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NYSE · SYFFinancialsBanking & Credit

SYNCHRONY FINANCIAL (SYF)

$75.03−0.20%
Close Nov 4, 2026 · split-adjusted
Nov 4, 2026$75.03▲ 2.36% in range
Nov 4, 2025Low $63.78 · High $88.47Nov 4, 2026
What changed · written from our data
As of Nov 4, 2026

SYNCHRONY FINANCIAL closed at $75.03 on Nov 4, down 0.20%, 15.2% below its 52-week closing high. Volume of 9.2M shares was 2.52× its 20-day average (well above normal).

Split-adjusted performance: +4.0% over one month, -0.2% over six months, +1.4% over one year.

In the quarter ended Sep 30, 2026, revenue was $5.89B, up 0.6% from a year earlier, with a net margin of 14.7%.

Short interest was 16.4M shares at the Oct 15 settlement, down 5.8% from the prior report (5.1% of float, 5.5 days to cover).

Market cap$24.41B325.4M shares
Revenue · quarter$5.89B+0.6% YoY
Diluted EPS$2.68−6.3% YoY
P/E · TTM7.5×P/S 1.1×
Net margin14.7%Gross 83.4%
Dividend yield1.81%$0.34 last paid
52-week range63.78 – 88.47−15.2% from high
Volume9.2M2.52× 20-day avg
Volatility · 60d25.1%Annualised
Short % of float5.1%5.5 days to cover
Net cash$3.23BCash $20.26B
Next earnings—Not scheduled
Split-adjusted performance
1W −0.4%1M +4.0%3M −4.6%6M −0.2%YTD −10.1%1Y +1.4%3Y +164.8%5Y +60.7%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum31
Revenue growth27
Net margin37
Value (low P/E)92
Size94

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short16.4M−5.8% vs prior
Days to cover5.5Settled Oct 15
% of float5.1%
Short vol. 10d64.7%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
SYFSYNCHRONY FINANCIAL$75.03−0.20%−0.2%+0.6%14.7%7.5$24.41B
RFRegions Financial$29.03+1.50%+2.9%−2.1%23.1%11.5$24.73BCompare
AFRMAffirm Holdings$75.59+5.03%+15.3%+26.4%417.2%13.2$25.51BCompare
FCNCAFirst Citizens BancShares$2,331.85+0.42%+17.1%+0.1%17.6%11.4$25.91BCompare
KEYKeyCorp$21.55+1.51%−3.1%−1.1%17.1%12.1$22.80BCompare
SOFISoFi Technologies$17.38+3.64%+6.6%+27.3%36.5%35.4$22.54BCompare
CFGCitizens Financial Group$65.90+2.38%+0.4%+5.8%18.3%13.0$27.62BCompare
CRCLCircle Internet Group$76.12+1.20%−37.5%+6.6%6.9%42.8$19.33BCompare
NTRSNorthern Trust$178.02+3.14%+9.0%+3.3%16.8%13.5$32.24BCompare

News about SYNCHRONY FINANCIAL

All news →
Synchrony (SYF) Upgraded to Buy: What Does It Mean for the Stock?Zacks Investment Research · Oct 22, 2026▲ PositiveSYF or FUTU: Which Is the Better Value Stock Right Now?Zacks Investment Research · Oct 22, 2026▲ PositiveSynchrony: 3 Key Takeaways for Long-Term InvestorsThe Motley Fool · Oct 20, 2026▲ PositiveSynchrony Q3 Earnings Beat Estimates on Improved Purchase VolumeZacks Investment Research · Oct 20, 2026▲ PositiveSynchrony (SYF) Q3 Earnings Top EstimatesZacks Investment Research · Oct 20, 2026Neutral

Quick answers

What does SYNCHRONY FINANCIAL do?
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications.
What is SYF's market cap?
$24.41B, based on the Nov 4 close of $75.03.
What is SYF's P/E ratio?
7.5× trailing-twelve-month earnings of $3.24B.
Does SYNCHRONY FINANCIAL pay a dividend?
Yes. The latest regular dividend was $0.34 per share (ex-date Nov 5), an annualised yield of 1.81%.
How much of SYF is sold short?
16.4M shares, 5.1% of float, as of Oct 15, 2026.
What sector is SYF in?
Financials, in the Banking & Credit industry.

About SYNCHRONY FINANCIAL

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

HQ: Stamford, CT20,000 employeesListed Jul 31, 2014synchrony.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology