Synchrony's fundamental outlook hinges on whether easing credit costs can offset stalling core revenue, as NII growth decelerated from 6.9% in 2024Q2 to 1.9% in 2026Q3 while provisions declined roughly 24% from $1.7B to $1.3B per quarter.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income growth has slowed to 1.9% with NIM stable at 3.9% in 2026Q3, while negative non-interest income of -$991M and flat total revenue near $4.8B suggest earnings improvement is driven primarily by the 24% provision decline rather than top-line expansion.
Intrinsic value estimates place SYF at $122.23, a 44% premium over its current price of $68.85. The stock trades at a P/E of 7.8x, below industry averages, and a PEG under 1, indicating strong value upside.
Consensus ratings skew heavily toward 'Buy' or 'Strong Buy', with few sell recommendations. Analysts project earnings growth for the coming year, reinforcing confidence.
The Walmart partnership is the fastest-growing program launch in SYF’s history, and CareCredit is now accepted on Walmart.com. Partnerships with Lowe’s and Amazon’s buy‑now‑pay‑later segment are expected to fuel loan growth.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 20, 2026 | $2.68+10.7% vs $2.42 | $3.8B+0.3% vs $3.8B |
Q3 2026 Jul 21, 2026 | $2.59+21.0% vs $2.14 | $3.7B-0.2% vs $3.7B |
Q2 2026 Apr 21, 2026 | $2.27+3.2% vs $2.20 | $3.7B-2.4% vs $3.8B |
Q1 2026 Jan 27, 2026 | $2.07+1.0% vs $2.05 | $3.8B-1.2% vs $3.8B |
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Key Highlights: Pet insurance and financing clarity at checkout: The Clarus Technology Portal gives vet teams real-time visibility into a client's pet insurance coverage and available financing options at the point of care, helping veterinarians discuss payment confidently and quickly. More payment paths for higher treatment acceptance: By pairing the CareCredit credit card with insurance insights in one workflow, the partnership helps reduce payment friction, support clearer estimates, and aims to increase the likelihood clients proceed with recommended care.
Synchrony Financial maintains a Buy rating, supported by strong capital returns and sector-beating or in-line valuation multiples. SYF has executed aggressive share buybacks, reducing outstanding shares by over 20% in two years and returning significant capital to shareholders. Despite modest net income growth, EPS continues to rise due to buybacks, with a forward GAAP P/E of 7.83 versus the sector median of 11.56.
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Benchmark SYF against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Synchrony Financial (SYF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $73.74 | $23.99B | 7.13 | -7.09% | 22.18% | 19.99% | 1.62% | |
| $201.87 | $123.84B | 11.32 | 36.62% | 17.3% | 9.67% | 1.39% | |
| $101.83 | $4.11B | 7.47 | 0.18% | 13.39% | 15.94% | 0.9% | |
| $38.17 | $11.61B | 7.90 | -35.42% | 15.03% | 9.67% | 3.16% | |
| $652.70 | $576.71B | 33.72 | 16.53% | 47.8% | 252.94% | 0.47% | |
| $422.65 | $789.11B | 33.84 | 14.55% | 52.51% | 64.52% | 0.63% |
Synchrony Financial (SYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Synchrony Financial (SYF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 20, 2026·SEC
Oct 20, 2026·SEC
Aug 17, 2026·SEC
Feb 6, 2026·SEC
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Synchrony Financial (SYF) stock FAQ — growth, dividends, profitability & financials explained
Synchrony Financial (SYF) grew revenue by 0.3% over the trailing twelve months, compared with the twelve months before.
Yes. Synchrony Financial (SYF) earned $3.33B in net income over the trailing twelve months (a 22.2% net margin).
Yes. Synchrony Financial (SYF) pays a dividend that yields 1.62% at the current price, a moderate yield.
Synchrony Financial (SYF) had a return on equity (ROE) of 20.0% over the trailing twelve months. That is above the market's typical 10-15%.
Synchrony Financial (SYF) has a net interest margin (NIM) of 15.5%. This indicates healthy earnings from lending activities.
Synchrony Financial (SYF) has an efficiency ratio of 34.3%. This is excellent, indicating strong cost control.
