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SYF Synchrony Financial

Trailing twelve months to 2026-06-30 · as filed 2026-07-23, not restated
Financials

Scale

Market cap
$26.0bn
Revenue TTM
$19.2bn
Net income TTM
$3.5bn
Free cash flow
Composite score
77.4
Sector rank
#375

Valuation

P / E
7.4
EV / EBITDA
EV / sales
1.4
FCF yield
Earnings yield vs 10-yr
8.79pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
18.3%
EBITDA margin
ROE
20.8%
ROIC
Revenue growth
2.9%

Insider activity, last 90 days

Net open-market
$-0.85m
Buyers
0
Sellers
4

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Digital Our Digital sales platform provides comprehensive payments and financing solutions with integrated digital experiences through partners and merchants who primarily engage with their consumers through digital channels. Corp, Other Corp, Other includes activity and balances related to certain program agreements with retail partners and merchants that will not be renewed beyond their current expiration date and certain programs that were previously terminated, which are not managed within the five sales platforms discussed above, as well as fee income generated from Versatile Credit. …Synchrony Financial, 10-Q, period ended 2026-06-30, filed 2026-07-23

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