Synchrony Financial (SYF)

Synchrony Financial's stock has experienced notable movements over the past six months. As of June 23, 2025, the stock price was $63.25 per share, marking a 38.95% increase from June 24, 2024. The stock reached its all-time high of $70.93 USD on January 22, 2025. Despite better-than-expected Q4 2024 EPS, the company's shares fell due to disappointing revenue and a weak 2025 outlook. Analysts have shown positive sentiment, with Truist Securities raising its price target. Synchrony Financial has outperformed the S&P 500 over the past year.

Demand for Synchrony Financial's products and services exhibits seasonality, particularly influenced by consumer spending patterns. The company's Q1 2025 interest income was lower than the previous quarter due to seasonal factors. Synchrony's Annual Holiday Shopping Study indicates a strong increase in retail sales during the holiday season, suggesting a heightened demand for Synchrony's credit products during this period.

Synchrony Financial is an American consumer financial services company headquartered in Stamford, Connecticut. It operates within the financial services sector, specializing in consumer financing products such as credit, promotional financing, loyalty programs, and installment lending. The company also provides FDIC-insured consumer savings products through Synchrony Bank. Synchrony is the largest provider of private label credit cards in the United States and partners with various retailers, merchants, and healthcare service providers across numerous industries.

Synchrony Financial's primary operations and revenue activities are concentrated within the United States. Its headquarters are in Stamford, Connecticut, and it maintains "Innovation Stations" in Chicago, Illinois, Kettering, Ohio, and Hyderabad, India. Additionally, Synchrony has an emerging tech center at the University of Illinois and a Digital Technology Center at the University of Connecticut's Stamford campus. The company serves a significant portion of the U.S. adult population, providing financing solutions to 1 in 4 adults.

Synchrony Financial has received positive recognition for its workplace culture, being named the No. 2 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work®. The company achieved a 94% employee satisfaction rate and was ranked as the No. 1 Workplace in New York by Great Place To Work. Synchrony has also engaged in initiatives to promote financial literacy and enhance access to higher education and skills training.

Synchrony Financial's ownership is predominantly institutional, with institutional investors holding approximately 57.87% to 99.95% of the company's stock. Major institutional owners include Vanguard Group Inc, Capital World Investors, BlackRock, Inc., and State Street Corp. Public Companies and Individual Investors own 29.32%. Electric Co General is listed as a significant insider shareholder.