US · USD
SYF
Synchrony Financial
- Day's range
- $71.14 – $72.34
- Day's volume
- $151.3M
- 52-week range
- $63.25 – $87.38
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See how SYF weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountSYF in numbers
- Market cap
- $23.4B
- P/E
- 6.65
- P/B
- 1.38
- Dividend yield (12m)
- 1.73%
The 12-month dividend yield of SYF is 1.73%, below its 5-year average of 2.01%.
SYF price history
SYF risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | -5.92% | +134.03% | +78.51% |
| Volatility (annualized) | 24.27% | 28.58% | 35.56% |
| Largest drawdown | -18.14% | -24.41% | -39.81% |
| Positive months | 6/12 | 23/36 | 36/60 |
How much did investing in SYF return?
$1,000.00 invested on 11/01/2021 would be worth $1,785.12 today.
- Value today in SYF
- $1,785.12
- Return over the period
- +78.51%
- Return per year
- +12.49%
- In the S&P 500
- $1,702.20
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
SYF fundamentals
Valuation
- P/E6.65
- P/B1.38
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue—
- P/EBIT—
- P/S—
- P/OCF2.41
- P/FCF—
- Earnings yield—
- PEG ratio—
- Earnings per share$10.81
- Book value per share$51.93
Debt
- Net debt$239M
- Net debt/EBITDA—
- Net debt/Equity0.01
- Debt/Equity0.97
- Current ratio—
- Quick ratio—
- Cash ratio—
Profitability
- ROE20.82%
- ROA2.89%
- ROIC—
- Payout11.47%
Growth
- Revenue CAGR (5 years)—
- Earnings CAGR (5 years)1.18%
- Revenue growth (year)—
- Earnings growth (year)—
- Revenue growth (quarter)—
- Earnings growth (quarter)—
What is SYF's fair price?
Two classic value formulas, with today's numbers. The current price is $71.88.
- Graham's fair price
- $112.40
- 56.37% above the price
√(22.50 × $10.81 × $51.93)
Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.
- Bazin's ceiling price
- $16.30
- 77.32% below the price
$0.98 (5-year average) ÷ 6%
Décio Bazin only bought stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.
Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.
SYF's indicators by year
Multiples at each year's closing price; margins and returns from that year's statements.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| P/E | 8.16 | 7.22 | 6.94 | 4.76 | 5.73 | 14.63 | 5.90 | 5.97 |
| P/B | 1.73 | 1.52 | 1.12 | 1.12 | 1.77 | 1.60 | 1.46 | 1.13 |
| Dividend yield | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% |
| Earnings per share | $10.22 | $9.00 | $5.50 | $6.90 | $8.10 | $2.37 | $6.11 | $3.93 |
| Book value per share | $48.23 | $42.65 | $34.17 | $29.46 | $26.20 | $21.75 | $24.59 | $20.68 |
| ROE | 21.19% | 21.10% | 16.10% | 23.43% | 30.91% | 10.90% | 24.83% | 19.01% |
SYF's financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Financial result | — | — | — | — | — | — |
| Income before tax | $4.6B | $4.6B | $2.9B | $4B | $5.5B | $1.8B |
| Income tax | -$1.1B | -$1.1B | -$666M | -$946M | -$1.3B | -$412M |
| Net income | $3.6B | $3.5B | $2.2B | $3B | $4.2B | $1.4B |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
Does SYF pay dividends?
Dividend yield per year
- 1.45%2017
- 3.07%2018
- 2.39%2019
- 2.54%2020
- 1.90%2021
- 2.74%2022
- 2.51%2023
- 1.54%2024
- 1.38%2025
- 1.31%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 08/04/2026 | 08/17/2026 | $0.34 |
| Dividend | 05/04/2026 | 05/15/2026 | $0.30 |
| Dividend | 02/05/2026 | 02/17/2026 | $0.30 |
| Dividend | 11/04/2025 | 11/17/2025 | $0.30 |
| Dividend | 08/04/2025 | 08/15/2025 | $0.30 |
| Dividend | 05/02/2025 | 05/15/2025 | $0.30 |
| Dividend | 01/31/2025 | 02/18/2025 | $0.25 |
| Dividend | 11/01/2024 | 11/15/2024 | $0.25 |
| Dividend | 08/02/2024 | 08/15/2024 | $0.25 |
| Dividend | 05/02/2024 | 05/15/2024 | $0.25 |
| Dividend | 02/01/2024 | 02/15/2024 | $0.25 |
| Dividend | 10/30/2023 | 11/09/2023 | $0.25 |
See all 40 distributions
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 07/27/2023 | 08/10/2023 | $0.25 |
| Dividend | 04/28/2023 | 05/12/2023 | $0.23 |
| Dividend | 02/02/2023 | 02/17/2023 | $0.23 |
| Dividend | 10/28/2022 | 11/10/2022 | $0.23 |
| Dividend | 07/28/2022 | 08/11/2022 | $0.23 |
| Dividend | 04/28/2022 | 05/12/2022 | $0.22 |
| Dividend | 02/08/2022 | 02/17/2022 | $0.22 |
| Dividend | 10/28/2021 | 11/12/2021 | $0.22 |
| Dividend | 07/29/2021 | 08/12/2021 | $0.22 |
| Dividend | 04/29/2021 | 05/13/2021 | $0.22 |
| Dividend | 02/03/2021 | 02/16/2021 | $0.22 |
| Dividend | 10/29/2020 | 11/12/2020 | $0.22 |
| Dividend | 07/30/2020 | 08/13/2020 | $0.22 |
| Dividend | 04/30/2020 | 05/14/2020 | $0.22 |
| Dividend | 02/05/2020 | 02/13/2020 | $0.22 |
| Dividend | 10/31/2019 | 11/14/2019 | $0.22 |
| Dividend | 08/01/2019 | 08/15/2019 | $0.22 |
| Dividend | 05/02/2019 | 05/16/2019 | $0.21 |
| Dividend | 01/31/2019 | 02/14/2019 | $0.21 |
| Dividend | 11/01/2018 | 11/15/2018 | $0.21 |
| Dividend | 08/02/2018 | 08/16/2018 | $0.21 |
| Dividend | 05/03/2018 | 05/17/2018 | $0.15 |
| Dividend | 02/01/2018 | 02/15/2018 | $0.15 |
| Dividend | 11/02/2017 | 11/16/2017 | $0.15 |
| Dividend | 08/02/2017 | 08/17/2017 | $0.15 |
| Dividend | 05/03/2017 | 05/18/2017 | $0.13 |
| Dividend | 02/01/2017 | 02/16/2017 | $0.13 |
| Dividend | 11/02/2016 | 11/17/2016 | $0.13 |
About Synchrony Financial
- Sector
- Finance, insurance and real estate
Questions about SYF
How much is SYF today?
SYF is at $71.88 (0.15% on the day), last traded on 10/05/2026.
How much did SYF pay in dividends in 2025?
SYF paid $1.15 per share in 2025, a dividend yield of 1.38%.
What are the P/E and P/B of SYF?
SYF trades at a P/E of 6.65 and a P/B of 1.38.
How much did SYF return in 12 months?
SYF returned -5.92% in 12 months, with annualized volatility of 24.27% and a largest drawdown of -18.14%.