Synchrony Financial(SYF)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
SYF Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Synchrony Financial (SYF), a Financials sector company. SYF is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Synchrony Financial reports quarterly revenue of $4.8B, net income of $805.0M, an operating margin of 22.0%. Top institutional holders of SYF by reported 13-F value include Capital World Investors, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. SYF trades on the NYSE exchange and files with the SEC under CIK 1601712. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SYF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Synchrony Financial directly from SEC EDGAR.
Revenue
Q1 2026
$4.8B
Net Income
Q1 2026
$805.0M
Free Cash Flow
Q1 2026
$2.2B
Operating Margin
Q1 2026
22.0%
D/E Ratio
Q1 2026
1.00
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+1.5% YoYEPS (Diluted)
+8.5% YoYTotal Assets
-0.3% YoYTotal Debt
-1.8% YoYOp. Cash Flow
+0.0% YoY| Metric | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2020 | FY 2018 |
|---|---|---|---|---|---|---|
| Net Income | $3.55B +1.5% | $3.50B +16.0% | $3.02B -28.5% | $4.22B +204.8% | $1.39B -50.4% | $2.79B |
| EPS (Diluted) | $9.28 +8.5% | $8.55 +39.0% | $6.15 -16.2% | $7.34 +223.3% | $2.27 -39.3% | $3.74 |
| Total Assets | $119.09B -0.3% | $119.46B +14.2% | $104.56B +9.2% | $95.75B -0.2% | $95.95B -10.2% | $106.79B |
| Total Debt | $15.18B -1.8% | $15.46B +9.0% | $14.19B -2.2% | $14.51B -8.0% | $15.78B -34.3% | $24.00B |
| Operating Cash Flow | $9.85B +0.0% | $9.85B +47.1% | $6.69B -5.7% | $7.10B -5.2% | $7.49B -19.9% | $9.34B |
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Available Research
13F Pro tracks comprehensive data for Synchrony Financial including:
Top Institutional Holders of SYF
Capital World Investors
$2.3B33,796,907 shBlackRock, Inc.
$2.1B30,479,074 shVANGUARD CAPITAL MANAGEMENT LLC
$1.5B22,597,816 shVANGUARD PORTFOLIO MANAGEMENT LLC
$1.3B18,504,717 shSTATE STREET CORP
$1.2B17,724,629 shBANK OF AMERICA CORP /DE/
$1.1B16,064,618 shGEODE CAPITAL MANAGEMENT, LLC
$683.3M9,948,699 shGOLDMAN SACHS GROUP INC
$652.6M9,594,463 shPAR CAPITAL MANAGEMENT INC
$517.8M7,612,137 shDIMENSIONAL FUND ADVISORS LP
$410.8M6,039,753 sh
| Fund | Value | Shares |
|---|---|---|
| Capital World Investors | $2.3B | 33,796,907 |
| BlackRock, Inc. | $2.1B | 30,479,074 |
| VANGUARD CAPITAL MANAGEMENT LLC | $1.5B | 22,597,816 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1.3B | 18,504,717 |
| STATE STREET CORP | $1.2B | 17,724,629 |
| BANK OF AMERICA CORP /DE/ | $1.1B | 16,064,618 |
| GEODE CAPITAL MANAGEMENT, LLC | $683.3M | 9,948,699 |
| GOLDMAN SACHS GROUP INC | $652.6M | 9,594,463 |
| PAR CAPITAL MANAGEMENT INC | $517.8M | 7,612,137 |
| DIMENSIONAL FUND ADVISORS LP | $410.8M | 6,039,753 |
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Popular Research
Is SYF a good stock to buy?
13F Pro's AI-powered analysis of Synchrony Financial (SYF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SYF are available on the SYF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SYF?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SYF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Synchrony Financial's investment landscape.