NYSE · Finance

Synchrony Financial SYF

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 firms.

Finance: Consumer Services

Company profile

Business mix

  • The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
  • It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products.
  • In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels.
  • It 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.

Current key questions

  • Can asset growth, client flows, fee rates, credit quality, or spread income support durable earnings in credit services?
  • How sensitive are margins and returns to interest rates, market levels, funding costs, and regulation?
  • Do capital allocation, risk controls, and balance-sheet quality improve long-term per-share value?
Holders 1 Current sample portfolio
Public mentions 0 Videos / interviews / letters
Valuation snapshot
PE 7.31 FCF N/A Buyback 8.3%
2026-06-07

Current firm holders

Firm Weight Value Filing period
Oakmark / Harris Associates Bill Nygren 0.4% $316.9M 2026-03-31

Recent trading changes over the last 3 quarters

Net buyers 2 Last 3 13F filing periods
Net reducers 2 Last 3 13F filing periods
Unchanged holders 1 Share count unchanged
Increase amount $333.4M Estimated from net added shares
Reduction amount $169.9M Estimated from net reduced shares
Net share change / base shares +112.2% +2,593,793 / 2,312,461
Soros Fund Management George Soros 3 filing periods
13F 2025-09-30 Filed 2025-11-14
Major increase Shares 38.0% 13F value change +$3.6M
13F 2025-12-31 Filed 2026-02-13
Minor increase Shares 5.5% 13F value change +$2.7M
13F 2026-03-31 Filed 2026-05-15
Sold out Shares -100.0% 13F value change -$14.0M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 114,961 Last 3 periods -114,961 (-100.0%) Total shares 0 Value $0
Oakmark / Harris Associates Bill Nygren 1 filing periods
13F 2026-03-31 Filed 2026-05-15
New Shares - 13F value change +$316.9M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 0 Last 3 periods +4,659,001 (New) Total shares 4,659,001 Value $316.9M
Duquesne Family Office Stanley Druckenmiller 2 filing periods
13F 2025-09-30 Filed 2025-11-14
New Shares - 13F value change +$18,603
13F 2025-12-31 Filed 2026-02-17
Sold out Shares -100.0% 13F value change -$18,603
Settlement As of 13F 2025-12-31 · Filed 2026-02-17
Base shares 0 Last 3 periods +0 (New) Total shares 0 Value $0
Sachem Head Capital Management Scott Ferguson 3 filing periods
13F 2025-06-30 Filed 2025-08-14
Unchanged Shares 0.0% 13F value change $0
13F 2025-09-30 Filed 2025-11-14
Minor reduction Shares -0.1% 13F value change +$9.3M
13F 2025-12-31 Filed 2026-02-13
Sold out Shares -100.0% 13F value change -$156.0M
Settlement As of 13F 2025-12-31 · Filed 2026-02-13
Base shares 2,197,500 Last 3 periods -2,197,500 (-100.0%) Total shares 0 Value $0
Bridgewater Associates Ray Dalio 2 filing periods
13F 2025-03-31 Filed 2025-05-14
New Shares - 13F value change +$33.4M
13F 2025-06-30 Filed 2025-08-13
Major reduction Shares -60.8% 13F value change -$16.9M
Settlement As of 13F 2025-06-30 · Filed 2025-08-13
Base shares 0 Last 3 periods +247,253 (New) Total shares 247,253 Value $16.5M

Recent mentions

No public mentions.