Stock Fundamentals

Company Information

Company Name
Synchrony Financial
Sector
Financial Services
Industry
Credit Services
Exchange
NYSE
ISIN: US87165B1035
CIK: 0001601712
CUSIP: 87165B103
Currency: USD
Full Time Employees: 20,000
Phone: 203 585 2400
Fiscal Year End: December
IPO Date: Jul 31, 2014
Description:

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Address:

777 Long Ridge Road, Stamford, CT, United States, 06902

Directors & Officers

Name Title Year Born
Mr. Brian D. Doubles President, CEO & Director 1976
Mr. Brian J. Wenzel Sr. Executive VP & CFO 1969
Ms. Carol D. Juel Executive VP and Chief Technology & Operating Officer 1974
Mr. Jonathan S. Mothner Esq., J.D. Executive VP & Chief Risk and Legal Officer 1964
Mr. Alberto Casellas Executive VP and CEO of Health & Wellness 1968
Ms. Amy Tiliakos Senior VP, Chief Accounting Officer & Controller 1983
Ms. Kathryn Harmon Miller Senior Vice President & Director of Investor Relations NA
Mr. D.J. Casto Executive VP & Chief Human Resources Officer NA
Mr. Bart Schaller Executive VP & CEO of Digital 1970
Mr. Michael Bopp Executive VP & Chief Growth Officer 1973

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 45.83M Dec 31, 2025 13.19% $0.06 -2.48%
Capital World Investors 38.33M Sep 30, 2025 11.03% $0.37 -2.56%
BlackRock Inc 33.22M Sep 30, 2025 9.56% $0.04 -5.48%
State Street Corp 19.08M Sep 30, 2025 5.49% $0.05 1.02%
Bank of America Corp 14.34M Sep 30, 2025 4.12% $0.07 5.44%
Geode Capital Management, LLC 10.12M Sep 30, 2025 2.91% $0.05 -0.80%
Par Capital Management Inc 7.50M Dec 31, 2025 2.16% $16.54 0.00%
The Goldman Sachs Group Inc 6.73M Sep 30, 2025 1.94% $0.06 46.83%
Morgan Stanley - Brokerage Accounts 5.79M Sep 30, 2025 1.67% $0.02 -2.55%
Dimensional Fund Advisors, Inc. 5.67M Dec 31, 2025 1.63% $0.10 -1.92%
UBS Asset Mgmt Americas Inc 5.44M Sep 30, 2025 1.57% $0.08 -6.81%
Northern Trust Corp 5.22M Sep 30, 2025 1.50% $0.05 -2.32%
Ameriprise Financial Inc 5.21M Sep 30, 2025 1.50% $0.09 -1.76%
Nordea Investment Mgmt Bank Demark A/s 5.13M Dec 31, 2025 1.48% $0.37 13.05%
First Trust Advisors L.P. 5.10M Sep 30, 2025 1.47% $0.27 -5.51%
Amvescap Plc. 4.97M Sep 30, 2025 1.43% $0.06 -0.45%
Allianz Asset Management AG 4.89M Sep 30, 2025 1.41% $0.39 -6.03%
NORGES BANK 4.59M Dec 31, 2025 1.32% $0.04 2.41%
Genworth Financial Wealth Mgmt Inc 4.35M Sep 30, 2025 1.25% $0.66 48.32%
Boston Partners Global Investors, Inc 3.92M Sep 30, 2025 1.13% $0.29 -12.60%

Shares Statistics

Shares Outstanding: 347.60M
Shares Float: 345.38M
% Insiders: 41.80%
% Institutions: 10,724.20%
Short % Float: 5.92%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Group Inc 45.83M 13.19% ▼ 2.48% Dec 31, 2025
2 Capital World Investors 38.33M 11.03% ▼ 2.56% Sep 30, 2025
3 BlackRock Inc 33.22M 9.56% ▼ 5.48% Sep 30, 2025
4 State Street Corp 19.08M 5.49% ▲ 1.02% Sep 30, 2025
5 Bank of America Corp 14.34M 4.12% ▲ 5.44% Sep 30, 2025
6 Geode Capital Management, LLC 10.12M 2.91% ▼ 0.80% Sep 30, 2025
7 Par Capital Management Inc 7.50M 2.16% ▲ 0.00% Dec 31, 2025
8 The Goldman Sachs Group Inc 6.73M 1.94% ▲ 46.83% Sep 30, 2025
9 Morgan Stanley - Brokerage Accounts 5.79M 1.67% ▼ 2.55% Sep 30, 2025
10 Dimensional Fund Advisors, Inc. 5.67M 1.63% ▼ 1.92% Dec 31, 2025

Valuation Metrics

Enterprise Value: $23.67B
Trailing P/E: 6.89
Forward P/E: 6.99

Financial Highlights

Market Cap: $23.04B
P/E Ratio: $6.89
PEG Ratio: $3.18
Book Value: $44.74
Dividend/Share: $1.15
Dividend Yield: 1.76%
Earnings/Share: $9.28
Profit Margin: 36.41%
Operating Margin: 48.53%
ROA (TTM): 2.98%
ROE (TTM): 21.30%
Revenue (TTM): $9.76B
Revenue/Share (TTM): $26.38
Earnings Growth (YOY): 7.80%
Revenue Growth (YOY): 5.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.21x 0.91x 0.86x 1.12x 2.96x
2024-12-31 0.22x 1.27x 0.86x 0.98x 4.19x
2023-12-31 25.25x 1.45x 0.88x 0.78x 6.01x
2022-12-31 1.39x 1.67x 0.88x 2.60x 4.91x
2021-12-31 2.68x 1.10x 0.86x 5.33x 2.55x
2020-12-31 4.26x 1.62x 0.87x 1.08x 9.45x
2019-12-31 2.69x 1.60x 0.86x 2.13x 4.58x
2018-12-31 0.23x 1.63x 0.86x 1.95x 6.08x
2017-12-31 2.84x 2.92x 0.85x 2.39x 11.63x
2016-12-31 2.45x 2.84x 0.84x 2.86x 10.63x
2015-12-31 3.30x 2.26x 0.85x 3.11x 7.67x
2014-12-31 4.20x 3.75x 0.86x 3.67x 11.17x
2013-12-31 0.09x 3.21x 0.90x 4.23x 5.90x
2012-12-31 0.07x 6.04x 0.91x 4.53x 8.00x
2011-12-31 N/A N/A N/A 3.23x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 03, 2026 Brian J Sr. Wenzel N/A Sale 47.11K $67.16 $3.16M
Mar 02, 2026 Alberto Casellas N/A Sale 14.40K $67.71 $974.96K
Mar 02, 2026 Bart Schaller N/A Sale 12.98K $67.71 $878.88K
Mar 02, 2026 Brian D Doubles N/A Sale 217.55K $68.68 $14.94M
Mar 02, 2026 Brian J Sr. Wenzel N/A Sale 19.58K $67.71 $1.33M
Mar 02, 2026 Curtis Howse N/A Sale 7.88K $67.71 $533.69K
Mar 02, 2026 Darrell Owens N/A Sale 3.87K $67.71 $261.70K
Feb 02, 2026 Arthur W Coviello Jr N/A Sale 4.00K $72.32 $289.28K
Feb 02, 2026 Curtis Howse N/A Sale 52.56K $72.32 $3.80M
Nov 17, 2025 Jonathan S Mothner N/A Sale 32.00K $72.80 $2.33M
Nov 03, 2025 Arthur W Coviello Jr N/A Sale 8.00K $73.93 $591.44K
Nov 03, 2025 Curtis Howse N/A Sale 12.09K $74.02 $894.61K
Nov 03, 2025 Darrell Owens N/A Sale 2.99K $74.02 $221.25K
Aug 05, 2025 Brian J Sr. Wenzel N/A Sale 8.51K $70.00 $595.98K
Aug 04, 2025 Darrell Owens N/A Sale 600.00 $67.95 $40.77K
Jul 01, 2025 Ro Khanna N/A Sale N/A $68.20 N/A
Jun 24, 2025 Curtis Howse N/A Sale 11.38K $65.00 $739.70K
Jun 23, 2025 Ro Khanna N/A Sale N/A $63.28 N/A
May 19, 2025 Jonathan S Mothner N/A Sale 40.64K $60.07 $2.44M

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