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Arphra AIPlain-English read on Synchrony Financial’s valuationAI Issuer Brief
Arphra AILoading cached brief…
Fair value
Football field →Weighted blend
$106.67
+41.90% vs spot
Recommendation
Strong Buy
19 of 21 methods
Method spread
11bull7bear
±5% threshold
Analyst PT consensus: $90.55 (+20.46%)
Candlestick · 1Y
Open in chart workstation →SYF
74.61+21.42%H 88.77L 60.18MA50 72.63MA200 74.30Avg vol 3.8M
Price change · trailing returns
Live| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.43% | +2.36% | +5.80% | +15.34% | -10.17% | -9.90% | +22.33% | +129.81% | +62.92% | +194.21% | +226.83% |
Insider · 30d
History →Bought
$0
0 txns
Sold
$22.34M
10 txns
Net flow
−$22.34M
Aftermarket
LiveLast trade
$75.17
302 sh
Bid
$75.16
100 sh
Ask
$75.20
139 sh
Spread
$0.040
Recent quarters
All financials →| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q1 Mar 2026 | $5.6B | $805M | $2.27 |
| Q4 Dec 2025 | $4.77B | $751M | $2.04 |
| Q3 Sep 2025 | $4.83B | $1.08B | $2.86 |
| Q2 Jun 2025 | $4.71B | $967M | $2.50 |
| Q1 Mar 2025 | $4.8B | $757M | $1.89 |
| Q4 Dec 2024 | $4.92B | $774M | $1.91 |
Sector & industry today
LiveSectors
- Communication Services+1.49%
- Technology+1.48%
- Utilities+1.13%
- Consumer Cyclical+0.66%
- Consumer Defensive+0.04%
- Real Estate-0.47%
- Industrials-0.48%
- Basic Materials-0.68%
- Energy-0.79%
- Financial Services-0.89%
- Healthcare-1.94%
Top industries (issuer's industry highlighted)
- Financial - Credit Services-0.84%
- Electronic Gaming & Multimedia+5.75%
- Biotechnology-4.92%
- Oil & Gas Drilling-4.88%
- Business Equipment & Supplies+4.40%
- Other Precious Metals-3.81%
- Oil & Gas Equipment & Services-3.35%
- Advertising Agencies-3.32%
- Furnishings, Fixtures & Appliances+3.04%
- Coal-3.02%
- Semiconductors+2.77%
- Communication Equipment-2.65%
Analyst view
DB · price_targets + analyst_gradesConsensus target
$90.55
+375.08% upside
Low
$82.00
Median
$93.00
High
$100.00
Recent actions
0 ↑0 ↓8 hold
- Apr 01, 2026
- Mar 01, 2026
- Feb 01, 2026
- Jan 01, 2026
- Dec 01, 2025
News
DB · news_items- Synchrony's CareCredit Makes It Easy to Pay for Your Pet's Training, Boarding, Daycare and Grooming with Pet Resort Hospitality Group Partnershipprnewswire.com·Jun 10, 2026
- Synchrony's CareCredit Makes It Easy to Pay for Your Pet's Training, Boarding, Daycare and Grooming with Pet Resort Hospitality Group Partnershipprnewswire.com·Jun 10, 2026
- Synchrony's Comeback Is Hiding in Plain Sightmarketbeat.com·Jun 10, 2026
- Synchrony Financial (SYF) Presents at Morgan Stanley US Financials Conference 2026 Transcriptseekingalpha.com·Jun 09, 2026
- CareCredit Now Available at LiveLoveSpa.com Checkout, Marking First eCommerce Partnership in the Cosmetic Spaceprnewswire.com·Jun 03, 2026
- CareCredit Now Available at LiveLoveSpa.com Checkout, Marking First eCommerce Partnership in the Cosmetic Spaceprnewswire.com·Jun 03, 2026
- Synchrony and CareCredit Lend a Helping Paw to College Puppy Raisers Training Canine Companions' Next Generation of Service Dogsprnewswire.com·May 12, 2026
- Synchrony and CareCredit Lend a Helping Paw to College Puppy Raisers Training Canine Companions' Next Generation of Service Dogsprnewswire.com·May 12, 2026
Peers
- MSMorgan Stanley$190.18$301.98B
- TFCTruist Financial Corporation$50.93$63.45B
- KBKB Financial Group Inc.$110.21$39.09B
- BBDOBanco Bradesco S.A.$3.50$37.03B
- IXORIX Corporation$33.05$36.69B
- FITBFifth Third Bancorp$50.43$35.64B
- SHGShinhan Financial Group Co., Ltd.$68.35$34.06B
- MTBM&T Bank Corporation$216.44$32.25B
Total assets
$119.1B
Total debt
$15.18B
Cash & equiv
$14.97B
Operating CF
$9.85B
Free cash flow
$9.85B
Buybacks
-$2.94B
Recent insiders
All →| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
Howse Curtis officer: See remarks | Sell | 8,436 | $645.78K | May 01, 2026 |
COVIELLO ARTHUR W JR director | Sell | 4,000 | $306.2K | May 01, 2026 |
Casellas Alberto officer: See remarks | Sell | 5,794 | $443.53K | May 01, 2026 |
Wenzel Brian J. Sr. officer: See remarks | Sell | 47,112 | $3.16M | Mar 03, 2026 |
Wenzel Brian J. Sr. officer: See remarks | Sell | 19,580 | $1.33M | Mar 02, 2026 |
Casellas Alberto officer: See remarks | Sell | 14,399 | $974.96K | Mar 02, 2026 |
Income statement · annual
5y| Period | Revenue | Op income | Net income | EPS | Net margin |
|---|---|---|---|---|---|
| FY 2025 | $19.12B | $4.62B | $3.55B | $9.29 | +18.58% |
| FY 2024 | $20.76B | $4.55B | $3.5B | $8.55 | +16.86% |
| FY 2023 | $17.34B | $2.9B | $2.24B | $5.19 | +12.91% |
| FY 2022 | $13.2B | $3.96B | $3.02B | $6.15 | +22.86% |
| FY 2021 | $11.22B | $5.5B | $4.22B | $7.34 | +37.61% |