Great Place To Work released the 2026 Fortune 100 Best Companies to Work For list based on surveys from 7.3 million U.S. workers. Companies on the list have delivered 13.4% annualized stock returns over 28 years versus 9.2% for the Russell 3000, with higher employee trust levels (81% vs 56% typical) correlating with better AI adoption and business performance. Synchrony ranks #1, followed by Hilton, Cisco, American Express, and Wegmans in the top 5.
SYNCHRONY FINANCIAL (SYF)
Common Stock · Currency in USD · XNYS
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Company Info
SIC6199
Composite FIGIBBG00658F3P3
CIK0001601712
IPOJul 31, 2014
Sectorfinance services
Highlights
Market Cap$23.78B
EPS$11.56
P/E Ratio5.52
Revenue$18.48B
Gross Profit$18.88B
Net Income$4.31B
Employees20,000
WSO347,596,279
Phone203 585-2400
Websitehttps://www.synchrony.com
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in SYNCHRONY FINANCIAL, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
SYNCHRONY FINANCIAL (SYF) has returned -18.27% so far this year and 66.92% over the past 12 months. Looking at the last ten years, SYF has achieved an annualized return of 8.87%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
SYF
1M-0.41%
6M-4.77%
YTD-18.27%
1Y66.92%
5Y9.83%
10Y8.87%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of SYNCHRONY FINANCIAL (SYF) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -13.24% | -4.31% | 0.43% | -0.67% | ||||||||
| 2025 | 5.12% | -9.07% | -11.78% | -1.01% | 10.27% | 16.09% | 4.30% | 12.96% | -5.24% | 4.63% | 4.51% | 8.41% |
| 2024 | 2.48% | 5.92% | 4.48% | 2.35% | 0.27% | 7.49% | 7.11% | -1.14% | 0.28% | 11.12% | 22.47% | -4.27% |
| 2023 | 10.47% | 8.21% | -18.34% | 1.34% | 5.45% | 9.88% | 1.68% | -5.86% | -6.14% | -7.73% | 15.00% | 18.02% |
| 2022 | -8.37% | 0.59% | -18.04% | 4.48% | -0.08% | -25.09% | 22.06% | -0.97% | -12.97% | 23.47% | 4.01% | -8.85% |
| 2021 | -3.86% | 11.70% | 3.04% | 6.84% | 7.04% | 0.95% | -3.51% | 4.85% | -0.83% | -5.20% | -4.36% | 0.63% |
| 2020 | -10.32% | -10.87% | -45.05% | 32.20% | 9.22% | 8.26% | -0.76% | 11.26% | 6.17% | -5.41% | 19.44% | 11.07% |
| 2019 | 29.76% | 9.28% | -2.74% | 8.04% | -3.20% | 3.18% | 2.69% | -10.77% | 7.34% | 3.06% | 5.47% | -4.23% |
| 2018 | 2.27% | -7.97% | -8.14% | -0.78% | 4.69% | -5.06% | -12.59% | 9.09% | -1.61% | -7.58% | -10.66% | -10.56% |
| 2017 | -2.53% | 0.50% | -7.75% | -19.30% | -4.04% | 10.49% | 0.86% | 0.88% | 0.88% | 4.65% | 9.72% | 7.88% |
| 2016 | 6.81% | 1.36% | -18.84% | 10.46% | -0.25% | 0.61% | 2.69% | 20.13% | 4.58% |
Performance Indicators
The charts below present risk-adjusted performance metrics for SYNCHRONY FINANCIAL (SYF) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of SYF compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current SYNCHRONY FINANCIAL volatility is 1.46%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 119.10B | 119.46B | 117.48B | 104.56B | 95.75B | 95.95B | 104.83B | 106.79B | 95.81B | 90.21B | 84.14B | 75.71B |
| Equity Attributable To Parent (USD) | 16.77B | 16.58B | 13.90B | 12.87B | 13.66B | 12.70B | 15.09B | 14.68B | 14.23B | 14.20B | 12.60B | 10.48B |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 16.77B | 16.58B | 13.90B | 12.87B | 13.66B | 12.70B | 15.09B | 14.68B | 14.23B | 14.20B | 12.60B | 10.48B |
| Long-term Debt (USD) | 15.18B | 15.46B | 15.98B | 14.19B | 14.51B | 15.78B | 19.87B | 24.00B | 20.80B | 20.15B | - | - |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 102.33B | 102.88B | 103.58B | 91.69B | 82.09B | 83.25B | 89.74B | 92.11B | 81.57B | 76.01B | 71.53B | 65.23B |
| Liabilities (USD) | 102.33B | 102.88B | 103.58B | 91.69B | 82.09B | 83.25B | 89.74B | 92.11B | 81.57B | 76.01B | 71.53B | 65.23B |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 119.10B | 119.46B | 117.48B | 104.56B | 95.75B | 95.95B | 104.83B | 106.79B | 95.81B | 90.21B | 84.14B | 75.71B |
| Assets (USD) | 119.10B | 119.46B | 117.48B | 104.56B | 95.75B | 95.95B | 104.83B | 106.79B | 95.81B | 90.21B | 84.14B | 75.71B |
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