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Financials · NYSE NYSE · SYF

Synchrony Financial

$73.41 -$0.21 -0.29% CLOSE 07.20.26 AFTER HOURS $74.00
Convergence score
4.0 / 5.0 STRONG BULLISH
+0.0 vs last report
Overall valuation
Undervalued
Aggregated across multiple horizons
Consensus target (12mo)
$88.99 +21.2%
Range $72.00 — $103.00
Sector
Financials
NYSE · Tracked daily
Today's snapshot

Where the signals stand.

REPORT 07.20.26
UV Convergence Score
REPORT 07.20.26
4.0
/ 5.0
STRONG BULLISH
Consensus signal A
4.0
Consensus signal B
4.0
Consensus signal D
4.0
Rating trend signal
4.2
Analyst average
4.2
Multi-signal aggregate How CSR works →
Day Range
$73.04 – $74.38
52W Range
$63.08 – $88.77
Volume
4.5M
Avg Vol
3.8M
Mkt Cap
$24.69B
P/E
7.62
EPS (TTM)
$9.63
Div Yield
1.63%
Beta
1.31
Today's convergence

Convergence score sits at 4.0 with overall valuation reading as undervalued. Drivers across the horizons inform the aggregate. Open the deep dives for valuation, analyst, or financial detail.

Valuation
Undervalued
CSR direction
STRONG BULLISH
Last close
$73.41
Sector
Financials
Valuation
Three horizons
UPDATED 07.20.26
Short term
0–3 MO
No target Moderate Buy
Medium term
3–12 MO
$87+18.9% Buy
Long term
12–36 MO
$105.14+43.2% Undervalued
Open valuation →
Analysts
Coverage & consensus
4 PANELS
Mean target (12mo)
$88.99 +21.2%
RANGE $72.00 — $103.00
Analyst consensus
Consensus rating Buy
Blended score 4.1 / 5
Analysts tracked 90
Open analysts →
Financials
Key metrics
LATEST
P/E
7.62
EPS (TTM)
$9.63
Mkt Cap
$24.69B
Div Yield
1.63%
Beta
1.31
52W Range
$63.08 – $88.77
Open financials →
Reports
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Valuation breakdown

Three horizons, one consensus.

UPDATED 07.20.26
Short term
0–3 MO
Moderate Buy
Consensus target
No target available

Current analyst consensus rating from Barchart.

Medium term
3–12 MO
Buy
Consensus target
$87 +18.9%
RANGE $72 – $98
$72NOW $73.41$98

12-month analyst consensus target across covering brokerages.

Long term
12–36 MO
Undervalued
Consensus target
$105.14 +43.2%

UVStocks in-house sector-relative valuation model.

Signal breakdown

What’s driving the score.

EACH SIGNAL RATED 1.0 — 5.0
Top-level breakdown
Valuation: PE Ratio: 7.62PEG Ratio: -DE Ratio: -
Free Cash Flow: -PB Ratio: -PS Ratio: -Dividend: $0.30
Analyst coverage

Blended analyst consensus & targets.

4 PANELS · UPDATED 07.20.26
Analyst consensus RATING · SCORE · PANELS · ANALYSTS
Rating Blended score Panels Analysts
Buy 4.1 4 90
Price targets LOW · MEAN · MEDIAN · HIGH · UPSIDE
Coverage Low Mean Median High Upside
All panels $72.00 $88.99 $90.00 $103.00 +21.2%
Rating distribution STRONG BUY · BUY · HOLD · SELL · STRONG SELL
Coverage SB B H S SS
All panels 4 24 16 0 0
Rating trend CURRENT VS 1M / 2M / 3M
Period Rating Avg Analysts
Current Moderate Buy 4.17 23
1 Mo Ago Moderate Buy 4.17 23
2 Mo Ago Moderate Buy 4.17 23
3 Mo Ago Moderate Buy 4.26 23
Most recent analyst action LATEST DESK ACTION
Date
7/17/2026
Firm
Weiss Ratings
Action
Reiterated Rating
Rating
Buy (B-)
Target
—
Related links
Financials

Full financial snapshot.

UPDATED 07.20.26
Quote snapshot 15 FIELDS
Prev Close
$73.62
Open
$73.80
Day Low
$73.04
Day High
$74.38
Bid
$72.41
Ask
$73.49
52W Low
$63.08
52W High
$88.77
50D Avg
$73.08
200D Avg
$74.20
Volume
4.5M
Avg Vol
3.8M
10D Avg Vol
3.8M
52W Change
6.02%
S&P 52W Change
18.27%
Valuation ratios 10 FIELDS
P/E (TTM)
7.62
P/E (Fwd)
6.97
PEG (Fwd)
0.95
P/S
2.50
P/B
1.62
Book Value
$45.27
EV/Revenue
2.21
EV/EBITDA
—
Mkt Cap
24.69B
Enterprise Val
21.83B
Profitability & returns 6 FIELDS
Profit Margin
36.39%
Gross Margin
0.00%
Operating Margin
48.03%
EBITDA Margin
0.00%
Return on Assets
2.96%
Return on Equity
21.78%
Growth 3 FIELDS
Revenue Growth (YoY)
6.10%
Earnings Growth (YoY)
20.10%
Earnings Growth (Q)
6.30%
Balance sheet & cash flow 11 FIELDS
Total Revenue
9.89B
EBITDA
—
Total Cash
20.56B
Total Debt
16.43B
Cash / Share
$61.02
Revenue / Share
$27.54
Free Cash Flow
—
Operating CF
9.83B
Debt / Equity
—
Current Ratio
—
Quick Ratio
—
Dividend 5 FIELDS
Fwd Dividend
1.2 (1.63%)
Dividend Yield
1.63%
Payout Ratio
12.42%
5Y Avg Yield
2.17%
Ex-Div Date
2026-05-05
Share statistics 7 FIELDS
Shares Out
336.37M
Float
334.84M
Shares Short
18.15M
% Short of Float
7.10%
Short Ratio
5.15
% Held Insiders
0.34%
% Held Institutions
107.84%
Calendar & events 5 FIELDS
Next Earnings
2026-07-21
Fiscal Year End
2025-12-31
Most Recent Qtr
2026-03-31
Last Split
—
Split Date
—
Company 2 FIELDS
Industry
Credit Services
Employees
20,000