Synchrony Financial
SYFFinancial ServicesNASDAQCredit Services
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Daily timeframePart of the financial services sector, Synchrony Financial (SYF) is listed under Credit Services. The $25.58B 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
$25.58B
Beta
1.31
P/E (TTM)
8.06
P/E (Fwd)
7.48
EPS (TTM)
$9.75
EPS (Fwd)
$10.51
ROE
20.8%
ROA
2.9%
Cash
$16.19B
Total Debt
$16.43B
Free CF
—
52W Change
6.9%
Annual Financials
Cash vs Debt
Where SYF stands vs its 150-day and 200-day moving averages
As of the August 25, 2026 close, SYF finished 10.07% above its 150-day moving average ($72.70) and 7.73% above its 200-day moving average ($74.28). 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 August 25, 2026 close, SYF's RSI(14) was 55.3, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Synchrony Financial carries $16.43B in total debt against $16.19B in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 20.8%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.9% 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.
Investors considering Synchrony Financial should weigh the typical risks associated with SYF's sector, size, and financial profile against their own risk tolerance and investment objectives. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Synchrony Financial's trajectory.