Synchrony Financial (SYF)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from SYF's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Synchrony Financial's 10-K filings. The deep dive has 15+ years, quarters and every line.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Net income | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Free cash flow | — | — | — | — | — |
| EPS (diluted) | $7.34 | $6.15 | $5.19 | $8.55 | $9.28 |
| Operating margin | — | — | — | — | — |
Superinvestors who own SYF
From each investor's latest 13F filing (what a 13F shows). 4 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Bill Nygren Harris Associates LP |
Added | $566M | 0.75% | Q2 2026 |
| Cliff Asness AQR Capital Management |
Trimmed | $271M | 0.09% | Q2 2026 |
| Francis Chou Chou Associates Management |
Held | $17M | 7.8% | Q2 2026 |
| Joel Greenblatt Gotham Asset Management |
Added | $925,529 | 0.00% | Q2 2026 |
Insider buying
Open-market purchases by Synchrony Financial's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Feb 24, 2026 | Ro Khanna |
0 | $70.75 | — |
| Feb 24, 2026 | Ro Khanna |
0 | $70.75 | — |
| Feb 24, 2026 | Ro Khanna |
0 | $70.75 | — |
| Feb 5, 2026 | Ro Khanna |
0 | $73.96 | — |
| Feb 5, 2026 | Ro Khanna |
0 | $73.96 | — |
| Feb 5, 2026 | Ro Khanna |
0 | $73.96 | — |
Get an alert at your buy price
Pick the price you'd be interested at. We'll email you when SYF trades at or below it.
Free accounts get 3 price alerts. No card needed.
In the full deep dive
Questions
Are Synchrony Financial insiders buying the stock?
6 open-market insider purchases of SYF in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Synchrony Financial?
4 of the superinvestors Investingly tracks hold SYF in their latest 13F, including Bill Nygren, Cliff Asness, Francis Chou.
Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.