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About the company
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
- Revenue in USD (TTM)22.60bn
- Net income in USD3.47bn
- Incorporated2003
- Employees20.00k
- LocationSynchrony Financial777 Long Ridge RdSTAMFORD 06902-1250United StatesUSA
- Phone+1 (203) 585-6730
- Fax+1 (302) 655-5049
- Websitehttps://www.synchrony.com/
Mergers & acquisitions
| Acquired company | SYF:NYQ since announced | Transaction value |
|---|---|---|
| Versatile Credit Inc | -4.43% | -- |
| Lowe's Co Inc-Commercial Credit Card Portfolio | -1.95% | -- |
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit Acceptance Corp | 2.32bn | 423.90m | 5.18bn | 2.31k | 13.20 | 3.38 | 11.50 | 2.24 | 36.51 | 36.51 | 198.85 | 142.66 | 0.265 | -- | 64.91 | 1,001,383.00 | 4.85 | 6.37 | 5.86 | 7.99 | -- | -- | 18.29 | 24.35 | -- | 2.38 | 0.8066 | 0.00 | 7.16 | 6.78 | 71.00 | 0.1374 | -28.40 | -- |
| OneMain Holdings Inc | 6.24bn | 783.00m | 6.52bn | 9.30k | 8.47 | 1.92 | 6.09 | 1.04 | 6.57 | 6.57 | 52.34 | 29.02 | 0.2343 | -- | 462.44 | 671,290.30 | 2.94 | 3.44 | 2.94 | 3.46 | 79.63 | 80.59 | 12.54 | 15.07 | -- | -- | 0.8697 | 78.66 | 9.09 | 4.82 | 53.83 | 1.41 | -- | 23.70 |
| UWM Holdings Corp | 3.16bn | 27.38m | 6.93bn | 9.10k | 40.89 | 34.72 | 23.13 | 2.19 | 0.1059 | 0.1059 | 5.78 | 0.1247 | 0.1939 | -- | 34.63 | 347,315.30 | 1.50 | 3.86 | 1.79 | 4.85 | 88.79 | 90.25 | 7.72 | 22.01 | -- | 1.20 | 0.90 | 148.28 | 18.19 | -8.54 | 90.09 | -61.84 | 5.27 | -- |
| Firstcash Holdings Inc | 3.66bn | 330.38m | 8.67bn | 22.00k | 26.55 | 3.81 | 19.60 | 2.37 | 7.42 | 7.42 | 82.22 | 51.77 | 0.7489 | 4.43 | 38.70 | 166,411.00 | 6.76 | 5.83 | 7.32 | 6.36 | 50.28 | 48.95 | 9.02 | 8.11 | 3.36 | 5.07 | 0.4924 | 24.54 | 8.04 | 17.55 | 27.65 | 25.39 | 7.06 | 8.18 |
| Ally Financial Inc | 13.52bn | 742.00m | 12.29bn | 10.30k | 16.88 | 0.9308 | 5.74 | 1.39 | 2.36 | 2.36 | 28.33 | 50.24 | -- | -- | -- | -- | 0.4394 | 0.7633 | -- | -- | -- | -- | 9.63 | 16.15 | -- | -- | -- | 27.22 | -4.93 | 8.98 | 32.74 | -7.34 | -0.2092 | 9.57 |
| SoFi Technologies Inc | 3.38bn | 481.32m | 23.45bn | 6.10k | 48.38 | 2.23 | 32.78 | 6.49 | 0.3802 | 0.3802 | 2.89 | 8.26 | -- | -- | -- | -- | 1.11 | -0.1008 | -- | -- | -- | -- | 13.32 | -1.14 | -- | -- | -- | -- | 20.21 | 56.15 | 0.4558 | -- | 59.21 | -- |
| Synchrony Financial | 22.60bn | 3.47bn | 23.86bn | 20.00k | 7.39 | 1.53 | 5.99 | 1.26 | 9.29 | 9.29 | 50.77 | 48.32 | -- | -- | -- | -- | 2.98 | 3.03 | -- | -- | -- | -- | 18.71 | 19.10 | -- | -- | -- | 13.33 | -0.1943 | 7.06 | 1.23 | 20.90 | -- | 6.40 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2025 | 42.08m | 11.68% |
| Capital Research & Management Co. (World Investors)as of 31 Dec 2025 | 38.33m | 10.64% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 18.91m | 5.25% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 18.44m | 5.12% |
| Managed Account Advisors LLCas of 31 Dec 2025 | 12.30m | 3.42% |
| Geode Capital Management LLCas of 31 Dec 2025 | 9.91m | 2.75% |
| Goldman Sachs Asset Management LPas of 31 Dec 2025 | 7.76m | 2.16% |
| PAR Capital Management, Inc.as of 31 Dec 2025 | 7.50m | 2.08% |
| Columbia Management Investment Advisers LLCas of 31 Dec 2025 | 5.17m | 1.44% |
| Nordea Investment Management AB (Denmark)as of 31 Dec 2025 | 5.13m | 1.43% |
