Synchrony Financial (SYF)

Synchrony Financial's stock has seen a 15.37% increase over the last six months as of January 14, 2026. In early January 2026, SYF shares reached a new 52-week high following an analyst upgrade, but experienced a downturn due to concerns over the Credit Card Competition Act. In the third quarter of 2025, Synchrony Financial reported an EPS of $2.86 on October 15, 2025, surpassing expectations. A quarterly dividend of $0.30 was announced and paid on November 17, 2025. The Board approved a $1.00 billion share buyback program on October 15, 2025. The share price as of January 6, 2026, was $88.47, marking a 32.88% increase from January 7, 2025.

Demand seasonality for Synchrony Financial's products and services is evident in its financial performance. Loan receivables typically decrease between the fourth quarter and the first quarter of the subsequent year, while the allowance for credit losses as a percentage of total loan receivables tends to increase. Delinquency rates and delinquent loan receivables balances generally rise during the third and fourth quarters due to lower customer payment rates, leading to higher net charge-off rates in the first half of the calendar year. Promotional financing is particularly effective during major shopping holidays.

Synchrony Financial is a consumer financial services company operating in the retail credit and loyalty solutions industry, consumer lending, and credit card issuing. It offers private label, dual and co-branded, and general-purpose credit cards, along with installment loans. Synchrony Bank, its online bank subsidiary, provides FDIC-insured savings products. Its services cater to digital, health and wellness, retail, telecommunications, home, auto, and outdoor industries.

Synchrony Financial is headquartered in Stamford, Connecticut, and primarily operates within the U.S. It has over two dozen office locations globally, including in the United States, Canada, Puerto Rico, India, and the Philippines. It also operates "Innovation Stations" in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohio; and Hyderabad, India.

Synchrony Financial has maintained a strong brand reputation, particularly as an employer. It was recognized as one of the "Best Companies to Work For" in the U.S. by Fortune magazine and Great Place to Work in 2024 for the seventh consecutive year, moving up to the 5th position. This recognition highlights the company's commitment to a people-centric culture, workplace flexibility, comprehensive wellness benefits, and progressive parental leave policies.

Institutional investors predominantly hold Synchrony Financial's stock, owning approximately 88.39%. Insiders hold about 0.45%, while public companies and individual investors account for 11.16%. Major institutional shareholders include Vanguard Group Inc., Capital World Investors, BlackRock, Inc., State Street Corp, and Bank Of America Corp. Electric Co General is noted as the largest individual Synchrony Financial shareholder, owning 705.27 million shares, representing 195.82% of the company, with a value of $61.28 billion.