Synchrony Financial (SYF)

CareCredit LLC • Loop Commerce, LLC • Retail Finance • Retail Finance International Holdings, Inc. • RFS Holding, Inc. • RFS Holding, L.L.C. • Sherman Clay & Co., LLC • Synchrony Financial Canada • Synchrony Financial Canada Company • Synchrony Global Services Philippines, Inc. ...

SYF stock data

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Average target

$74.29

Low target

$66.00

High target

$85.00

Latest filings (excl ownership)

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8-K

Regulation FD Disclosure

Prospectus supplement for primary offering

4 Mar 25

FWP

Free writing prospectus

3 Mar 25

424B5

Prospectus supplement for primary offering

3 Mar 25

8-K

Regulation FD Disclosure

Regulation FD Disclosure

28 Jan 25

8-K

Fourth Quarter 2024 Results and Key Metrics

28 Jan 25

8-K

Regulation FD Disclosure

9 Dec 24

Transcripts

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SYF

Earnings call transcript

2024 Q4

28 Jan 25

SYF

Earnings call transcript

2024 Q3

16 Oct 24

SYF

Earnings call transcript

2024 Q2

17 Jul 24

SYF

Earnings call transcript

2024 Q1

24 Apr 24

SYF

Earnings call transcript

2023 Q4

23 Jan 24

SYF

Earnings call transcript

2023 Q3

24 Oct 23

SYF

Earnings call transcript

2023 Q2

18 Jul 23

SYF

Earnings call transcript

2023 Q2

18 Jul 23

SYF

Earnings call transcript

2023 Q1

19 Apr 23

SYF

Earnings call transcript

2022 Q4

23 Jan 23

Latest ownership filings

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Financial summary

Financial statements Chart SYF financial data

Quarter (USD)	Dec 24	Sep 24	Jun 24	Mar 24
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 24	Dec 23	Dec 22	Dec 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	14.71 bn	14.71 bn	14.71 bn	14.71 bn	14.71 bn	14.71 bn
Cash burn (monthly)	1.09 bn	(no burn)	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	2.90 bn	n/a	n/a	n/a	n/a	n/a
Cash remaining	11.81 bn	n/a	n/a	n/a	n/a	n/a
Runway (months of cash)	10.8	n/a	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q4 2024

SYF institutional ownership history Ownership history

99.6% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	883	780	+13.2%
Opened positions	183	115	+59.1%
Closed positions	80	59	+35.6%
Increased positions	292	271	+7.7%
Reduced positions	295	267	+10.5%

13F shares	Current	Prev Q	Change
Total value	23.53 tn	17.97 tn	+31.0%
Total shares	387.05 mm	384.53 mm	+0.7%
Total puts	4.90 mm	4.29 mm	+14.2%
Total calls	9.74 mm	5.10 mm	+91.1%
Total put/call ratio	0.5	0.8	-40.3%

Largest owners	Shares	Value	Change
Vanguard	48.14 mm	$3.13 tn	-3.0%
Capital World Investors	42.51 mm	$2.76 tn	-1.4%
BlackRock	35.22 mm	$2.29 tn	-2.9%
STT State Street	18.53 mm	$1.20 tn	+1.5%
BAC Bank of America	12.34 mm	$801.95 bn	-1.1%
Geode Capital Management	9.96 mm	$650.68 bn	+2.1%
GIC Private	9.46 mm	$328.22 mm	0.0%
Par Capital Management	7.40 mm	$481.00 bn	-11.9%
Dimensional Fund Advisors	6.54 mm	$425.29 bn	-0.0%
First Trust Advisors	6.05 mm	$393.46 bn	-14.2%

Largest transactions	Shares	Bought/sold	Change
Norges Bank	5.35 mm	+5.35 mm	NEW
Arrowstreet Capital, Limited Partnership	5.39 mm	-2.69 mm	-33.3%
Sachem Head Capital Management	2.20 mm	+2.20 mm	NEW
T. Rowe Price	2.51 mm	+1.94 mm	+340.9%
Azora Capital	2.11 mm	+1.84 mm	+700.5%
Citadel Advisors	2.68 mm	-1.74 mm	-39.3%
Vanguard	48.14 mm	-1.50 mm	-3.0%
Nuveen Asset Management	2.36 mm	+1.48 mm	+169.0%
IVZ Invesco	5.15 mm	-1.23 mm	-19.2%
Junto Capital Management	0.00	-1.21 mm	EXIT

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

SYF insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
3 Mar 25	Bart Schaller	Common Stock	Sell	Dispose S	No	Yes	61.09	200	12.22 k	41,562
3 Mar 25	Bart Schaller	Common Stock	Sell	Dispose S	No	Yes	60.48	15,888	960.91 k	41,762
3 Mar 25	Bart Schaller	Common Stock	Sell	Dispose S	No	Yes	59.28	38,005	2.25 mm	57,650
3 Mar 25	Bart Schaller	Common Stock	Sell	Dispose S	No	Yes	58.58	10,490	614.50 k	95,655
3 Mar 25	Bart Schaller	Common Stock	Sell	Dispose S	No	Yes	57.42	10,528	604.52 k	106,145
3 Mar 25	Bart Schaller	Common Stock	Option exercise	Acquire M	No	Yes	33.53	14,548	487.79 k	116,673
3 Mar 25	Bart Schaller	Common Stock	Option exercise	Acquire M	No	Yes	34.3	14,453	495.74 k	102,125
3 Mar 25	Bart Schaller	Employee Stock Option Common Stock	Option exercise	Dispose M	No	Yes	33.53	14,548	487.79 k	0
3 Mar 25	Bart Schaller	Employee Stock Option Common Stock	Option exercise	Dispose M	No	Yes	34.3	14,453	495.74 k	0
3 Mar 25	Curtis Howse	Common Stock	Sell	Dispose S	No	Yes	60.01	34,043	2.04 mm	107,816