Synchrony Financial (SYF)
NYSEFinancialsCredit ServicesSnapshot 2026-07-07
$75.52-1.99%
Close 2026-07-07 · 1-day change
Reading SYF? This analysis is rebuilt every market day. Get it tracked free. No credit card.
Track SYF free→NYSEFinancialsCredit ServicesSnapshot 2026-07-07
Reading SYF? This analysis is rebuilt every market day. Get it tracked free. No credit card.
Track SYF free→Synchrony keeps disciplined credit controls, lowering bad loans to 4.39%. It raises dividends 13% to $0.34 per share next quarter. Share buybacks grew from $197M to $971M in one year. Earnings per share beat estimates and revenue grows about 6% yearly.
Revenue is expected to decline about 20% next year. Credit losses could rise if economic conditions worsen. Dividend increases may pressure cash flow if earnings falter.
The price is about 9% below our fair value near $83. Analysts expect about 20% revenue decline, but we forecast 8% growth over three years, showing upside.
Breaks if: loans 30+ days past due rise above 4.39% in 2026-Q3
Maintain disciplined underwriting and credit management to support credit performance and risk-adjusted growth.
Stated as a priority in 6 of last 6 quarters. Loans 30+ days past due decreased from 4.78% in 2024-Q3 to 4.39% in 2025-Q3, and net charge-off rate decreased from 6.06% to 5.16% over the same period. Management’s repeated emphasis on disciplined underwriting and credit strategy aligns with improving credit metrics, indicating delivering progress.
Breaks if: dividend per share fails to reach $0.34 in 2026-Q3
Increase the quarterly cash dividend by 13% starting in third quarter 2026.
Newly stated in 2026-Q1. The Board approved a 13% increase in the quarterly cash dividend to $0.34 per share starting in 2026-Q3, up from $0.30 in 2026-Q1. This is a new capital allocation priority with clear financial commitment.
Breaks if: revenue growth falls below 6% YoY next year
Invest in growth initiatives and innovation to drive long-term financial targets and market position.
Stated as a priority in 3 of last 6 quarters. Management emphasizes investing in growth and innovation to drive long-term targets, supported by new partnerships and product expansions. Financials show stable revenue around $5.5B and net income growth, indicating ongoing investment but with limited direct quantification of impact.
Breaks if: capital returned falls below $971M in 2026-Q1
Continue disciplined share repurchase program to return capital to shareholders.
Stated as a priority in 5 of last 5 quarters. Capital returned to shareholders increased from $197 million in 2025-Q1 to $971 million in 2026-Q1, driven largely by share repurchases. Management has consistently emphasized disciplined capital return, and the financials show delivering progress.
Standing thesis, reviewed periodically — not a price target or advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We will remain disciplined in our underwriting, credit strategy, and our expense management.”
“Synchrony’s underwriting discipline and credit actions have delivered credit performance in 2025 that has exceeded our expectations.”
“Synchrony’s disciplined and effective approach to underwriting and credit management.”
“Synchrony’s differentiated underwriting and credit management tools continued to empower our dynamic responses.”
“Synchrony’s disciplined approach to underwriting and credit management is supporting the trajectory of our delinquency performance.”
“Synchrony’s ability to deliver consistent, risk-adjusted returns supported by disciplined underwriting and credit management.”
“the Board approved a planned 13% increase in the quarterly cash dividend to $0.34 per share beginning in third quarter 2026.”
“We will remain disciplined... while also investing in our growth and innovation to drive continued progress toward our long-term financial targets.”
“We continued to grow and win new partners, diversify our programs, products and markets, and innovate to deliver still greater customer experiences.”
“We continued to leverage our proprietary data and insights, innovative technological capabilities, and diversified product suite to add new partnerships.”
Maintain disciplined underwriting and credit management to support credit performance and risk-adjusted growth.
Stated as a priority in 6 of last 6 quarters. Loans 30+ days past due decreased from 4.78% in 2024-Q3 to 4.39% in 2025-Q3, and net charge-off rate decreased from 6.06% to 5.16% over the same period. Management’s repeated emphasis on disciplined underwriting and credit strategy aligns with improving credit metrics, indicating delivering progress.
“We will remain disciplined in our underwriting, credit strategy, and our expense management.”
“Synchrony’s underwriting discipline and credit actions have delivered credit performance in 2025 that has exceeded our expectations.”
“Synchrony’s disciplined and effective approach to underwriting and credit management.”
“Synchrony’s differentiated underwriting and credit management tools continued to empower our dynamic responses.”
“Synchrony’s disciplined approach to underwriting and credit management is supporting the trajectory of our delinquency performance.”
“Synchrony’s ability to deliver consistent, risk-adjusted returns supported by disciplined underwriting and credit management.”
“The Company returned $971 million in capital to shareholders, including $861 million of share repurchases.”
“The Company returned $614 million in capital to shareholders, including $500 million of share repurchases.”
“The Company returned $399 million in capital to shareholders, including $300 million of share repurchases.”
“The company returned $400 million in capital to shareholders, including $300 million of share repurchases.”
“The company returned $197 million in capital to shareholders, including $100 million of share repurchases.”