume
164
Contracts, this expiry
Heaviest call OI
82.50
1.74K contracts
Heaviest put OI
67.50
2.14K 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.
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.
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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.