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Synchrony Financial

SYF

Synchrony Financial is a leading consumer financial services company that provides digitally-enabled financing solutions through a diverse ecosystem of partners.

Market cap
$22.96B-14.0%
Net income$3.6B+21.5%
EPS (diluted)$9.69+33.1%
Trailing twelve months · change vs. prior year

Earnings

Next report

Jul 21, 2026 (In 1 week)
Revenue estimate$3.7B
EPS estimate$2.13

Financials

Q1 2026

Income statement

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Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-4.9%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

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Operating cash flow$2.2B-0.8%

Valuation & ratios

Valuation

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Market cap$22.96B-14.0%
Enterprise value$18.83B-19.0%
P/E6.4×-1.7×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity0.0×

Competitors

Profile

Synchrony Financial is a leading consumer financial services company that provides digitally-enabled financing solutions through a diverse ecosystem of partners. The company specializes in private label, dual, and co-branded credit cards, as well as installment loans and FDIC-insured banking products. Its core value proposition centers on integrating credit products at the point-of-sale to drive customer loyalty and sales for retail, healthcare, and service providers.

Competitive position

A leading provider of private label credit cards in the U.S. with a significant presence in digital and healthcare financing.

GeographiesUnited States
Customer segmentsRetail Consumers, Small to Mid-sized Commercial Customers, Healthcare Patients
Business modelB2B2C, Interest-bearing Lending, Transaction Processing, Direct-to-Consumer Banking
SuppliersCredit Bureaus, Payment Networks (Visa, Mastercard), Technology Infrastructure Providers, Retail Depositors
CustomersRetail Consumers, Small Business Owners, Healthcare Patients, Commercial Fleet Operators
Listed2014
Employees20.0K
CEOBrian D. Doubles
FilingsSEC EDGAR

Questions, answered.

What is Synchrony Financial's market cap?
Synchrony Financial (SYF) has a market capitalization of $23.0B and trades on NYSE.
Who are Synchrony Financial's competitors?
Synchrony Financial's key competitors include Affirm, Ally Financial, American Express, and others. These companies compete in similar markets and product categories.
Who does Synchrony Financial partner with?
Synchrony Financial's notable partners include Amazon, PayPal, Lowe's, and others.
What subsidiaries does Synchrony Financial have?
Synchrony Financial's subsidiaries include Synchrony Bank.
Where is Synchrony Financial headquartered?
Synchrony Financial is headquartered in United States of America and employs approximately 20,000 people. It has been publicly traded since 2014.