Synchrony Financial SYF | NYSE

$59.22 $1.78 | 3.09%

After Hours
$59.1 -$0.12 | -0.20%

Next Earnings: Jul 15, 2025

Company Overview:

Market Cap: $22.54B
PE Ratio: 8.11
52-Week Range: $40.55 - $70.93
Dividend Yield (FWD): 2.03% ($1.20)

10 Year SYF Performance Metrics:

Total Return (with DRIP): 124.8% (8.44% CAGR)
Total Return (no DRIP): 104.6% (7.42% CAGR)
Share Price: 81.4% (6.13% CAGR)
Dividend Increase: 130.8% (10.06% CAGR)
SYF 10-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y

SYF Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
SYF Dividend CAGR:1Y: 20.00%2Y: 14.21%5Y: 6.40%10Y: N/A
Share Price
SYF Price CAGR:1Y: 37.53%2Y: 32.39%5Y: 18.34%10Y: 6.09%

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SYF Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - SYF
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Dividend to Free Cash Flow Ratio - SYF
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SYF Earnings, Revenue, Cash & Debt, Shares Outstaning:

SYF - Revenue
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SYF Revenue CAGR:1Y: -6.89%2Y: 16.12%5Y: 12.64%10Y: 9.13%
SYF - Earnings Per Share (EPS)
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SYF EPS CAGR:1Y: -39.81%2Y: 18.32%5Y: 33.24%10Y: 11.09%
SYF - Net Income
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SYF Net Income CAGR:1Y: -41.45%2Y: 12.23%5Y: 21.49%10Y: 3.21%
SYF - EBITDA
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SYF EBITDA CAGR:1Y: 0.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
SYF - Free Cash Flow
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SYF Free Cash Flow CAGR:1Y: -2.14%2Y: 8.00%5Y: 7.44%10Y: 2.83%
SYF - Free Cash Flow / Share
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SYF Free Cash Flow / Share CAGR:1Y: -3.00%2Y: 11.40%5Y: 16.22%10Y: 10.44%
SYF - Operating Income
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SYF Operating Income CAGR:1Y: 37.25%2Y: 92.08%5Y: 42.15%10Y: 16.24%
SYF - Gross Profit
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SYF Gross Profit CAGR:1Y: -23.39%2Y: 5.26%5Y: 4.62%10Y: 5.18%
SYF - Shares Outstanding
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SYF Shares Outstanding CAGR:1Y: -3.18%2Y: -4.92%5Y: -8.24%10Y: -7.21%
SYF - Share Buybacks
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SYF Share Buybacks CAGR:1Y: 101.67%2Y: 22.37%5Y: -9.29%10Y: 0.00%
SYF - Stock-Based Comp
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SYF Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: -100.00%10Y: -100.00%
SYF - Expenses
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SYF Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
SYF - Revenue vs Net Income
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SYF - EPS vs FCF / Share
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SYF - EPS vs PE Ratio
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SYF - FCF vs FCF / Share
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SYF - FCF vs Stock Based Comp
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SYF - Cash & Debt
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SYF - Dividends
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SYF Dividend CAGR:1Y: 20.00%2Y: 14.21%5Y: 6.40%10Y: N/A

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SYF - REVENUE: Actual + Estimates
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SYF Actual Revenue CAGR:1Y: -6.89%2Y: 16.12%5Y: 12.64%10Y: 9.13%
SYF - EPS: Actual + Estimates
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SYF Actual EPS CAGR:1Y: -39.81%2Y: 18.32%5Y: 33.24%10Y: 11.09%
SYF - NET INCOME: Actual + Estimates
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SYF Actual Net Income CAGR:1Y: -41.45%2Y: 12.23%5Y: 21.49%10Y: 3.21%
SYF - EBITDA: Actual + Estimates
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SYF Actual EBITDA CAGR:1Y: 0.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%

Ratios, Profit Margins & Return on Capital:

SYF - Net Profit Margin
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SYF Net Profit Margin CAGR:1Y: -37.11%2Y: -3.34%5Y: 7.87%10Y: -5.43%
SYF - Gross Profit Margin
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SYF Gross Profit Margin CAGR:1Y: -17.71%2Y: -9.35%5Y: -7.12%10Y: -3.63%
SYF - Price to Earnings
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SYF - Price To Sales Ratio
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SYF - Return on Capital Employed
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SYF - Return on Invested Capital
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SYF Dividends Info:

Annual Dividend: $1.2
Forward Yield: 2.03%
Ex-Dividend Date: 2025-05-05
Lifetime Dividends / Share: $7.57

SYF Dividend History: Dates, Payments & Yield list

Below is a schedule of all SYF dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/05/202505/15/2025$0.3001.94%1.98%$60.49
02/03/202502/18/2025$0.2501.48%1.53%$65.29
11/04/202411/15/2024$0.2501.82%1.54%$64.98
08/05/202408/15/2024$0.2502.28%2.18%$45.89
05/03/202405/15/2024$0.2502.19%2.27%$44.14
02/02/202402/15/2024$0.2502.52%2.51%$39.85
10/31/202311/09/2023$0.2503.42%3.43%$29.15
07/28/202308/10/2023$0.2502.72%2.91%$34.40
05/01/202305/12/2023$0.2303.19%3.4%$27.08
02/03/202302/17/2023$0.2302.46%2.57%$35.77
10/31/202211/10/2022$0.2302.53%2.38%$38.73
07/29/202208/11/2022$0.2302.66%2.55%$36.11
04/29/202205/12/2022$0.2202.39%2.66%$33.03
02/09/202202/17/2022$0.2201.97%2.02%$43.66
10/29/202111/12/2021$0.2201.89%1.75%$50.18
07/30/202108/12/2021$0.2201.87%1.7%$51.62
04/30/202105/13/2021$0.2202.01%1.94%$45.27
02/04/202102/16/2021$0.2202.37%2.32%$37.90
10/30/202011/12/2020$0.2203.52%3.02%$29.11
07/31/202008/13/2020$0.2203.98%3.56%$24.70
05/01/202005/14/2020$0.2204.75%5.16%$17.07
02/06/202002/13/2020$0.2202.62%2.6%$33.82
11/01/201911/14/2019$0.2202.41%2.4%$36.73
08/02/201908/15/2019$0.2202.42%2.69%$32.76
05/03/201905/16/2019$0.2102.45%2.38%$35.24
02/01/201902/14/2019$0.2102.63%2.72%$30.83
11/02/201811/15/2018$0.2102.72%3.17%$26.51
08/03/201808/16/2018$0.2102.21%2.76%$30.43
05/04/201805/17/2018$0.1501.84%1.72%$34.93
02/02/201802/15/2018$0.1501.5%1.63%$36.84
11/03/201711/16/2017$0.1501.69%1.8%$33.38
08/03/201708/17/2017$0.1501.81%1.99%$30.10
05/04/201705/18/2017$0.1301.81%1.96%$26.50
02/02/201702/16/2017$0.1301.1%1.41%$36.85
11/03/201611/17/2016$0.1300.92%1.56%$33.43
08/10/201608/25/2016$0.1300.47%1.93%$27.01

Projected Future Returns & Dividends for SYF

Based on past 10-year performance, here are SYF growth metrics:

Share price CAGR of +6.09%
Dividend CAGR of +10.06%

Using SYF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

SYF (DRIP)SYF - No DRIP
Current Price$59.22$59.22
Start Shares168.86168.86
Start Value$10,000$10,000
  
After 10 years:
Final Share Count214.61168.86
Dividends Payment$0.78$0.78
Annual Dividends$672$529
Yield on cost6.72%5.29%
Share Price$100.79$100.79
Total Dividends$3,691$3,240
Final Value$21,630$20,259

Estimated Future Value + Dividends - SYF

NOTE: Above numbers are our estimate based on SYF's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Synchrony Financial (SYF) had its IPO on 2014-07-31, and is trader on NYSE stock exchange.

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

SYF website: https://www.synchrony.com


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