Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Walmart Partnership | Explore Synchrony's renewed collaboration with Walmart, potentially becoming a top 5 program with superior unit economics and enhanced customer acquisition dynamics |
Credit Quality Trends | Delve into Synchrony's improving delinquency rates and net charge-offs, beating seasonal expectations and signaling potential for stronger financial performance |
Digital Innovation | Learn about Synchrony's digital card product through Walmart's OnePay platform and its in-house Buy Now/Pay Later solution, present at 20% of surveyed partners |
Analyst Projections | Discover analysts' optimistic outlook, with price targets ranging from $62 to $79 and EPS estimates reaching up to $9.06 for fiscal year 2026 |
Metrics to compare | SYF | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipSYFPeersSector | |
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P/E Ratio | 8.0x | 10.1x | 9.5x | |
PEG Ratio | 0.52 | −0.09 | 0.03 | |
Price/Book | 1.6x | 0.9x | 1.0x | |
Price / LTM Sales | 2.8x | 2.2x | 2.8x | |
Upside (Analyst Target) | 15.5% | 25.7% | 13.3% | |
Fair Value Upside | Unlock | 10.5% | 1.7% | Unlock |