Synchrony Financial
SYFFinancial ServicesNASDAQCredit Services · Last scanned Oct 26, 2026
Scan Results
Daily timeframeHeadquartered within the financial services sector, Synchrony Financial focuses on Credit Services services and products. Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The $23.96B market capitalization puts SYF squarely in large-cap range for its industry. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Market Cap
$23.96B
Beta
1.34
P/E (TTM)
7.69
P/E (Fwd)
7.02
EPS (TTM)
$9.58
EPS (Fwd)
$10.49
ROE
19.8%
ROA
2.8%
Cash
$15.90B
Total Debt
$17.03B
Free CF
—
52W Change
-1.8%
Annual Financials
Cash vs Debt
Where SYF stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, SYF finished 0.69% above its 150-day moving average ($73.73) and 0.83% above its 200-day moving average ($73.63). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SYF overbought or oversold?
At the October 20, 2026 close, SYF's RSI(14) was 61.6, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Synchrony Financial carries $17.03B in total debt against $15.90B in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 19.8% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $11.67B (2022) to $14.98B (2025), reflecting a 28% increase over the period.
As with any equity investment, SYF carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Synchrony Financial's trajectory.