Nama's AI scorecard currently rates Synchrony Financial Buy (7.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is SYF's P/E ratio?

Synchrony Financial trades at a trailing price-to-earnings ratio of 7.6.

When does SYF report earnings?

Synchrony Financial's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $1.97.

What is the SYF price target?

The median analyst price target from 23 analysts is $88.00, with a range of $76.00 – $103.00.

Is SYF Shariah compliant?

Nama's AAOIFI-style screen reads Synchrony Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does SYF pay a dividend?

Yes — Synchrony Financial's dividend yield is 1.8%.

Nama Insights

Synchrony Financial (SYF)

Financial Services · Credit Services · NYSE

S&P 500

Synchrony Financial (SYF) is a Financial Services company in the Credit Services industry. It has a market capitalization of $23.99B and a trailing price-to-earnings ratio of 7.6. Over the most recent reported fiscal year, revenue declined 0.5%. Nama's AI scorecard rates it Buy, 7.3 out of 10. On 12-month momentum it ranks in the lagging band of its market.

AI scorecard

Buy · 7.3/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Lagging · -2.2% over 12 months ex. last

Second-worst fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-16.9%

How far the last close sits under the highest price of the past five years.

Market cap	$23.99B
Trailing P/E	7.6
Price / book	1.4
Price / sales	2.5
FCF yield	—
Dividend yield	1.8%
Gross margin	0.0%
Operating margin	—
Net margin	34.1%
Revenue growth (YoY)	-0.5%
Revenue growth (3-yr annual)	+8.7%
EPS growth (YoY)	+43.3%
FCF/share growth (YoY)	—
Beta	1.3
Exchange	NYSE
Sector	Financial Services
Industry	Credit Services

SYF earnings

Next report: Jan 26, 2027 (Q4 2026, EPS estimate $1.97). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 19, 2026	$2.68	$2.40	+11.7%	$3.82B
Q2 2026	Jul 21, 2026	$2.59	$2.13	+21.6%	$3.72B
Q1 2026	Apr 21, 2026	$2.27	$2.16	+5.1%	$3.70B
Q4 2025	Jan 27, 2026	$2.18	$2.02	+7.9%	$3.79B

SYF analyst price target

Median target $88.00 from 23 analysts, ranging $76.00 – $103.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
AFRM	Affirm	$22.98B	9.7
SOFI	SoFi Technologies	$21.02B	30.0
ALLY	Ally Financial	$11.45B	8.0

Explore live SYF data on Nama Insights →

Recent Congressional trades

Synchrony Financial trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Alan Armstrong	Senate	Buy	$1,001 - $15,000	Jul 21, 2026
Josh Gottheimer	House	Sell	$15,001 - $50,000	May 19, 2026
Julia Letlow	House	Buy	$1,001 - $15,000	Jan 13, 2026

SYF FAQ

Is SYF a buy?: Nama's AI scorecard currently rates Synchrony Financial Buy (7.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is SYF's P/E ratio?: Synchrony Financial trades at a trailing price-to-earnings ratio of 7.6.
When does SYF report earnings?: Synchrony Financial's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $1.97.
What is the SYF price target?: The median analyst price target from 23 analysts is $88.00, with a range of $76.00 – $103.00.
Is SYF Shariah compliant?: Nama's AAOIFI-style screen reads Synchrony Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does SYF pay a dividend?: Yes — Synchrony Financial's dividend yield is 1.8%.