OakChart

Synchrony Financial

SYFFinancial·Credit Services·USA·Large·NYSE·Nov 11 • 1:15 PM ET

71.62-0.08 (-0.11%)
2026-11-11 19:15 CET
Market cap
22,327.74 USD m
Revenue, TTM
18,922.00 USD m
Net income, TTM
3,242.00 USD m
Free cash flow, TTM
9,555.00 USD m
EPS diluted, TTM
9.57
P/E
7.48
Compare

Price

SYF against its 20, 50 and 200-day averages
2050200beat
70.0075.0080.004.7M9.4MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26SYFclose 71.6220-day 74.3550-day 74.21200-day 73.4871.62

19.3% under the 52-week high of 88.77 on 9 Jan 2026. 52-week low 63.08 on 12 Mar 2026. Last 15 sessions, 11.3% high to low

Profile

SYF
52-week range, 33% of the way up
63.0888.77

Synchrony Financial engages in the provision of consumer financial services. It focuses on digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and other industries. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

IndexS&P 500, RUI
Employees20000
IPOJul 31, 2014
Beta1.40
ATR, 14d2.39
Rel volume1.11
Short float5.59%
Insider own0.54%
Inst own113.24%

Snapshot

6 groups

Valuation

IndexS&P 500, RUI
Market Cap22.30B
Enterprise Value25.14B
Income3.24B
Sales18.92B
Book/sh47.70
Cash/sh51.06
Dividend Est.1.28 (1.79%)
Dividend TTM1.28 (1.79%)
Dividend Ex-DateNov 05, 2026
Dividend Gr. 3/5Y8.51% 5.50%
Payout12.40%
Employees20000
IPOJul 31, 2014

Ratios

P/E7.48
Forward P/E6.87
PEG0.85
P/S1.18
P/B1.50
P/C1.40
P/FCF2.33
EV/EBITDA2.32
EV/Sales1.33
Quick Ratio2.89
Current Ratio2.89
Debt/Eq1.03
LT Debt/Eq0.70
Option/ShortYes / Yes

Earnings

EPS (ttm)9.57
EPS next Y10.42
EPS next Q1.97
EPS this Y2.40%
EPS next Y9.66%
EPS next 5Y8.12%
EPS past 3/5Y14.68% 32.48%
Sales past 3/5Y13.15% 8.31%
EPS Y/Y TTM4.62%
Sales Y/Y TTM-1.80%
EPS Q/Q-6.22%
Sales Q/Q-0.77%
EarningsOct 20 BMO
EPS/Sales Surpr.10.68% 0.29%

Ownership

Insider Own0.54%
Insider Trans-3.56%
Inst Own113.24%
Inst Trans-3.31%
ROA2.78%
ROE19.83%
ROIC11.87%
Gross Margin81.52%
Oper. Margin27.35%
Profit Margin17.13%
SMA20-3.67%
SMA50-3.49%
SMA200-2.54%
Trades-

Technical

Shs Outstand311.00M
Shs Float309.73M
Short Float5.59%
Short Ratio4.97
Short Interest17.31M
52W High88.77 -19.32%
52W Low63.08 13.54%
Volatility4.83% 3.03%
ATR (14)2.39
RSI (14)39.54
Beta1.40
Rel Volume1.11
Avg Volume3.48M
Volume2,315,435

Performance

Perf Week-4.54%
Perf Month-2.68%
Perf Quarter-10.56%
Perf Half Y2.59%
Perf YTD-14.16%
Perf Year-3.76%
Perf 3Y142.20%
Perf 5Y44.08%
Perf 10Y120.50%
Recom2.00
Target Price86.52
Prev Close71.70
Price71.62
Change %-0.11%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 21, 2026DowngradeEEvercore ISIOutperform → In-line$78+8.9%
Oct 09, 2026InitiatedBBMO Capital MarketsMarket Perform$81+13.1%
May 22, 2026InitiatedLLoop CapitalHold$81+13.1%
Apr 22, 2026DowngradeBBTIG ResearchBuy → Neutral
Feb 13, 2026UpgradeRRobert W. BairdNeutral → Outperform$83+15.9%
Jan 28, 2026UpgradeCCompass PointNeutral → Buy$96+34.0%
Dec 08, 2025ResumedWWolfe ResearchOutperform$92+28.5%
Dec 05, 2025DowngradeRRobert W. BairdOutperform → Neutral$82+14.5%
Oct 10, 2025UpgradeHHSBC SecuritiesHold → Buy$81+13.1%
Oct 07, 2025DowngradeJJP MorganOverweight → Neutral$75+4.7%

Peers

Mkt cap
TickerCompanyMkt cap
BFHBread Financial Holdings Inc3.67B
COFCapital One Financial Corp117.99B
AFRMAffirm Holdings Inc23.31B
AXPAmerican Express Co215.50B
ALLYAlly Financial Inc11.43B
SOFISoFi Technologies Inc21.44B
ATLCAtlanticus Holdings Corp1.26B
KLARKlarna Group plc7.64B
CCitigroup Inc208.64B
PYPLPayPal Holdings Inc49.02B

Insider trading

latest 14 of 56
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Casellas AlbertoSee remarksAug 13 '26Option Exercise33.535,456182,94055,968Aug 17 04:03 PM
Casellas AlbertoSee remarksAug 13 '26Sale80.005,456436,48050,512Aug 17 04:03 PM
Casellas AlbertoOfficerAug 13 '26Proposed Sale80.005,456436,480Aug 13 11:55 AM
Owens DarrellSee remarksAug 03 '26Sale76.7361046,80516,410Aug 04 04:08 PM
Gentleman CourtneySee remarksAug 03 '26Sale76.7372155,32218,620Aug 04 04:08 PM
COVIELLO ARTHUR W JRDirectorAug 03 '26Sale77.174,000308,68026,144Aug 04 04:08 PM
COVIELLO ARTHUR W JRDirectorAug 03 '26Proposed Sale75.794,000303,160Aug 03 01:41 PM
Owens DarrellOfficerAug 03 '26Proposed Sale76.7361046,805Aug 03 11:31 AM
Gentleman CourtneyOfficerAug 03 '26Proposed Sale76.7372155,322Aug 03 11:20 AM
MOTHNER JONATHAN SSee remarksMay 15 '26Option Exercise34.3011,258386,149143,922May 19 04:23 PM
MOTHNER JONATHAN SSee remarksMay 15 '26Sale71.2351,2583,651,107132,664May 19 04:23 PM
MOTHNER JONATHAN SOfficerMay 15 '26Proposed Sale71.2351,2583,651,107May 15 09:41 AM
Howse CurtisSee remarksMay 01 '26Sale76.558,436645,77686,437May 05 04:21 PM
COVIELLO ARTHUR W JRDirectorMay 01 '26Sale76.554,000306,20029,341May 05 04:20 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VOOVanguard S&P 500 ETFAUM: 1054.75B
VOVanguard Morningstar Mid-Cap ETFAUM: 107.07B
RDVYFirst Trust Rising Dividend Achievers ETFAUM: 25.61B
IVViShares Core S&P 500 ETFAUM: 871.38B
SPYSPDR S&P 500 ETF TrustAUM: 793.23B
VTVVanguard Morningstar Value ETFAUM: 196.23B
RSPInvesco S&P 500 Equal Weight ETFAUM: 104.94B
XLFState Street Financial Select Sector SPDR ETFAUM: 54.05B
VOEVanguard Morningstar Mid-Cap Value ETFAUM: 24.66B

News

latest 14 of 200
  • Shoppers Are Making Their Lists and Checking Their Favorite Retailers First (PR Newswire)
  • Synchrony to Participate in the KBW Fintech Ecosystem Conference and the TD Cowen 2026 Financials & Fintech Conference (PR Newswire)
  • CareCredit and Clarus Make Checkout Simpler for Veterinary Practices with Real-Time Eligibility Insights for Insurance and Financing Options (PR Newswire)
  • AI-Powered Credit: ChargeAfter CEO & Founder Meidad Sharon, Live from Money 20/20 2026 (Exec Edge)
  • With a Fed Decision a Week Away, Lenders Show How Borrowers Are Handling Higher Rates (PR Newswire)
  • CareCredit Introduces CareCredit Pay Later, Offering Consumers Another Way to Plan and Pay for Health and Wellness Care (PR Newswire)
  • Synchrony Financial Profit Falls on Higher Costs but Credit Trends Improve (The Wall Street Journal)
  • Synchrony: Q3 Earnings Snapshot (Associated Press)
  • Synchrony Reports Third Quarter 2026 Results (PR Newswire)
  • Weave and CareCredit Go Live with Integration That Places Patient Financing Inside the Front-Office Workflow (Business Wire)
  • CareCredit Partners with Vetspire to Modernize Veterinary Payments with AI-Enabled Practice Solutions (PR Newswire)
  • Synchrony and Oxford Economics Find Trust Will Define the Future of AI Shopping (PR Newswire)
  • Synchrony to Announce Third Quarter 2026 Financial Results on October 20, 2026 (PR Newswire)
  • Intelibly Partners with Synchrony to Streamline Dental Financing Through CareCredit (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-202.6802.4222.6803,8183,80721
2026Q22026-07-212.5902.1372.5863,7133,72521
2026Q12026-04-212.2702.1992.2663,7023,78821
2025Q42026-01-272.0402.0482.0413,7933,83920
2025Q32025-10-152.8602.2632.8583,8233,79720
2025Q22025-07-222.5001.8172.4953,6473,70719
2025Q12025-04-221.8901.6751.8903,7183,77518
2024Q42025-01-281.9101.9301.9073,8013,82920
2024Q32024-10-161.9401.8081.9373,8143,76119
2024Q22024-07-171.5501.3471.5503,7123,67520
2024Q12024-04-241.1801.3393.1414,7983,89418
2023Q42024-01-231.0300.9321.0353,6593,53720
2023Q32023-10-241.4801.4351.4773,4753,38217
2023Q22023-07-181.3201.2451.3183,2943,24117
2023Q12023-04-191.3501.4251.3503,1993,13819
2022Q42023-01-231.2601.1131.2633,0933,05019

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY3.7403.5713.74013,28413,174
2019FY4.3904.2665.56413,31213,373
2020FY2.2702.0202.27311,16211,194
2021FY7.3407.2217.34110,19210,054
2022FY6.1505.9606.15211,67411,589
2023FY5.1905.0855.18513,62713,510
2024FY6.5806.6368.55516,12515,733
2025FY9.2809.3159.28714,98115,032
2026FY-9.503--15,134
2027FY-10.421--15,945
2028FY-11.728--16,718
2029FY-12.800--16,822

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0911323,9053,8284,046
2026Q4S2026-10-3011323,9053,8284,046
2026Q4S2026-10-2611223,9013,8284,046
2026Q4S2026-10-2112223,9063,8184,046
2026Q4S2026-10-2012223,9073,8184,046
2026Q4S2026-10-1712013,9223,8404,029
2026Q4S2026-10-1012023,9223,8404,029
2026Q4S2026-10-0712033,9223,8404,029
2026Q4S2026-10-0611033,9123,8404,004
2026Q4S2026-10-0511033,9133,8404,004
2026Q4S2026-10-0411033,9123,8404,004
2026Q4S2026-10-0311053,9123,8404,004
2026Q4S2026-10-0211063,9123,8404,004
2026Q4S2026-09-2911063,9183,8504,004

Estimate history

EPS, annual2.423.745.5642.2737.3416.1525.1858.5559.2789.5732
Period201720182019202020212022202320242025TTM
EPS, quarterly1.9371.9071.892.4952.8582.0412.2662.5862.68
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual13758151541560312827112241319517338207591911618922
Period201720182019202020212022202320242025TTM
Sales, quarterly499049194804471248344766466646934797
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual770.531718.759615.925584.01526.83438.217406.876388.261347311
Period201720182019202020212022202320242025MRQ
Shares, quarterly389.225388.261380.537371.943360.143347337325311
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue18,922.0019,116.0020,759.0017,338.0013,195.0011,224.0012,827.0015,603.0015,154.00
Total Expenses13,746.0013,690.0015,378.0013,675.008,720.005,255.0010,372.009,991.0011,510.00
Operating Income5,176.005,426.005,381.003,663.004,475.005,969.002,455.005,612.003,644.00
Unusual Expense0.000.000.000.000.000.0087.00--
Net Income Before Taxes4,366.004,621.004,553.002,904.003,962.005,503.001,797.004,887.003,644.00
Income Taxes1,033.001,069.001,054.00666.00946.001,282.00412.001,140.00854.00
Consolidated Net Income3,333.003,552.003,499.002,238.003,016.004,221.001,385.003,747.002,790.00
Net Income From Continuing Operations3,333.003,552.003,499.002,238.003,016.004,221.001,385.003,747.002,790.00
Net Income3,242.003,469.003,427.002,196.002,974.004,179.001,343.003,747.002,790.00
EPS (Recurring)10.069.288.555.196.157.342.385.563.74
EPS (Basic, Before Extraordinaries)9.689.388.645.216.197.402.285.593.76
EPS (Diluted)9.579.288.555.196.157.342.275.563.74
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense16.0458.46125.6157.6742.66123.3732.1281.0340.29
Price To Earnings Ratio7.497.498.487.065.206.3415.266.496.26
Price To Sales Ratio1.211.631.250.931.202.351.601.551.16
Gross Margin81.5280.6880.1181.2889.6291.9488.9288.0390.59
Operating Margin27.3528.3825.9221.1333.9153.1819.1435.9724.05
Net Margin17.1318.1516.5112.6722.5437.2310.4724.0118.41
Shares Outstanding311.00347.00388.26406.88438.22526.83584.01615.93718.76
Market Capitalization22,327.7422,327.7425,307.3615,803.1714,804.7825,387.3520,263.7023,269.4116,861.45

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue4,797.004,693.004,666.004,766.004,834.004,712.004,804.004,919.00
Total Expenses3,404.003,299.003,421.003,622.003,206.003,246.003,616.003,745.00
Operating Income1,393.001,394.001,245.001,144.001,628.001,466.001,188.001,174.00
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes1,181.001,186.001,047.00952.001,429.001,256.00984.00973.00
Income Taxes289.00301.00242.00201.00352.00289.00227.00199.00
Consolidated Net Income892.00885.00805.00751.001,077.00967.00757.00774.00
Net Income From Continuing Operations892.00885.00805.00751.001,077.00967.00757.00774.00
Net Income864.00864.00784.00730.001,057.00946.00736.00753.00
EPS (Recurring)2.682.592.272.042.862.501.891.91
EPS (Basic, Before Extraordinaries)2.712.612.292.072.892.511.911.93
EPS (Diluted)2.682.592.272.042.862.501.891.91
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense30.0228.44-42.660.2429.2327.65-30.810.47
Price To Earnings Ratio7.497.877.339.128.639.166.208.48
Price To Sales Ratio1.211.341.241.561.361.301.051.24
Gross Margin81.8081.5081.2581.5181.3480.0179.8579.71
Operating Margin29.0429.7026.6824.0033.6831.1124.7323.87
Net Margin18.0118.4116.8015.3221.8720.0815.3215.31
Shares Outstanding311.00325.00337.00347.00360.14371.94380.54388.26
Market Capitalization22,327.7425,580.9423,643.4830,049.0726,434.7225,404.6520,580.3725,307.36

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments14,973.0014,711.0014,259.0010,294.008,337.0011,524.0012,147.009,396.0011,602.00
Short Term Receivables0.000.000.000.000.000.000.000.000.00
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments95,783.0096,955.0096,261.0087,878.0077,623.0079,119.0087,586.0093,577.0081,076.00
Investment in Unconsolidated Affiliates834.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment0.000.000.000.000.000.000.000.000.00
Other Intangible Assets7,505.007,797.006,959.006,392.009,788.005,305.005,093.003,819.003,130.00
Total Assets119,095.00119,463.00117,479.00104,564.0095,748.0095,948.00104,826.00106,792.0095,808.00
Total Customer Deposits81,144.0082,062.0081,153.0071,735.0062,270.0062,782.0065,154.0064,019.0056,488.00
Total Debt15,182.0015,462.0015,982.0014,191.0014,507.0015,775.0019,866.0023,996.0020,799.00
Long Term Debt12,932.009,812.0011,757.0012,484.0014,007.0010,950.0015,658.0018,011.0018,792.00
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Other Liabilities6,003.005,359.006,441.005,765.005,316.004,690.004,718.004,099.004,287.00
Total Liabilities102,329.00102,883.00103,576.0091,691.0082,093.0083,247.0089,738.0092,114.0081,574.00
Preferred Stock - Carrying Value1,222.001,222.00734.00734.00734.00734.00734.000.000.00
Common Equity15,544.0015,358.0013,169.0012,139.0012,921.0011,967.0014,354.0014,678.0014,234.00
Total Shareholders Equity16,766.0016,580.0013,903.0012,873.0013,655.0012,701.0015,088.0014,678.0014,234.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity16,766.0016,580.0013,903.0012,873.0013,655.0012,701.0015,088.0014,678.0014,234.00
Total Liabilities & Stockholders Equity119,095.00119,463.00117,479.00104,564.0095,748.0095,948.00104,826.00106,792.0095,808.00
Book Value Per Share44.8039.5632.3727.7024.5320.4923.3020.4218.47
Tangible Book Value Per Share37.2534.0827.8622.2420.2116.7219.5017.4116.21
Full-Time Employees20,00020,00020,00018,50018,00016,50016,50016,50016,000
Price to Book Ratio1.501.711.211.231.891.691.551.152.10
Return on Assets2.982.952.023.014.401.383.542.752.08
Return on Equity21.3022.9616.7222.7432.039.9725.1819.3013.61
Return on Invested Capital11.9613.268.7211.8915.265.8612.198.535.86
Quick Ratio3.701.341.351.381.431.211.360.931.84
Current Ratio3.701.341.351.381.431.211.360.931.84

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations9,406.009,475.009,546.008,203.006,389.005,556.006,476.008,317.008,584.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital149.00376.00302.00390.00305.001,543.001,011.00673.00758.00
Cash from Operating Activities9,555.009,851.009,848.008,593.006,694.007,099.007,487.008,990.009,342.00
Capital Expenditures0.000.000.000.000.000.000.000.000.00
Net Assets From Acquisitions-161.00-161.00-1,935.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments-1,655.00765.00805.001,388.00118.002,090.00-1,530.00229.00-1,603.00
Purchase of Investments-3,998.00-1,187.00-2,811.00-3,623.00-3,866.00-2,990.00-9,913.00-7,856.00-7,271.00
Sale Or Maturity of Investments2,343.001,952.003,616.005,011.003,984.005,080.008,383.008,085.005,668.00
Other Uses-673.00-852.00-688.00-722.00-549.00-549.00-390.00-588.00-802.00
Other Sources0.000.00491.000.000.000.000.000.000.00
Cash from Investing Activities-10,840.00-4,854.00-8,903.00-14,234.00-10,234.00-4,814.00-498.00-261.00-19,036.00
Cash Dividends Paid-511.00-510.00-470.00-448.00-476.00-542.00-562.00-581.00-534.00
Change in Capital Stock-3,346.00-2,941.00-520.00-1,112.00-3,320.00-2,876.00-985.00-2,884.00-1,868.00
Repurchase of Common Pref Stock-3,840.00-2,941.00-1,008.00-1,112.00-3,320.00-2,876.00-985.00-3,618.00-1,868.00
Sale of Common Pref Stock494.000.00488.000.000.000.000.00734.000.00
Proceedsfrom Stock Options494.000.00488.000.000.000.000.00734.000.00
Issuance or Reduction of Debt, Net2,579.00-295.00-536.001,777.00-329.00-1,281.00-4,108.00-4,147.003,180.00
Change in Long Term Debt2,579.00-295.00-536.001,777.00-329.00-1,281.00-4,108.00-4,147.003,180.00
Issuance of Long Term Debt4,079.004,030.002,439.003,034.004,955.003,105.00675.005,330.006,337.00
Reduction of Long Term Debt-1,500.00-4,325.00-2,975.00-1,257.00-5,284.00-4,386.00-4,783.00-9,477.00-3,157.00
Net Financing Active Other Cash Flow-85.00-63.0036.00-22.00-44.0029.00-7.0037.00-34.00
Other Financing Activities Uses-85.00-63.000.00-22.00-44.000.00-7.000.00-34.00
Cash from Financing Activities1,695.00-4,735.00-611.009,632.005,284.00-5,204.00-8,031.00-6,458.008,253.00
Net Change in Cash410.00262.00334.003,991.001,744.00-2,919.00-1,042.002,271.00-1,441.00
Free Cash Flow9,555.009,851.009,848.008,593.006,694.007,099.007,487.008,990.009,342.00
Preferred Dividends (Cash Flow)--83.00-72.00-42.00-42.00-42.00-42.00-0.00
Price to Free Cash Flow2.533.342.781.992.554.032.962.881.99

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments15,901.0016,193.0020,559.0014,973.0016,245.0019,457.00
Short Term Receivables0.000.000.000.000.000.00
Investments99,095.0098,250.0092,783.0095,783.0092,603.0093,559.00
Investment in Unconsolidated Affiliates846.00841.00-834.000.000.00
Net Property, Plant & Equipment1,230.001,217.000.000.000.000.00
Deferred Tax Assets2,103.002,051.00----
Other Intangible Assets3,294.003,378.008,159.007,505.008,136.007,489.00
Total Assets122,469.00121,930.00121,501.00119,095.00116,984.00120,505.00
Total Customer Deposits82,951.0082,806.0082,894.0081,144.0079,886.0082,262.00
Total Debt17,025.0016,432.0016,428.0015,182.0014,431.0016,009.00
Long Term Debt11,525.0012,082.0012,378.0012,932.0014,431.0013,434.00
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities5,943.005,795.005,702.006,003.005,602.005,282.00
Total Liabilities105,919.00105,033.00105,024.00102,329.0099,919.00103,553.00
Preferred Stock - Carrying Value1,716.001,716.001,222.001,222.001,222.001,222.00
Common Equity14,834.0015,181.0015,255.0015,544.0015,843.0015,730.00
Total Shareholders Equity16,550.0016,897.0016,477.0016,766.0017,065.0016,952.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity16,550.0016,897.0016,477.0016,766.0017,065.0016,952.00
Total Liabilities & Stockholders Equity122,469.00121,930.00121,501.00119,095.00116,984.00120,505.00
Book Value Per Share47.7046.7145.2744.8043.9942.29
Tangible Book Value Per Share42.8442.0537.5937.2537.9336.55
Full-Time Employees---20,000--
Price to Book Ratio1.501.681.521.901.681.65
Return on Assets2.782.902.962.983.032.73
Return on Equity19.8320.7921.7821.3021.6420.23
Return on Invested Capital3.183.052.792.533.423.18
Quick Ratio2.893.725.083.702.902.48
Current Ratio2.893.725.083.702.902.48

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations2,493.002,409.002,517.001,987.002,569.002,364.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital5.0011.00-334.00467.0068.00196.00
Cash from Operating Activities2,498.002,420.002,183.002,454.002,637.002,560.00
Capital Expenditures0.000.000.000.000.000.00
Net Assets From Acquisitions0.000.000.00-161.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments4.00-1,340.00-690.00371.00195.00-176.00
Purchase of Investments-1,103.00-1,695.00-1,190.00-10.00-171.00-526.00
Sale Or Maturity of Investments1,107.00355.00500.00381.00366.00350.00
Other Uses-222.00-244.00-144.00-63.00-345.00-244.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-2,535.00-5,187.001,524.00-4,642.00-1,574.00-2,241.00
Cash Dividends Paid-138.00-121.00-125.00-127.00-130.00-135.00
Preferred Dividends (Cash Flow)-28.00-21.00-21.00-21.00-20.00-21.00
Change in Capital Stock-1,100.00-384.00-900.00-962.00-870.00-504.00
Repurchase of Common Pref Stock-1,100.00-878.00-900.00-962.00-870.00-504.00
Sale of Common Pref Stock0.00494.000.000.000.000.00
Proceedsfrom Stock Options0.00494.000.000.000.000.00
Issuance or Reduction of Debt, Net589.000.001,243.00747.00-1,581.00-1,004.00
Change in Long Term Debt589.000.001,243.00747.00-1,581.00-1,004.00
Issuance of Long Term Debt2,089.000.001,243.00747.00994.00746.00
Reduction of Long Term Debt-1,500.000.000.000.00-2,575.00-1,750.00
Net Financing Active Other Cash Flow0.00-2.00-87.004.003.001.00
Other Financing Activities Uses0.00-2.00-87.004.003.001.00
Cash from Financing Activities-506.00-596.001,879.00918.00-4,955.00-2,817.00
Net Change in Cash-543.00-3,363.005,586.00-1,270.00-3,892.00-2,498.00
Free Cash Flow2,498.002,420.002,183.002,454.002,637.002,560.00
Price to Free Cash Flow2.532.762.533.192.842.70

Revenue breakdown

United States2024: 21.60B 2025: 21.70B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.59%17.3M309.7M3.14M
2026-10-155.31%16.4M309.7M3.26M
2026-09-305.39%17.5M323.6M3.41M
2026-09-155.82%18.8M323.6M3.53M
2026-08-315.51%17.8M323.6M3.61M
2026-08-145.54%17.9M323.6M3.67M
2026-07-315.85%18.9M323.7M3.86M
2026-07-155.79%19.4M334.6M3.90M
2026-06-305.43%18.2M334.6M3.75M
2026-06-156.36%21.2M334.1M3.79M
2026-05-296.86%22.9M334.6M3.90M
2026-05-156.22%20.8M334.6M4.00M
2026-04-306.21%20.8M335.2M4.26M
2026-04-154.24%14.7M345.8M4.57M
2026-03-314.20%14.5M345.5M4.74M
2026-03-134.49%15.5M345.5M4.48M
2026-02-274.26%14.7M345.5M4.31M
2026-02-134.15%14.3M345.5M4.22M
2026-01-303.67%13.1M357.8M3.90M
2026-01-155.03%18.0M358.5M3.39M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call50.0020.4022.000.001.5390.000.000.988-0.0220.003
call55.0015.5017.000.001.1990.000.000.946-0.0780.012
call60.0010.4012.3013.351.0260.000.000.928-0.0710.015
call62.508.009.400.000.6680.000.000.914-0.0670.017
call65.005.607.207.900.6421.000.000.891-0.0630.021
call67.503.804.706.000.4704.000.000.826-0.0690.029
call70.001.902.753.590.41819.000.000.655-0.0920.041
call72.501.051.251.050.37013910.000.432-0.1000.044
call75.000.400.500.330.3691,4094.000.247-0.0830.035
call77.500.050.250.160.4102,07012.000.133-0.0600.024
call80.000.000.150.100.4632,18955.000.068-0.0380.015
call82.500.000.100.050.5174424.000.043-0.0300.010
call85.000.000.550.180.6015800.000.038-0.0310.009
call90.000.000.500.050.76122.000.000.031-0.0340.008
call95.000.000.550.010.9054.000.000.027-0.0350.007
call1000.000.550.051.0381.000.000.024-0.0370.006
call1050.000.550.001.1610.000.000.022-0.0380.006
call1100.000.550.001.2760.000.000.020-0.0390.005
put50.000.000.050.021.5476.000.00-0.055-0.1070.013
put55.000.000.550.051.10410.000.00-0.054-0.0750.012
put60.000.000.650.050.80343.000.00-0.071-0.0680.015
put62.500.000.550.100.6575850.00-0.085-0.0640.017
put65.000.100.300.130.5104654.00-0.108-0.0590.021
put67.500.300.400.360.39883234.00-0.173-0.0650.029
put70.000.800.950.900.36797529.00-0.344-0.0870.041
put72.501.952.452.370.4365605.00-0.568-0.0950.044
put75.003.604.603.080.5565780.00-0.751-0.0790.035
put77.505.607.304.200.7753750.00-0.866-0.0550.024
put80.008.009.705.500.8973.000.00-0.932-0.0330.015
put82.5010.6012.200.001.0330.000.00-0.956-0.0240.010
put85.0013.1014.600.001.1260.000.00-0.961-0.0250.009
put90.0017.9019.700.001.3880.000.00-0.968-0.0270.008
put95.0023.1024.700.001.5930.000.00-0.972-0.0280.007
put10027.9029.700.001.7800.000.00-0.975-0.0290.006
put10532.9034.700.001.9520.000.00-0.978-0.0300.006
put11037.9039.700.002.1120.000.00-0.979-0.0300.005

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-108-KCurrent report2026-11-10SEC
2026-10-2210-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-148-KCurrent report2026-09-14SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800847.29K4
2026-070000
2026-060000
2026-05005.05M4
2026-040000
2026-030023.52M9
2026-020014.23M7
2026-010000
2025-120000
2025-11004.04M4

Institutional holders

Manager% owned
BlackRock, Inc.9.18%
VANGUARD CAPITAL MANAGEMENT LLC6.54%
Capital World Investors5.62%
VANGUARD PORTFOLIO MANAGEMENT LLC5.38%
STATE STREET CORP5.27%
BANK OF AMERICA CORP /DE/4.39%
GEODE CAPITAL MANAGEMENT, LLC3.01%
GOLDMAN SACHS GROUP INC3.00%
FIRST TRUST ADVISORS LP2.29%
PAR CAPITAL MANAGEMENT INC2.26%

Funds

Fund% owned
Lord Abbett Short Duration Income Fund13.25%
Baird Core Plus Bond Fund12.78%
Baird Short-Term Bond Fund12.63%
American Funds Multi-Sector Income Fund9.79%
Fidelity Investment Grade Bond Central Fund9.02%
Baird Aggregate Bond Fund6.84%
Fidelity U.S. Bond Index Fund6.65%
LORD ABBETT BOND DEBENTURE FUND INC6.56%
Fidelity Total Bond Fund6.09%
Baird Ultra Short Bond Fund5.65%

OakChart. SYF. Cached 15 minutes.