US · USD
SYF-PA
Synchrony Financial
- Day's range
- $17.95 – $18.32
- Day's volume
- $1.7M
- 52-week range
- $17.92 – $19.79
Follow SYF-PA in the Fuolio
See how SYF-PA weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountSYF-PA in numbers
- Market cap
- $5.9B
- P/E
- 1.67
- P/B
- 0.35
- Dividend yield (12m)
- 7.78%
The 12-month dividend yield of SYF-PA is 7.78%, above its 5-year average of 7.22%.
SYF-PA price history
SYF-PA risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | -2.68% | +32.54% | -2.46% |
| Volatility (annualized) | 15.29% | 16.53% | 20.69% |
| Largest drawdown | -9.32% | -14.46% | -36.25% |
| Positive months | 5/12 | 20/36 | 28/60 |
How much did investing in SYF-PA return?
$1,000.00 invested on 11/01/2021 would be worth $975.40 today.
- Value today in SYF-PA
- $975.40
- Return over the period
- -2.46%
- Return per year
- -0.50%
- 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-PA fundamentals
Valuation
- P/E1.67
- P/B0.35
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue—
- P/EBIT—
- P/S—
- P/OCF0.61
- 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—
- Payout13.01%
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-PA's fair price?
Two classic value formulas, with today's numbers. The current price is $18.08.
- Graham's fair price
- $112.40
- 521.68% 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
- $23.44
- 29.63% above the price
$1.41 (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-PA'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 | 1.92 | 2.13 | 3.14 | 2.49 | 3.33 | 11.26 | 4.18 | — |
| P/B | 0.41 | 0.45 | 0.50 | 0.58 | 1.03 | 1.23 | 1.04 | — |
| Dividend yield | 7.18% | 7.33% | 8.15% | 8.20% | 5.22% | 5.28% | — | — |
| 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-PA'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-PA pay dividends?
Dividend yield per year
- 5.28%2020
- 5.22%2021
- 8.20%2022
- 8.15%2023
- 7.33%2024
- 7.18%2025
- 5.83%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 08/04/2026 | 08/17/2026 | $0.35 |
| Dividend | 05/04/2026 | 05/15/2026 | $0.35 |
| Dividend | 02/05/2026 | 02/17/2026 | $0.35 |
| Dividend | 11/04/2025 | 11/17/2025 | $0.35 |
| Dividend | 08/04/2025 | 08/15/2025 | $0.35 |
| Dividend | 05/02/2025 | 05/15/2025 | $0.35 |
| Dividend | 01/31/2025 | 02/18/2025 | $0.35 |
| Dividend | 11/01/2024 | 11/15/2024 | $0.35 |
| Dividend | 08/02/2024 | 08/15/2024 | $0.35 |
| Dividend | 05/02/2024 | 05/15/2024 | $0.35 |
| Dividend | 02/01/2024 | 02/15/2024 | $0.35 |
| Dividend | 10/30/2023 | 11/15/2023 | $0.35 |
See all 27 distributions
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 07/27/2023 | 08/14/2023 | $0.35 |
| Dividend | 04/28/2023 | 05/15/2023 | $0.35 |
| Dividend | 02/02/2023 | 02/16/2023 | $0.35 |
| Dividend | 10/28/2022 | 11/15/2022 | $0.35 |
| Dividend | 07/28/2022 | 08/15/2022 | $0.35 |
| Dividend | 04/28/2022 | 05/16/2022 | $0.35 |
| Dividend | 02/08/2022 | 02/15/2022 | $0.35 |
| Dividend | 10/28/2021 | 11/15/2021 | $0.35 |
| Dividend | 07/29/2021 | 08/16/2021 | $0.35 |
| Dividend | 04/29/2021 | 05/17/2021 | $0.35 |
| Dividend | 02/03/2021 | 02/16/2021 | $0.35 |
| Dividend | 10/29/2020 | 11/16/2020 | $0.35 |
| Dividend | 07/30/2020 | 08/17/2020 | $0.35 |
| Dividend | 04/30/2020 | 05/15/2020 | $0.35 |
| Dividend | 02/05/2020 | 02/18/2020 | $0.36 |
About Synchrony Financial
- Sector
- Finance, insurance and real estate
Questions about SYF-PA
How much is SYF-PA today?
SYF-PA is at $18.08 (-0.17% on the day), last traded on 10/05/2026.
How much did SYF-PA pay in dividends in 2025?
SYF-PA paid $1.41 per share in 2025, a dividend yield of 7.18%.
What are the P/E and P/B of SYF-PA?
SYF-PA trades at a P/E of 1.67 and a P/B of 0.35.
How much did SYF-PA return in 12 months?
SYF-PA returned -2.68% in 12 months, with annualized volatility of 15.29% and a largest drawdown of -9.32%.