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Upturn AI SWOT - About
SYF 
Synchrony Financial (SYF)
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Upturn Advisory Summary
10/17/2025: SYF (5-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $82.39
1 Year Target Price $82.39
| 9 | Strong Buy |
| 5 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 67.02% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.75B USD | Price to earnings Ratio 7.84 | 1Y Target Price 82.39 |
Price to earnings Ratio 7.84 | 1Y Target Price 82.39 | ||
Volume (30-day avg) 22 | Beta 1.5 | 52 Weeks Range 40.15 - 77.41 | Updated Date 10/19/2025 |
52 Weeks Range 40.15 - 77.41 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 1.21% | Basic EPS (TTM) 9.12 |
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 2.21 | Actual 2.86 |
Profitability
Profit Margin 37.07% | Operating Margin (TTM) 53.38% |
Management Effectiveness
Return on Assets (TTM) 3.03% | Return on Equity (TTM) 21.64% |
Valuation
Trailing PE 7.84 | Forward PE 7.86 | Enterprise Value 25158750208 | Price to Sales(TTM) 2.67 |
Enterprise Value 25158750208 | Price to Sales(TTM) 2.67 | ||
Enterprise Value to Revenue 2.7 | Enterprise Value to EBITDA - | Shares Outstanding 360100000 | Shares Floating 357867380 |
Shares Outstanding 360100000 | Shares Floating 357867380 | ||
Percent Insiders 0.31 | Percent Institutions 108.81 |
Upturn AI SWOT
Synchrony Financial
Company Overview
History and Background
Synchrony Financial was established in 2003 as GE Money Bank, a subsidiary of General Electric (GE). It became an independent publicly traded company in 2014 through an initial public offering (IPO). Over the years, it has focused on providing consumer financial services, particularly private label credit cards.
Core Business Areas
- Retail Card: Offers private label credit cards and Dual Card programs for national and regional retailers, providing financing options for their customers.
- Payment Solutions: Provides promotional financing for major purchases, such as furniture, appliances, and elective medical procedures.
- CareCredit: Offers financing options for health, wellness, beauty, and personal care procedures and services.
Leadership and Structure
Brian Doubles is the President and CEO. The company has a board of directors overseeing its operations. Its organizational structure is based on its core business segments, with centralized functions supporting each area.
Top Products and Market Share
Key Offerings
- CareCredit: A health and wellness credit card. Competitors include Wells Fargo Health Advantage and patient financing programs offered by various healthcare providers.
- Retail Card Programs: Private label credit cards offered in partnership with retailers. Synchrony is a leading provider of store-branded credit cards, generating a significant portion of its revenue through interest and fees. Competitors include Capital One, Citi, and Ally Financial. Precise market share data is difficult to obtain as contracts vary, but Synchrony is estimated to hold a substantial portion of the store credit card market.
- Gem Visa (Australia): A credit card offering rewards and benefits in Australia. Competitors include the local banks and other major credit card providers such as Mastercard and Visa.
- Payment Solutions: Installment loan and promotional financing options. Synchrony competes with other financial institutions offering personal loans and point-of-sale financing solutions. Competitors include Affirm, Klarna and PayPal.
Market Dynamics
Industry Overview
The consumer finance industry is dynamic, with increasing competition from fintech companies and evolving regulatory landscapes. Consumer spending patterns and economic conditions significantly impact the demand for credit products.
Positioning
Synchrony Financial is positioned as a leading provider of private label credit cards and payment solutions. Its competitive advantage lies in its long-standing partnerships with retailers and its ability to offer tailored financing programs. The company's competitive advantages stem from its established relationships with retailers, data analytics capabilities, and focus on customer experience.
Total Addressable Market (TAM)
The total addressable market for consumer lending is vast, estimated to be in the trillions of dollars. Synchrony is positioned within the retail credit and healthcare financing segments, capturing a portion of this TAM through its partnerships and specialized offerings.
Upturn SWOT Analysis
Strengths
- Strong partnerships with major retailers
- Extensive experience in consumer finance
- Focus on data analytics and customer insights
- Diversified portfolio of credit products
- Established CareCredit brand
Weaknesses
- Reliance on retail partnerships
- Sensitivity to economic downturns
- Exposure to regulatory changes
- Higher credit risk compared to traditional banks
- Dependence on promotional financing, which can fluctuate
Opportunities
- Expansion into new retail segments
- Growth in online and mobile payment solutions
- Increased demand for healthcare financing
- Strategic acquisitions and partnerships
- Growing popularity of BNPL (Buy Now Pay Later) in the short term
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic recession
- Changes in consumer spending habits
- Regulatory scrutiny of credit card practices
Competitors and Market Share
Key Competitors
- ALLY
- DFS
- COF
Competitive Landscape
Synchrony Financial competes with a range of financial institutions, including traditional banks, credit card companies, and fintech firms. Its competitive advantages include its partnerships with retailers, its data analytics capabilities, and its focus on customer experience. Disadvantages include reliance on retail partnerships and higher credit risk.
Major Acquisitions
Pets Best
- Year: 2019
- Acquisition Price (USD millions): 365
- Strategic Rationale: Expanding into the growing pet insurance market and leveraging CareCredit's financing options.
Growth Trajectory and Initiatives
Historical Growth: Synchrony Financial has experienced growth through strategic partnerships, new product launches, and acquisitions. Its growth has been tied to consumer spending and the overall economic environment.
Future Projections: Analyst estimates suggest continued growth for Synchrony Financial, driven by its focus on digital innovation and expansion into new markets. The company's future success will depend on its ability to adapt to changing consumer preferences and competitive pressures.
Recent Initiatives: Recent initiatives include investments in digital payment solutions, enhancements to its CareCredit platform, and expansion into new retail partnerships.
Summary
Synchrony Financial is a stable company with strong retail partnerships that enable it to provide a large amount of store credit cards to consumers. Its diverse offerings allow it to stay ahead of potential revenue dry up, but this is also a threat that it needs to address. Diversification is good, but it makes it more sensitive to economic downturns and regulations. It also has to face the challenges of Fintech companies that are becoming increasingly prevalent in the financial industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Investor Presentations
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Synchrony Financial
Exchange NYSE | Headquaters Stamford, CT, United States | ||
IPO Launch date 2014-07-31 | President, CEO & Director Mr. Brian D. Doubles | ||
Sector Financial Services | Industry Credit Services | Full time employees 20000 | Website https://www.synchrony.com |
Full time employees 20000 | Website https://www.synchrony.com | ||
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
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