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NYSE · CIK 0001601712 · FINANCE SERVICES

Synchrony Financial

SYF chart by TradingView
P/E 7.2xP/B 1.5xP/SALES 1.3xEV/EBITDA FCF YIELD

PRICE HISTORY

LIVE · NYSE
SYF chart by TradingView
REVENUE FY2025 ENDED DEC 2025
$19.0B
EBITDA
FREE CASH FLOW
EPS
$9.50
GROSS MARGIN
ROIC
20.92%
Q2 FY26ENDED JUN 2026HOVERDRAG ACROSS ANY CHART TO SCRUB ALL 24 · 40 QUARTERS SHOWNVALUATIONGROWTHPROFITABILITY & RETURNSCASH & CAPITALBALANCE SHEET

VALUATION

what you pay for a unit of the business7 CHARTS

P / E RATIO (TTM)

7.2x
-31%
LATEST · Q2 FY26
7.2xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
3.3x15.8x

P / SALES (TTM)

1.3x
-24%
LATEST · Q2 FY26
1.3xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
0.6x2.2x

P / BOOK

1.5x
-10%
LATEST · Q2 FY26
1.5xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
0.8x2.1x

EV / EBITDA (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EV / REVENUE (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

FCF YIELD (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

DIVIDEND YIELD (TTM)

1.58%
+0.9pp
LATEST · Q2 FY26
1.58%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
0.72%5.41%

GROWTH

is the business getting bigger5 CHARTS

REVENUE

$4.7B
+33%
LATEST · Q2 FY26
4.7BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EBITDA (DERIVED)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

NET INCOME

$0.9B
+47%
LATEST · Q2 FY26
0.9BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EPS (DILUTED)

$2.65
+264%
LATEST · Q2 FY26
2.65Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

REVENUE GROWTH YOY

2.28%
-9.6pp
LATEST · Q2 FY26
2.28%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
-19.80%35.13%

PROFITABILITY & RETURNS

what survives to the bottom, and what it earns on capital4 CHARTS

FCF MARGIN

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

RETURN ON CAPITAL

20.53%
+9.7pp
LATEST · Q2 FY26
20.53%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
8.17%29.16%

RETURN ON EQUITY (TTM)

20.82%
+4.9pp
LATEST · Q2 FY26
20.82%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
10.90%30.91%

MARGIN FUNNEL

every line is a share of the same revenue, so they read on one scale — the gaps are what each layer takes out, and net rises above operating when income arrives from outside the business
GROSS MARGIN
OPERATING MARGIN
NET MARGIN18.65%
FCF MARGIN
40.1730.1320.0910.040.00NETQ3 FY16Q3 FY17Q3 FY18Q3 FY19Q3 FY20Q3 FY21Q3 FY22Q3 FY23Q3 FY24Q3 FY25Q2 FY26

CASH & CAPITAL

where the money actually goes5 CHARTS

FREE CASH FLOW

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

STOCK-BASED COMP

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

CAPITAL EXPENDITURE

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

SHARES OUTSTANDING

0.33B
-60%
LATEST · Q2 FY26
0.33BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

DIVIDEND / SHARE

$0.30
+131%
LATEST · Q2 FY26
0.30Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

BALANCE SHEET

how much cushion there is3 CHARTS

CASH & EQUIVALENTS

$16.2B
+19%
LATEST · Q2 FY26
16.2BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

TOTAL DEBT

$16.4B
-19%
LATEST · Q2 FY26
16.4BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

DEBT / EBITDA (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
SOURCE → ALL FILINGS
FILING DATA AS OF 2026-08-11. Figures are derived from public SEC EDGAR filings (40most recent quarters shown, Q4 implied as full-year minus Q1-Q3). Valuation multiples use each period’s fiscal period-end close. Live price charts and quotes are provided by TradingView. This page is informational only — it is not investment advice, and figures are not warranted for accuracy. EBITDA is not a GAAP measure; it is derived as operating income + D&A. Verify against the linked source filing before relying on any number here.