Synchrony Financial
"Sector" = median of Financial Services across 106 companies
About Synchrony Financial
AI-generatedSynchrony Financial (SYF) is a premier consumer financial services company headquartered in Stamford, Connecticut. It offers a range of credit products, including private label credit cards, dual cards, and installment loans, primarily through partnerships with retailers and healthcare providers. Founded in 2003 and spun off from GE in 2014, Synchrony has grown to become one of the largest private label credit card issuers in the United States.
Synchrony generates revenue primarily from interest and fees on its credit card receivables, as well as from interchange fees and other services. The company partners with over 1 million businesses across various sectors, including retail, healthcare, and home improvement. Its business model relies on providing point-of-sale financing options that drive consumer spending and loyalty for its partners, while earning net interest income from the resulting loan balances.
The company operates in the highly competitive credit services industry within the financial services sector. Synchrony differentiates itself through its deep integration with partner brands and its focus on underserved segments, such as subprime and near-prime consumers. It competes with other large issuers like Capital One and Citigroup, as well as fintech lenders. Synchrony's scale, data analytics capabilities, and long-standing relationships provide a competitive moat.
Synchrony's primary customers are U.S. consumers who use its credit products for everyday purchases, from electronics and apparel to dental and veterinary care. The company's partners range from national retailers like Amazon and Walmart to local healthcare providers. Geographically, Synchrony operates exclusively in the United States, with a strong presence in the retail and healthcare credit markets. Its target audience includes consumers seeking flexible financing options, particularly those with limited credit history or lower credit scores.
An auto-generated descriptive profile based on company data, for informational purposes only.
Synchrony Financial's stock declined 0.89% to 73.62 USD amid mixed news. Recent headlines highlight leadership changes to accelerate digital and AI growth, and improving credit numbers despite inflation. The upcoming Q2 earnings report is anticipated to benefit from higher purchase volumes. Overall, the stock movement reflects cautious investor sentiment.
- •Stock fell 0.89% to 73.62 USD
- •Executive leadership changes announced to accelerate digital and AI growth
- •Credit numbers improving despite inflation pressures
- •Upcoming Q2 earnings expected to benefit from higher purchase volumes
Financial highlights
Latest saved period: March 2026 · 2026-03-31
Dividend history
Cash dividends by ex-date, not an investment recommendation.
| Ex-date | Amount | Payment date | Period |
|---|---|---|---|
| May 5, 2026 | $0.30 | May 15, 2026 | Quarterly |
| Feb 6, 2026 | $0.30 | Feb 17, 2026 | Quarterly |
| Nov 5, 2025 | $0.30 | Nov 17, 2025 | Quarterly |
| Aug 5, 2025 | $0.30 | Aug 15, 2025 | Quarterly |
| May 5, 2025 | $0.30 | May 15, 2025 | Quarterly |
| Feb 3, 2025 | $0.25 | Feb 18, 2025 | Quarterly |
| Nov 4, 2024 | $0.25 | Nov 15, 2024 | Quarterly |
| Aug 5, 2024 | $0.25 | Aug 15, 2024 | Quarterly |
| May 3, 2024 | $0.25 | May 15, 2024 | Quarterly |
| Feb 2, 2024 | $0.25 | Feb 15, 2024 | Quarterly |
| Oct 31, 2023 | $0.25 | Nov 9, 2023 | Quarterly |
| Jul 28, 2023 | $0.25 | Aug 10, 2023 | Quarterly |
| May 1, 2023 | $0.23 | May 12, 2023 | Quarterly |
| Feb 3, 2023 | $0.23 | Feb 17, 2023 | Quarterly |
| Oct 31, 2022 | $0.23 | Nov 10, 2022 | Quarterly |
| Jul 29, 2022 | $0.23 | Aug 11, 2022 | Quarterly |
| Apr 29, 2022 | $0.22 | May 12, 2022 | Quarterly |
| Feb 9, 2022 | $0.22 | Feb 17, 2022 | Quarterly |
| Oct 29, 2021 | $0.22 | Nov 12, 2021 | Quarterly |
| Jul 30, 2021 | $0.22 | Aug 12, 2021 | Quarterly |
| Apr 30, 2021 | $0.22 | May 13, 2021 | Quarterly |
| Feb 4, 2021 | $0.22 | Feb 16, 2021 | Quarterly |
| Oct 30, 2020 | $0.22 | Nov 12, 2020 | Quarterly |
| Jul 31, 2020 | $0.22 | Aug 13, 2020 | Quarterly |
Revenue
↑ 17.3%Net Income
↑ 1577.1%Free Cash Flow
↓ 8.3%Diluted EPS
↑ 20.1%Synchrony Financial (SYF) analysis
Wrqti brings Synchrony Financial data into one page covering available price, financial statements, valuation ratios, margins, cash-flow metrics, news, and alerts. This page helps you understand the numbers and is not a buy or sell recommendation.
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