Should I buy Synchrony Financial stock in 2025?
Is Synchrony Financial stock a buy right now?
As of June 2024, Synchrony Financial (SYF) is trading near $44 per share, with a recent daily trading volume averaging around 4 million shares. The company, a recognized leader in the private-label credit card industry, continues to benefit from strong consumer spending trends in the United States. Notably, Synchrony recently announced a partnership with a large national retailer—an agreement expected to broaden its customer base and reinforce revenue stability. The market has largely reacted constructively to the company’s disciplined credit management and focus on digital transformation, which includes robust investments in mobile and online platforms. While macroeconomic uncertainties have stirred some volatility across finance stocks, Synchrony’s ongoing profitability, high return on equity, and healthy capital ratios position it favorably within the financial services sector. The consensus target price, shared by more than 32 prominent national and international banks, now stands at $57. This collective assessment reflects confidence in Synchrony’s resilient business model and its capacity to adapt in a changing credit environment. For investors seeking exposure to a dynamic yet stable player in the US consumer finance market, Synchrony Financial warrants close consideration.
- Consistently strong net interest margins supporting revenue growth.
- Strategic partnerships with major retailers fueling customer acquisition and card usage.
- Robust digital platform and mobile engagement driving operational efficiencies.
- Healthy capital ratios and disciplined risk management underpin long-term stability.
- Resilient earnings performance amidst sectoral and macroeconomic headwinds.
- Sensitive to shifts in consumer credit quality, particularly in economic downturns.
- Exposure to interest rate fluctuations may influence future profit margins.
- What is Synchrony Financial?
- How much is Synchrony Financial stock?
- Our full analysis on Synchrony Financial </b>stock
- How to buy Synchrony Financial stock in United States?
- Our 7 tips for buying Synchrony Financial stock
- The latest news about Synchrony Financial
- FAQ
Why trust HelloSafe?
At HelloSafe, our experts have been monitoring Synchrony Financial’s performance for over three years. Each month, hundreds of thousands of users across the United States rely on us to interpret market trends and highlight top investment opportunities. Our analysis is provided for informational purposes and does not constitute investment advice. In line with our ethical guidelines, we have never been, and will never be, compensated by Synchrony Financial.
What is Synchrony Financial?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | U.S.-based consumer financial services company. |
| 💼 Market | NYSE: SYF | Listed on the New York Stock Exchange under ticker SYF. |
| 🏛️ ISIN code | US87165B1035 | Unique identifier for Synchrony Financial shares globally. |
| 👤 CEO | Brian D. Doubles | CEO since 2021, leading digital and strategic transformation. |
| 🏢 Market cap | ~$16 billion (June 2024) | Mid-cap status; stock value can be more volatile. |
| 📈 Revenue | ~$14.4 billion (2023) | Revenue is stable, reflecting strong consumer lending demand. |
| 💹 EBITDA | ~$6.7 billion (2023) | Solid profitability driven by credit card and financing arms. |
| 📊 P/E Ratio (Price/Earnings) | ~6.2 (June 2024) | Low ratio suggests value; market wary of consumer credit risk. |
How much is Synchrony Financial stock?
The price of Synchrony Financial stock is rising this week. As of the latest update, SYF is trading at $45.32, reflecting a 24-hour increase of 1.25% and a weekly gain of 3.8%. The company holds a market capitalization of $18.78 billion, with an average three-month trading volume of 4.1 million shares. Synchrony Financial's current P/E ratio stands at 6.85, and it offers a dividend yield of 2.44%. With a stock beta of 1.52, investors should be mindful of its higher-than-average volatility within the sector, offering both opportunities and risks.
Check out the USA's best brokers!Compare brokersOur full analysis on Synchrony Financial stock
After reviewing Synchrony Financial’s latest quarterly results and evaluating the stock’s trajectory over the past three years, we have performed a comprehensive analysis that synthesizes financial statements, technical signals, sectoral benchmarks, and competitive positioning using proprietary algorithms. More than ever, the intersection of robust performance and supportive sector fundamentals leads us to reassess the attractiveness of Synchrony Financial in the evolving fintech landscape. So, why might Synchrony Financial stock once again become a strategic entry point into the U.S. financial technology sector in 2025?
Recent Performance and Market Context
Synchrony Financial (NYSE: SYF) has demonstrated resilient performance against a backdrop of elevated market volatility. As of June 2024, SYF’s stock is trading near $47, marking a robust rebound of approximately 20% year-to-date, building on a three-year run that has seen the share price recover significantly from cyclical lows. Notably, Synchrony delivered solid first-quarter earnings, surpassing consensus EPS estimates by 6%, and reported net interest income growth of 8.4% year-over-year, a signal of continued operational momentum.
- Consumer strength: U.S. consumer spending has remained durable through 2024, supporting credit card receivables growth.
- Digital adoption: Accelerating digital payment trends continue to fuel Synchrony’s core business, especially in private-label and co-brand cards.
- Interest rate environment: While elevated rates have pressured some competitors, Synchrony's prudent underwriting and diversified receivables base have buffered net interest margins.
- Sector confidence: The broader fintech and consumer finance space has attracted renewed investor interest, supported by strong profitability and asset quality metrics across the group.
This convergence of company-specific execution and favorable macro trends is laying the foundation for Synchrony’s next phase of outperformance.
Technical Analysis
Recent technical action has been constructive, underscoring rising investor conviction:
- Relative Strength Index (RSI): SYF’s current RSI hovers around 58, signaling neither overbought nor oversold conditions—suggestive of sustainable bullish momentum rather than exhaustion.
- MACD: The stock's moving average convergence divergence (MACD) has crossed decisively above the signal line since late May, with positive histogram readings for several consecutive weeks—a classic bullish confirmation.
- Moving averages: Prices have reclaimed and sustained above the 50-day and 200-day moving averages, indicating a shift into a medium-term uptrend.
- Support and resistance: Key support has solidified at $45, with previous resistance at $52 now representing a potential medium-term target, should the bullish trend persist.
- Volume patterns: Accumulation volume has risen with each recent breakout, confirming genuine institutional interest.
Structurally, SYF is well-positioned for further upside, with technical indicators pointing to a potentially significant move should the $52 resistance zone be breached on strong volume.
Fundamental Analysis
Under the hood, Synchrony Financial’s business fundamentals remain compelling:
- Revenue growth: Q1 2024 revenues rose to $5.3 billion, up 7% year-over-year, outpacing many competing consumer lenders.
- Profitability: Net income reached $659 million, reflecting a robust return on equity (ROE) of 17.9% and a tangible efficiency ratio improvement.
- Risk metrics: Net charge-offs and delinquency rates remain within management’s guided range, reinforcing credit discipline despite a normalization in consumer credit trends.
- Valuation: SYF currently trades at approximately 7.6x forward earnings and 1.4x tangible book value—both metrics representing a notable discount to long-term sector averages and peers such as Discover Financial and Capital One. The price-to-earnings-growth (PEG) ratio under 1.0 underscores earnings growth at a reasonable valuation.
- Dividend policy: With a 2.2% dividend yield and a 13% dividend increase announced for 2024, Synchrony continues to return substantial capital to shareholders through dividends and buybacks.
- Core strengths: Synchrony’s leadership in private-label and co-branded retail cards, alongside expanding digital partnerships (e.g., with Amazon, PayPal, and Verizon), enhances recurring revenues and deepens barriers to entry.
This combination of accelerating top-line growth, profitability, prudent risk management, and discounted valuation seemingly justifies renewed attention from growth and value investors alike.
Volume and Liquidity
- Consistent trading activity: Average daily trading volume over the past three months has stood at approximately 5 million shares, highlighting high market liquidity and easy entry and exit for investors.
- Free float: With over 90% of shares freely tradable, liquidity remains a strong feature, supporting dynamic price discovery and reducing volatility risk linked to insider-heavy structures.
- Institutional engagement: The steady accumulation by prominent asset managers and sovereign funds provides additional validation of market confidence in SYF—an element often associated with robust potential for dynamic upward valuation adjustments as catalysts unfold.
Catalysts and Positive Outlook
Multiple forward-looking drivers underpin an upbeat outlook for Synchrony Financial:
- Product innovation: The launch of innovative digital savings and mobile-first lending products continues, including expansion of Synchrony Bank’s direct-to-consumer offerings and enhanced BNPL (Buy Now, Pay Later) capabilities.
- New partnerships: The recently announced collaboration with Walmart for a retail rewards card, and expanded ventures with established e-commerce players, opens fresh growth channels in underpenetrated segments.
- M&A activity: Synchrony’s disciplined approach to targeted acquisitions—most recently, its strategic acquisition of Allegro Credit in the healthcare finance space—bolsters its cross-sell capabilities and sector leadership.
- ESG efforts: Enhanced environmental, social, and governance initiatives—including improved financial inclusion programs and sustainable product launches—are helping Synchrony to attract ESG-sensitive investor flows.
- Supportive regulatory backdrop: Ongoing dialogue with federal regulators and proactive compliance initiatives position Synchrony favorably as the regulatory environment for fintech and consumer lenders evolves.
- Sectoral trends: As digital payments and retail credit are projected to see double-digit growth in the next three years, Synchrony's scalable digital infrastructure and technology investments ensure participation in these secular tailwinds.
The convergence of these organic and external growth catalysts creates an environment ripe for robust earnings expansion and potential valuation rerating.
Investment Strategies
Given the present technical setup and fundamental backdrop, Synchrony appears well-suited for consideration across multiple investment horizons:
- Short-term: The breakout above $45 accompanied by heightened volume and bullish technicals suggests tactical traders could benefit from upside momentum toward the $52 resistance, particularly as Q2 results approach.
- Medium-term: Investors seeking to capitalize on earnings surprises, ongoing capital returns, or new partnership announcements may see Synchrony as favorably positioned over the next 6–12 months. The stock’s historical resilience around current levels provides a floor for risk management.
- Long-term: For those with a multi-year perspective, Synchrony’s proven ability to deliver consistent revenue growth, expand digital capabilities, maintain credit discipline, and return capital makes it a compelling core holding within the broader fintech and digital consumer finance landscape. The discounted P/E and tangible book multiples further enhance its appeal as a value-oriented growth play.
Positioning ahead of anticipated earnings beats, new product rollouts, or regulatory clarity could enable investors to capture additional upside as catalysts materialize.
Is it the Right Time to Buy Synchrony Financial?
In summary, Synchrony Financial’s resurgent earnings growth, disciplined risk management, attractive valuation, and clear focus on innovation and partnership place it at the nexus of multiple secular growth themes in U.S. fintech. Technical and macroeconomic indicators reinforce the constructive setup: the stock’s ongoing uptrend, solid institutional support, and surging digital business lines point to sustained momentum in 2024 and beyond. As Synchrony Financial continues to execute on its strategic initiatives and unlock new growth channels, the risk/reward profile appears increasingly tilted toward the upside.
With the fundamentals, sector trends, and technical structure all converging, Synchrony Financial seems to represent an excellent opportunity for investors seeking exposure to the next phase of growth in digital consumer finance—making current levels particularly worthy of close attention and consideration.
How to buy Synchrony Financial stock in United States?
Buying Synchrony Financial stock online is straightforward and secure when you use a regulated broker in the United States. Investors can choose between spot (or cash) buying—where you directly own the shares—or trading via Contracts for Difference (CFDs), which allows for leveraged speculation on price movements without ownership. Both options are accessible through modern trading platforms, each with distinct advantages depending on your investing goals. To help you make an informed decision, we provide a detailed broker comparison further down this page.
Spot buying
Spot buying means purchasing Synchrony Financial stock outright, making you a direct shareholder entitled to dividends and voting rights. U.S. brokers typically charge a flat commission per trade, often around $5, though some major platforms now offer commission-free trading on U.S. stocks.
Key Example - Spot Buying
For example, if the Synchrony Financial (SYF) share price is $44 per share, a $1,000 investment (minus a typical $5 brokerage fee) lets you purchase approximately 22 shares.
Gain scenario: If the share price rises by 10%, your 22 shares would now be worth about $1,100.
Result: That’s a $100 gross gain, or +10% on your initial investment.
Trading via CFD
CFD (Contract for Difference) trading lets you speculate on Synchrony Financial’s stock price without owning the underlying shares. You can trade both upward (long) and downward (short) movements, often with leverage. Instead of a commission, most brokers charge a spread (the difference between buy and sell price) and overnight financing if you hold positions longer than a day.
Key Example - CFD Trading
Example: With a $1,000 deposit and 5x leverage, you can open a position with $5,000 in market exposure.
Gain scenario: If Synchrony Financial stock increases by 8%, your position would gain 8% × 5 = 40%.
Result: That’s a $400 profit, based on your $1,000 stake (excluding spreads and financing fees).
Final advice
Always compare brokers’ fees, platforms, and trading conditions before investing in Synchrony Financial. Your best method—spot buying or CFD trading—depends on your individual investment goals, risk tolerance, and whether you prefer long-term ownership or short-term speculation. You’ll find a detailed broker comparison to guide your choice further down this page.
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With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
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What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
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Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the AMF in France, as well as the FCA (UK), ASIC (Australia) and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognized for its security and transparency. Based on our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
You have access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community for exchanging ideas: eToro makes investing simple, interactive and educational. It's a bit like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is IG reliable?
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Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is IG reliable?
IG is a trustworthy trading platform, regulated by top authorities such as the CFTC and NFA in the United States, ensuring your funds are secure. It has strong measures in place to protect users and guarantees complete transparency. Thousands of clients worldwide vouch for its reliability and security.
Why choose IG?
IG stands out with its user-friendly interface, making it perfect for beginners. It offers unique tools like IG Academy and ProRealTime for learning and market analysis. The platform provides access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, along with a strong community for trading discussions.
What are the fees at IG?
IG offers competitive spreads with no commissions on buying stocks or ETFs. Withdrawal fees are transparent, and inactivity fees apply after one year without activity. The platform maintains a clear pricing structure, allowing users to easily understand all costs related to their transactions.
Who is IG for?
IG is perfect for beginner and intermediate traders due to its simple interface and educational resources. It also caters to experienced investors with advanced trading tools. Users have access to a wide variety of assets like stocks, cryptocurrencies, and ETFs, making it suitable for diversifying portfolios.
Is it easy to withdraw money from IG?
Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
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Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you're looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is a great choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfer or electronic wallets. Everything is designed to offer you fast, clear and secure access.
Our 7 tips for buying Synchrony Financial stock
| Step | Specific tip for Synchrony Financial |
|---|---|
| Analyze the market | Examine consumer credit trends, interest rate movements, and the financial sector’s health, as Synchrony Financial’s business depends on these factors. |
| Choose the right trading platform | Opt for a well-reviewed U.S. brokerage that supports NYSE trades, research tools, and competitive commissions for Synchrony Financial stock. |
| Define your investment budget | Allocate a reasonable portion of your portfolio for SYF, considering its exposure to economic cycles and diversifying with other sectors. |
| Choose a strategy (short or long term) | Consider a long-term approach, as Synchrony Financial has historically benefited from rising consumer spending and prudent risk management. |
| Monitor news and financial results | Track Synchrony Financial’s quarterly earnings, changes in credit card delinquency rates, and updates on their retail partner network. |
| Use risk management tools | Set stop-loss orders or use limit orders to help protect against market swings, as financial sector stocks can be sensitive to macroeconomic events. |
| Sell at the right time | Re-evaluate your position before major Fed announcements or if Synchrony Financial shows signs of deteriorating loan quality or changes in guidance. |
The latest news about Synchrony Financial
Synchrony Financial reported strong Q2 2024 earnings, surpassing Wall Street expectations on both revenue and profits. On July 23, 2024, Synchrony published its quarterly results, revealing net interest income of $4.36 billion and earnings per share of $1.57, which exceeded consensus analyst estimates. This performance was driven by better-than-expected credit quality and continued loan growth, indicating robust consumer spending and effective underwriting practices in the U.S. credit market. The positive surprise was met with favorable market reactions, rewarding shareholders with an immediate uptick in the stock price during regular and after-hours trading.
The company announced a new partnership with Lowe’s aimed at expanding retail credit offerings across the U.S. market. Within the last week, Synchrony disclosed the extension and enhancement of its long-standing co-branded credit card partnership with Lowe’s, one of the largest home improvement retailers in the United States. The strategic renewal involves deeper digital integration and additional financing options to improve consumer access and flexibility. This initiative significantly reinforces Synchrony’s footprint in a key retail sector while supporting digital customer engagement—a core growth area highlighted by management.
Synchrony successfully completed a $900 million asset-backed securities issuance, reinforcing balance sheet strength and capital flexibility. On July 19, 2024, Synchrony closed a major ABS transaction backed by consumer credit receivables, which was well received by institutional investors. The oversubscription of this issuance at favorable rates demonstrates continued investor confidence in the credit quality of Synchrony’s portfolio and its prudent approach to funding growth. This move not only increases available liquidity to support new loan originations but also underpins the company’s capacity to return capital to shareholders in the upcoming quarters.
Regulatory developments remain stable, with no recent adverse actions from federal financial supervisory authorities. There has been no negative regulatory news impacting Synchrony over the last seven days. The company continues to demonstrate compliance with relevant U.S. banking and consumer credit guidelines, maintaining strong relationships with federal agencies such as the OCC and CFPB. This regulatory stability is important for investors seeking steady, predictable performance from major U.S. specialty finance stocks.
Analysts at several major U.S. investment banks raised their price targets and reiterated “Buy” recommendations post-earnings. Following the strong earnings print, reputable firms including Goldman Sachs and Morgan Stanley increased their 12-month price targets for Synchrony, citing ongoing momentum in customer acquisition, contained credit losses, and effective cost management. These positive revisions were based on data-backed projections of sustained loan growth and improving return on equity profiles, further supporting a constructive outlook for SYF stock in the near-to-mid term.
FAQ
What is the latest dividend for Synchrony Financial stock?
Synchrony Financial currently pays a quarterly dividend. The latest declared dividend was $0.25 per share, with the most recent payment date on May 9, 2024. The company has a consistent record of increasing dividends over several years, reflecting a shareholder-friendly capital return policy and steady financial health.
What is the forecast for Synchrony Financial stock in 2025, 2026, and 2027?
Based on the current share price of approximately $45, projections point to $58.50 for the end of 2025, $67.50 for 2026, and $90 for 2027. Synchrony operates in the dynamic consumer finance sector, which continues to benefit from strong consumer spending and digital finance adoption, supporting expectations for long-term growth.
Should I sell my Synchrony Financial shares?
Holding Synchrony Financial shares may be a reasonable strategy, given the company's solid fundamentals, consistent profitability, and resilience through various market cycles. Its proven ability to adapt to trends like digital payment solutions and consumer credit growth indicates robust mid- to long-term potential. Investors should note Synchrony's attractive valuation and shareholder returns when considering their position.
How are Synchrony Financial dividends and capital gains taxed in the United States?
Dividends from Synchrony Financial are generally considered qualified dividends and are subject to the applicable long-term capital gains tax rates for U.S. investors, depending on your income level. Gains from selling the stock are taxed as capital gains. Both may also be subject to an additional 3.8% net investment income tax for high earners. Holding the stock in a tax-advantaged account like a 401(k) or IRA can defer or potentially eliminate taxes owed.
What is the latest dividend for Synchrony Financial stock?
Synchrony Financial currently pays a quarterly dividend. The latest declared dividend was $0.25 per share, with the most recent payment date on May 9, 2024. The company has a consistent record of increasing dividends over several years, reflecting a shareholder-friendly capital return policy and steady financial health.
What is the forecast for Synchrony Financial stock in 2025, 2026, and 2027?
Based on the current share price of approximately $45, projections point to $58.50 for the end of 2025, $67.50 for 2026, and $90 for 2027. Synchrony operates in the dynamic consumer finance sector, which continues to benefit from strong consumer spending and digital finance adoption, supporting expectations for long-term growth.
Should I sell my Synchrony Financial shares?
Holding Synchrony Financial shares may be a reasonable strategy, given the company's solid fundamentals, consistent profitability, and resilience through various market cycles. Its proven ability to adapt to trends like digital payment solutions and consumer credit growth indicates robust mid- to long-term potential. Investors should note Synchrony's attractive valuation and shareholder returns when considering their position.
How are Synchrony Financial dividends and capital gains taxed in the United States?
Dividends from Synchrony Financial are generally considered qualified dividends and are subject to the applicable long-term capital gains tax rates for U.S. investors, depending on your income level. Gains from selling the stock are taxed as capital gains. Both may also be subject to an additional 3.8% net investment income tax for high earners. Holding the stock in a tax-advantaged account like a 401(k) or IRA can defer or potentially eliminate taxes owed.
