Synchrony Financial
At today's price, Synchrony Financial (SYF) is priced for 17.5% return on equity. boothcheck doesn't publish a fair value or a price target; it shows what the price assumes, so you can judge whether that bar is too high. Built from SEC EDGAR filings.
• Synchrony is the store-card lender behind much of American retail: its 10-K names its ⟦"five largest programs based upon interest and fees on loans for the year ended December 31, 2025"⟧ as ⟦"Amazon, Lowe's, PayPal, Sam's Club and TJX Companies, Inc."⟧ (accession 0001601712-26-000006), and it just won back the Walmart program through OnePay. • The concentration that makes the model efficient is also the defining risk: losing any of those anchor partners moves the earnings base, and the book ru
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933 institutional managers reported holding SYF in 13F filings for the quarter ended 2026-03-31. 96 opened new positions that quarter. Held by Vanguard Group, Capital Group (American Funds), BlackRock, among others. On the short side, 21.2M shares were sold short as of the 2026-06-15 count, about 6% of shares outstanding (6.5 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
SYF has cut its share count 40.7% over the past five years, spending $11.57B on repurchases. It pays a dividend, and has for 10 years running, raised 4 years straight; the current rate is $1.15 a share annually. Cash returned over the past three years: $1.14B in dividends and $5.26B in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
No open-market insider buys on file at SYF over the trailing three years. Absence is a fact about the company, not a signal. 21 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
SYF's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-07-22 | +1.7% | -9.4% |
| 2023-10-25 | -3.2% | +38.4% |
| 2024-02-09 | +0.5% | +4.4% |
| 2024-04-26 | +4.3% | +5.7% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
SYF's latest 8-K filings: 2026-06-29 (items 5.02, 7.01, 9.01); 2026-06-25 (items 5.07, 9.01); 2026-06-09 (items 7.01, 9.01); 2026-06-05 (items 3.03, 5.03, 8.01, 9.01); 2026-05-15 (items 7.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Nothing here is investment advice.
Last analyzed: July 11, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.