SYF Synchrony Financial Common Stock
NYSE · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Jul 23, 2026
$71.77
· of 52w range
· above low
· to high
$63.0852w low
$88.7752w high
Market Cap (MRQ)
$23.33B
P/E
7.7
EPS
$9.28
your badges
52W Range
$63–$89
Analyst Rating
BUY
Price Target
$89
P/E
7.7
ROE
21.1%
Net Profit Margin
18.7%
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SYF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$71.77
Market Cap (MRQ)
$23.33B
P/E
7.7
EPS
$9.28
Div Yield
1.7%
ROE
21.1%
52W Range
$63–$89
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About Synchrony Financial Common Stock Company overview from Wikipedia
Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut. The company offers consumer financing products including credit, promotional financing, loyalty programs, and installment lending to both industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
Synchrony owns CareCredit, a credit card for medical and veterinary expenses.
History
Previously named GE Capital Retail Finance Corporation, Synchrony was incorporated in Delaware in 2003. The company was inactive until 2013. Centered on co-branded credit products, Synchrony went public in July 2014 and raised $2.88 billion in its initial public offering.
Synchrony acquired GPShopper in 2017. In 2018, it acquired Loop Commerce, which provides a digital gifting platform called GiftNow. The same year, it acquired PayPal's $7.6 billion credit receivables portfolio and became the exclusive issuer for the PayPal Credit point-of-sale financing program in the United States through 2028.
GIC Private Limited, the sovereign wealth fund of Singapore, owned 7.72% of Synchrony's stock in 2019. GIC exited its position in 2023.
Regulatory and legal issues
In June 2014, shortly before Synchrony's New York Stock Exchange debut, the Consumer Financial Protection Bureau (CFPB) and the Department of Justice reached a $225 million settlement with the company after it entered into a consent decree with the CFPB. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding deceptive enrollment practices for add-on programs such as financial hardship relief.
In 2020, consumer advocacy groups urged the CFPB and Comptroller of the Currency to investigate the use of PayPal Credit to pay tuition at for-profit schools, where students are generally ineligible for lower-cost federal loans. The advocacy groups classified the 24% interest rates, $40 late fees, and aggressive collection practices as "predatory."
In August 2024, a class action suit was filed in New York alleging that CareCredit's interest rates of 32.99% violate state usury laws.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancial Services
industryFinancial Services
employees20,000
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
EPS$9.282016-12-31 → 2025-12-31
Net margin18.7%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | SYF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 7.75Y avg ≈7.1 | ≈7.1 | 15.0 | Undervalued | |
| P/S | 1.35Y avg ≈1.3 | ≈1.3 | 1.9 | Undervalued | |
| P/B (MRQ) | 1.45Y avg ≈1.5 | ≈1.5 | 2.1 | Undervalued | |
| Price / Cash Flow | 2.55Y avg ≈2.6 | ≈2.6 | 4.5 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.7 | ≈1.7 | · | · | |
| PEG Ratio | ≈0.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | SYF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 2.7%5Y avg ≈2.6% | ≈2.6% | 19.4% | Weak | |
| Pretax Margin | 24.3%5Y avg ≈25.3% | ≈25.3% | 26.8% | In line | |
| Net Profit Margin | 18.7%5Y avg ≈19.4% | ≈19.4% | 21.1% | Weak | |
| ROA | 3.0%5Y avg ≈3.1% | ≈3.1% | 3.0% | In line | |
| ROE | 21.1%5Y avg ≈22.5% | ≈22.5% | 16.1% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | SYF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -2.8%5Y avg ≈5.3% | ≈5.3% | · | · | |
| Revenue CAGR 3Y | 5.9%5Y avg ≈7.0% | ≈7.0% | · | · | |
| Revenue CAGR 5Y | 5.1% | · | · | · | |
| EPS YoY | 8.5%5Y avg ≈53.0% | ≈53.0% | · | · | |
| Net Income YoY | 1.5%5Y avg ≈41.7% | ≈41.7% | · | · | |
| EPS CAGR 3Y | 14.7%5Y avg ≈17.2% | ≈17.2% | · | · | |
| EPS CAGR 5Y | 32.5% | · | · | · | |
| Net Income CAGR 3Y | 5.6%5Y avg ≈5.6% | ≈5.6% | · | · | |
| Net Income CAGR 5Y | 20.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | SYF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.25Y avg ≈0.2 | ≈0.2 | 0.2 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.7%
Payout Ratio12.0%
Annualized Payout≈$1.36
5Y Div CAGR≈6.4%
Growth Streak≈4
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 5, 2026 | $0.34 | USD | ≈1.6% |
| May 5, 2026 | $0.30 | USD | ≈1.6% |
| Feb 6, 2026 | $0.30 | USD | ≈1.6% |
| Nov 5, 2025 | $0.30 | USD | ≈1.5% |
| Aug 5, 2025 | $0.30 | USD | ≈1.6% |
| May 5, 2025 | $0.30 | USD | ≈1.9% |
| Feb 3, 2025 | $0.25 | USD | ≈1.5% |
| Nov 4, 2024 | $0.25 | USD | ≈1.8% |
| Aug 5, 2024 | $0.25 | USD | ≈2.3% |
| May 3, 2024 | $0.25 | USD | ≈2.2% |
| Feb 2, 2024 | $0.25 | USD | ≈2.5% |
| Oct 31, 2023 | $0.25 | USD | ≈3.4% |
| Jul 28, 2023 | $0.25 | USD | ≈2.7% |
| May 1, 2023 | $0.23 | USD | ≈3.2% |
| Feb 3, 2023 | $0.23 | USD | ≈2.5% |
| Oct 31, 2022 | $0.23 | USD | ≈2.5% |
| Jul 29, 2022 | $0.23 | USD | ≈2.7% |
| Apr 29, 2022 | $0.22 | USD | ≈2.4% |
| Feb 9, 2022 | $0.22 | USD | ≈2.0% |
| Oct 29, 2021 | $0.22 | USD | ≈1.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
17.3%
Next Report
Oct 13, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $2.59 | $2.13 | 21.5% |
| March 31, 2026 | $2.27 | $2.21 | 2.8% | |
| Dec. 31, 2025 | $2.04 | $2.06 | -1.2% | |
| Sept. 30, 2025 | $2.86 | $2.25 | 27.3% | |
| June 30, 2025 | $2.50 | $1.76 | 41.7% | |
| March 31, 2025 | $1.89 | $1.69 | 11.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $3.71B | $1.52B | $1.03B | $1.67B | $2.29B | $1.87B | $1.39B | $1.25B | $1.14B | $922M | |
| Interest Income | $22.60B | $22.64B | $20.71B | $17.15B | $15.27B | $16.07B | $19.09B | $17.99B | $16.41B | $14.78B | $13.23B | $12.24B | |
| Pretax Income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B | $4.89B | $3.64B | $3.32B | $3.57B | $3.53B | $3.39B | |
| Income Tax | $1.07B | $1.05B | $666M | $946M | $1.28B | $412M | $1.14B | $854M | $1.39B | $1.32B | $1.32B | $1.28B | |
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B | $2.21B | $2.11B | |
| EPS (Basic) | $9.38 | $8.64 | $5.21 | $6.19 | $7.40 | $2.28 | $5.59 | $3.76 | $2.43 | $2.71 | $2.66 | $2.78 | |
| EPS (Diluted) | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 | $2.65 | $2.78 | |
| Shares (Basic) | 369,900,000 | 396,500,000 | 421,200,000 | 480,400,000 | 564,600,000 | 589,000,000 | 670,200,000 | 742,300,000 | 795,600,000 | 829,200,000 | 833,800,000 | 757,400,000 | |
| Shares (Diluted) | 373,900,000 | 400,600,000 | 423,500,000 | 483,400,000 | 569,300,000 | 590,800,000 | 673,500,000 | 746,900,000 | 799,700,000 | 831,500,000 | 835,500,000 | 757,600,000 | |
| EBITDA | $514M | $481M | $458M | $419M | $390M | $383M | $367M | $302M | $254M | $219M | $174M | $131M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $14.97B | $14.71B | $14.26B | $10.29B | $8.34B | $11.52B | $12.15B | $9.40B | $11.60B | $9.32B | $12.32B | $11.83B | |
| PP&E (Net) | $1.25B | · | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1.36B | $1.27B | $1.02B | $1.10B | $1.10B | $1.08B | $1.08B | $1.02B | $991M | $949M | $949M | $949M | |
| Intangibles | $104M | $854M | $815M | $742M | $1.17B | $1.12B | $1.26B | $1.14B | $749M | $712M | $701M | $519M | |
| Total Assets | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B | $104.83B | $106.79B | $95.81B | $90.21B | $83.99B | $75.71B | |
| Total Liabilities | $102.33B | $102.88B | $103.58B | $91.69B | $82.09B | $83.25B | $89.74B | $92.11B | $81.57B | $76.01B | $71.39B | $65.23B | |
| Long-term Debt | $15.18B | $15.46B | $15.98B | $14.19B | $14.51B | $15.78B | $19.87B | $24.00B | $20.80B | $20.15B | $24.28B | · | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Paid-in Capital | $9.90B | $9.85B | $9.78B | $9.72B | $9.67B | $9.57B | $9.54B | $9.48B | $9.45B | $9.39B | $9.35B | $9.41B | |
| Retained Earnings | $24.60B | $21.64B | $18.66B | $16.72B | $14.24B | $10.62B | $12.12B | $8.99B | $6.81B | $5.33B | $3.29B | $1.08B | |
| Treasury Stock | $18.91B | $16.07B | $15.20B | $14.17B | $10.93B | $8.17B | $7.24B | $3.73B | $1.96B | $475M | $0 | · | |
| Stockholders' Equity | $16.77B | $16.58B | $13.90B | $12.87B | $13.65B | $12.70B | $15.09B | $14.68B | $14.23B | $14.20B | $12.60B | $10.48B | |
| Liabilities + Equity | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B | $104.83B | $106.79B | $95.81B | $90.21B | $83.99B | $75.71B | |
| Shares Outstanding | 347,000,000 | 388,000,000 | 406,875,775 | 438,216,755 | 526,830,205 | 584,009,550 | 615,925,168 | 718,758,598 | 770,531,433 | 817,352,328 | 833,828,340 | 833,765,000 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $514M | $481M | $458M | $419M | $390M | $383M | $367M | $302M | $254M | $219M | $174M | $131M | |
| Deferred Tax | $184M | $-98M | $-458M | $-421M | $219M | $-602M | $23M | $-53M | $385M | $389M | $-295M | $-203M | |
| Restructuring | · | · | · | · | · | $87M | · | · | · | · | · | · | |
| Other Non-cash | $5.60B | $5.97B | $6.36B | $3.68B | $2.27B | $6.32B | $4.85B | $6.30B | $6.34B | $3.96B | $4.09B | $3.30B | |
| Operating Cash Flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | $7.49B | $8.99B | $9.34B | $8.57B | $6.51B | $6.18B | $5.34B | |
| Investing Cash Flow | $-4.85B | $-8.90B | $-14.23B | $-10.23B | $-4.81B | $-498M | $-261M | $-19.04B | $-9.54B | $-13.36B | $-10.80B | $-10.07B | |
| Stock Repurchased | $2.94B | $1.01B | $1.11B | $3.32B | $2.88B | $985M | $3.62B | $1.87B | $1.50B | $476M | $0 | $0 | |
| Net Stock Activity | $-2.94B | $-1.01B | $-1.11B | $-3.32B | $-2.88B | $-985M | $-3.62B | $-1.87B | $-1.50B | $-476M | · | · | |
| Dividends Paid | $427M | $398M | $406M | $434M | $500M | $520M | $581M | $534M | $446M | $214M | $0 | $0 | |
| Financing Cash Flow | $-4.74B | $-611M | $9.63B | $5.28B | $-5.20B | $-8.03B | $-6.46B | $8.25B | $3.12B | $3.81B | $5.12B | $14.24B | |
| Net Change in Cash | · | · | · | · | · | · | · | · | $2.28B | $-3.00B | $497M | $9.51B | |
| Taxes Paid | $710M | $1.09B | $1.12B | $1.29B | $1.11B | $847M | $1.02B | $772M | $754M | $1.77B | $1.22B | $1.79B |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.7% | 17.9% | 13.0% | 18.8% | 28.7% | 9.3% | 21.8% | 17.0% | 12.6% | 16.2% | 17.7% | 17.9% | |
| Pretax Margin | 24.3% | 23.3% | 16.8% | 24.8% | 37.4% | 12.1% | 28.5% | 22.2% | 21.7% | 25.7% | 28.3% | 28.7% | |
| EBITDA Margin | 2.7% | 2.5% | 2.6% | 2.6% | 2.6% | 2.6% | 2.1% | 1.8% | 1.7% | 1.6% | 1.4% | 1.1% | |
| ROA | 3.0% | 2.9% | 2.0% | 3.0% | 4.4% | 1.4% | 3.5% | 2.8% | 2.1% | 2.6% | 2.8% | 3.1% | |
| ROE | 21.1% | 21.5% | 16.2% | 23.3% | 30.6% | 11.2% | 24.8% | 19.5% | 13.5% | 16.0% | 17.9% | 20.7% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $48.32 | $42.70 | $34.17 | $29.38 | $25.92 | $21.75 | $24.50 | $20.42 | $18.47 | $17.37 | $15.12 | $12.57 | |
| Revenue / Share | $50.78 | $48.76 | $40.82 | $33.11 | $25.86 | $25.06 | $25.49 | $21.93 | $19.14 | $16.69 | $14.94 | $15.58 | |
| Cash Flow / Share | $26.35 | $24.58 | $20.29 | $13.85 | $12.47 | $12.67 | $13.35 | $12.51 | $11.15 | $8.21 | $7.40 | $7.05 | |
| Cash / Share | $43.15 | $37.89 | $35.05 | $23.49 | $15.82 | $19.73 | $19.72 | $13.07 | $15.06 | $11.40 | $14.78 | $14.19 | |
| Dividend / Share | $1.15 | $1.00 | $0.96 | $0.90 | $0.88 | $0.88 | $0.86 | $0.72 | $0.56 | $0.26 | $0.00 | $0.00 | |
| EPS (TTM) | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 | $2.65 | $2.78 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -2.8% | 13.0% | 8.0% | 8.7% | -0.59% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.9% | 9.9% | 5.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.1% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 8.5% | 64.7% | -15.6% | -16.2% | 223.3% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 14.7% | 5.2% | 31.7% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 32.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 1.5% | 56.3% | -25.8% | -28.5% | 204.8% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 5.6% | -6.1% | 17.3% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 20.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -3.9% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $18.99B | $19.53B | $17.29B | $16.00B | $14.72B | $14.81B | $17.17B | $16.38B | $15.30B | $13.87B | $12.48B | $11.80B | |
| Net Income TTM | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B | $2.21B | $2.11B | |
| Market Cap | $28.95B | $25.24B | $15.54B | $14.40B | $24.44B | $20.27B | $22.18B | $16.86B | $29.75B | $29.65B | $25.36B | $24.80B | |
| P/E | 9.0 | 7.6 | 7.4 | 5.3 | 6.3 | 15.3 | 6.5 | 6.3 | 16.0 | 13.4 | 11.5 | 10.7 | |
| P/S | 1.5 | 1.3 | 0.9 | 0.9 | 1.7 | 1.4 | 1.3 | 1.0 | 1.9 | 2.1 | 2.0 | 2.1 | |
| P/B | 1.7 | 1.5 | 1.1 | 1.1 | 1.8 | 1.6 | 1.5 | 1.1 | 2.1 | 2.1 | 2.0 | 2.4 | |
| P / Tangible Book | 2.0 | 1.7 | 1.3 | 1.3 | 2.1 | 1.9 | · | · | · | · | · | · | |
| P / Cash Flow | 2.9 | 2.6 | 1.8 | 2.2 | 3.4 | 2.7 | 2.5 | 1.8 | 3.3 | 4.3 | 4.1 | 4.6 | |
| Dividend Yield | 1.5% | 1.6% | 2.6% | 3.0% | 2.1% | 2.6% | 2.6% | 3.2% | 1.5% | 0.72% | 0.00% | 0.00% | |
| Earnings Yield | 11.1% | 13.2% | 13.6% | 18.7% | 15.8% | 6.5% | 15.4% | 15.9% | 6.3% | 7.5% | 8.7% | 9.3% | |
| Payout Ratio | 12.0% | 11.4% | 18.1% | 14.4% | 11.8% | 37.5% | 15.5% | 19.1% | 23.1% | 9.5% | · | · | |
| Annual Payout | $427M | $398M | $406M | $434M | $500M | $520M | $581M | $534M | $446M | $214M | $0 | $0 |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $1.16B | · | $992M | $901M | $735M | · | $414M | |
| Interest Income | $5.58B | $5.60B | $5.73B | $5.73B | $5.59B | $5.55B | $5.71B | $5.79B | $5.58B | $5.57B | $5.55B | $5.35B | $5.02B | $4.79B | $4.71B | $4.34B | |
| Pretax Income | $1.19B | $1.05B | $952M | $1.43B | $1.26B | $984M | $973M | $1.03B | $844M | $1.71B | $539M | $833M | $742M | $790M | $741M | $922M | |
| Income Tax | $301M | $242M | $201M | $352M | $289M | $227M | $199M | $239M | $201M | $415M | $99M | $205M | $173M | $189M | $164M | $219M | |
| Net Income | $885M | $805M | $751M | $1.08B | $967M | $757M | $774M | $789M | $643M | $1.29B | $440M | $628M | $569M | $601M | $577M | $703M | |
| EPS (Basic) | $2.61 | $2.29 | $2.07 | $2.89 | $2.51 | $1.91 | $1.95 | $1.96 | $1.56 | $3.17 | $1.04 | $1.49 | $1.32 | $1.36 | $1.31 | $1.48 | |
| EPS (Diluted) | $2.59 | $2.27 | $2.03 | $2.86 | $2.50 | $1.89 | $1.92 | $1.94 | $1.55 | $3.14 | $1.04 | $1.48 | $1.32 | $1.35 | $1.31 | $1.47 | |
| Shares (Basic) | 331,300,000 | 342,400,000 | · | 365,900,000 | 376,200,000 | 385,200,000 | · | 392,300,000 | 399,300,000 | 404,700,000 | · | 416,000,000 | 422,700,000 | 434,400,000 | · | 468,500,000 | |
| Shares (Diluted) | 334,100,000 | 346,000,000 | · | 369,900,000 | 379,100,000 | 389,400,000 | · | 396,500,000 | 402,600,000 | 408,200,000 | · | 418,400,000 | 424,200,000 | 437,200,000 | · | 470,700,000 | |
| EBITDA | · | $143M | · | · | · | $125M | · | · | · | $119M | · | · | · | $111M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $16.19B | $20.56B | $14.97B | $16.25B | $19.46B | $21.63B | $14.71B | $17.93B | $18.63B | $20.02B | $14.26B | $15.64B | $12.71B | $15.30B | $10.29B | $11.96B | |
| PP&E (Net) | $1.22B | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1.36B | $1.36B | $1.36B | $1.27B | $1.27B | $1.27B | $1.27B | $1.27B | $1.27B | $1.07B | $1.02B | $1.10B | $1.10B | $1.10B | $1.10B | $1.10B | |
| Intangibles | $152M | $1.22B | $1.25B | $909M | $862M | $847M | $854M | $765M | $776M | $800M | · | $1.17B | $1.23B | $1.30B | · | $1.03B | |
| Total Assets | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B | $119.46B | $119.23B | $120.49B | $121.17B | · | $112.94B | $108.70B | $107.85B | · | $100.77B | |
| Total Liabilities | $105.03B | $105.02B | $102.33B | $99.92B | $103.55B | $105.44B | $102.88B | $103.25B | $104.95B | $105.89B | · | $99.17B | $95.32B | $94.66B | · | $87.75B | |
| Long-term Debt | $16.43B | $16.43B | $15.18B | $14.43B | $16.01B | $17.01B | $15.46B | $15.63B | $15.64B | $16.13B | · | $15.23B | $14.23B | $14.93B | · | $14.32B | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | |
| Paid-in Capital | $9.88B | $9.84B | $9.90B | $9.87B | $9.84B | $9.80B | $9.85B | $9.82B | $9.79B | $9.77B | · | $9.75B | $9.73B | $9.71B | · | $9.69B | |
| Retained Earnings | $25.97B | $25.21B | $24.60B | $23.98B | $23.04B | $22.21B | $21.64B | $20.98B | $20.31B | $19.79B | · | $18.34B | $17.83B | $17.37B | · | $16.25B | |
| Treasury Stock | $20.59B | $19.74B | $18.91B | $17.96B | $17.10B | $16.60B | $16.07B | $15.99B | $15.71B | $15.43B | · | $14.96B | $14.81B | $14.51B | · | $13.47B | |
| Stockholders' Equity | $16.90B | $16.48B | $16.77B | $17.07B | $16.95B | $16.58B | $16.58B | $15.98B | $15.54B | $15.28B | $13.90B | $13.77B | $13.38B | $13.19B | $12.87B | $13.01B | |
| Liabilities + Equity | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B | $119.46B | $119.23B | $120.49B | $121.17B | · | $112.94B | $108.70B | $107.85B | · | $100.77B | |
| Shares Outstanding | 325,000,000 | 337,000,000 | 347,000,000 | 360,143,330 | 371,942,844 | 380,537,087 | 388,000,000 | 389,224,881 | 395,115,518 | 401,410,596 | · | 413,785,325 | 418,109,398 | 428,447,828 | · | 458,904,206 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $145M | $143M | $139M | $128M | $122M | $125M | $120M | $121M | $121M | $119M | $118M | $116M | $113M | $111M | $101M | $105M | |
| Deferred Tax | $6M | $28M | $13M | $140M | $-23M | $54M | $-18M | $-72M | $-35M | $27M | $-187M | $-120M | $-63M | $-88M | $-236M | $-111M | |
| Other Non-cash | · | $1.21B | · | · | · | $1.26B | · | · | · | $809M | · | · | · | $1.26B | · | · | |
| Operating Cash Flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | $2.20B | $2.35B | $2.76B | $2.48B | $2.25B | $2.32B | $2.48B | $1.91B | $1.89B | $1.85B | $1.63B | |
| Investing Cash Flow | $-5.19B | $1.52B | $-4.64B | $-1.57B | $-2.24B | $3.60B | $-4.96B | $-2.23B | $-2.51B | $798M | $-7.17B | $-2.57B | $-5.19B | $692M | $-6.86B | $-4.14B | |
| Stock Repurchased | $878M | $900M | $962M | $870M | $504M | $605M | $101M | $302M | $305M | $300M | $253M | $152M | $303M | $404M | $701M | $950M | |
| Net Stock Activity | · | $-900M | · | · | · | $-605M | · | · | · | $-300M | · | · | · | $-404M | · | · | |
| Dividends Paid | $100M | $104M | $106M | $110M | $114M | $97M | $97M | $99M | $100M | $102M | $103M | $104M | $99M | $100M | $103M | $109M | |
| Financing Cash Flow | $-596M | $1.88B | $918M | $-4.96B | $-2.82B | $2.12B | $-617M | $-1.23B | $-1.37B | $2.60B | $3.47B | $3.03B | $216M | $2.91B | $2.38B | $4.78B |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.6% | 16.9% | · | 22.2% | 20.8% | 16.4% | · | 16.7% | 14.2% | 23.2% | · | 14.1% | 13.6% | 14.6% | · | 17.7% | |
| Pretax Margin | 25.0% | 22.0% | · | 29.5% | 27.1% | 21.3% | · | 21.7% | 18.7% | 30.7% | · | 18.7% | 17.8% | 19.2% | · | 23.2% | |
| EBITDA Margin | · | 3.0% | · | · | · | 2.7% | · | · | · | 2.1% | · | · | · | 2.7% | · | · | |
| ROA | 0.73% | 0.66% | · | 0.91% | 0.80% | 0.62% | · | 0.68% | 0.56% | 1.1% | · | 0.59% | 0.56% | 0.59% | · | 0.73% | |
| ROE | 5.2% | 4.9% | · | 6.5% | 5.9% | 4.8% | · | 5.3% | 4.5% | 9.1% | · | 4.7% | 4.2% | 4.5% | · | 5.2% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $51.99 | $48.89 | · | $47.38 | $45.58 | $43.57 | · | $41.06 | $39.33 | $38.07 | · | $33.27 | $32.00 | $30.79 | · | $28.35 | |
| Revenue / Share | $14.20 | $13.78 | · | $13.10 | $12.24 | $11.85 | · | $11.92 | $11.23 | $13.63 | · | $10.65 | $9.86 | $9.41 | · | $8.44 | |
| Cash Flow / Share | · | $6.31 | · | · | · | $5.65 | · | · | · | $5.51 | · | · | · | $4.31 | · | · | |
| Cash / Share | $49.82 | $61.01 | · | $45.11 | $52.31 | $56.84 | · | $46.08 | $47.16 | $49.88 | · | $37.80 | $30.39 | $35.72 | · | $26.07 | |
| Dividend / Share | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.25 | $0.25 | $0.25 | $0.25 | $0.25 | $0.25 | $0.25 | $0.23 | $0.23 | $0.23 | $0.23 | |
| EPS (TTM) | $9.75 | $9.66 | · | $9.17 | $8.25 | $7.30 | · | $7.67 | $7.21 | $6.98 | · | $5.46 | $5.45 | $5.73 | · | $6.33 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $19.25B | $19.14B | · | $18.82B | $18.70B | $18.58B | · | $19.35B | $19.07B | $18.73B | · | $16.89B | $16.41B | $16.22B | · | $15.87B | |
| Net Income TTM | $3.52B | $3.60B | · | $3.58B | $3.29B | $2.96B | · | $3.17B | $3.00B | $2.93B | · | $2.38B | $2.45B | $2.69B | · | $3.25B | |
| Market Cap | $24.72B | $22.92B | · | $25.59B | $24.82B | $20.15B | · | $19.41B | $18.65B | $17.31B | · | $12.65B | $14.18B | $12.46B | · | $12.94B | |
| P/E | 7.8 | 7.0 | · | 7.7 | 8.1 | 7.3 | · | 6.5 | 6.5 | 6.2 | · | 5.6 | 6.2 | 5.1 | · | 4.5 | |
| P/S | 1.3 | 1.2 | · | 1.4 | 1.3 | 1.1 | · | 1.0 | 1.0 | 0.9 | · | 0.7 | 0.9 | 0.8 | · | 0.8 | |
| P/B | 1.5 | 1.4 | · | 1.5 | 1.5 | 1.2 | · | 1.2 | 1.2 | 1.1 | · | 0.9 | 1.1 | 0.9 | · | 1.0 | |
| P / Tangible Book | 1.6 | 1.7 | · | 1.7 | 1.7 | 1.4 | · | 1.4 | 1.4 | 1.3 | · | 1.1 | 1.3 | 1.2 | · | 1.2 | |
| P / Cash Flow | · | 10.5 | · | · | · | 9.2 | · | · | · | 7.7 | · | · | · | 6.6 | · | · | |
| Dividend Yield | 1.7% | 1.9% | · | 1.6% | 1.6% | 1.9% | · | 2.1% | 2.2% | 2.4% | · | 3.2% | 2.9% | 3.4% | · | 3.5% | |
| Earnings Yield | 12.8% | 14.2% | · | 12.9% | 12.4% | 13.8% | · | 15.4% | 15.3% | 16.2% | · | 17.9% | 16.1% | 19.7% | · | 22.4% | |
| Payout Ratio | · | 12.9% | · | · | · | 12.8% | · | · | · | 7.9% | · | · | · | 16.6% | · | · | |
| Annual Payout | $420M | $434M | · | $418M | $407M | $393M | · | $404M | $409M | $408M | · | $406M | $411M | $420M | · | $451M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B |
| Diluted EPS | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 1,088 filers · $29.6B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
1,088
Value held
$29.6B
New positions
122
Exited positions
69
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 122 (-24 vs prior Q) | 69 (-58 vs prior Q) | 400 (+64 vs prior Q) | 357 (-25 vs prior Q) | +1.9M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD GROUP INC | $3,823,915,936 | 45,833,824 | 12.94% | Shares |
| BlackRock, Inc. | $2,349,451,992 | 30,893,517 | 7.95% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $1,674,158,996 | 22,013,925 | 5.67% | Shares |
| Capital World Investors | $1,438,778,847 | 18,918,854 | 4.87% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,375,745,869 | 18,090,018 | 4.66% | Shares |
| STATE STREET CORP | $1,348,609,708 | 17,733,198 | 4.56% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,122,960,967 | 14,766,088 | 3.80% | Shares |
| GOLDMAN SACHS GROUP INC | $767,599,049 | 10,093,347 | 2.60% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $759,566,438 | 9,853,708 | 2.57% | Shares |
| FIRST TRUST ADVISORS LP | $585,451,280 | 7,698,248 | 1.98% | Shares |
| PAR CAPITAL MANAGEMENT INC | $578,903,019 | 7,612,137 | 1.96% | Shares |
| HARRIS ASSOCIATES L P | $566,293,784 | 7,446,335 | 1.92% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $475,816,119 | 6,254,849 | 1.61% | Shares |
| NORDEA INVESTMENT MANAGEMENT AB | $411,001,303 | 5,303,927 | 1.39% | Shares |
| Invesco Ltd. | $409,097,878 | 5,379,328 | 1.38% | Shares |
| NORTHERN TRUST CORP | $371,066,887 | 4,879,249 | 1.26% | Shares |
| MORGAN STANLEY | $352,364,605 | 4,633,326 | 1.19% | Shares |
| AMERIPRISE FINANCIAL INC | $343,205,010 | 4,512,851 | 1.16% | Shares |
| ASSETMARK, INC | $334,830,580 | 4,402,769 | 1.13% | Shares |
| Allianz Asset Management GmbH | $319,156,754 | 4,196,670 | 1.08% | Shares |
| BARCLAYS PLC | $307,664,609 | 4,045,557 | 1.04% | Shares |
| NORGES BANK | $305,660,844 | 4,019,209 | 1.03% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $289,833,423 | 4,261,003 | 0.98% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $271,068,869 | 3,564,350 | 0.92% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $230,815,933 | 3,035,055 | 0.78% | Shares |
| Robeco Institutional Asset Management B.V. | $215,215,797 | 2,829,925 | 0.73% | Shares |
| Legal & General Group Plc | $209,304,967 | 2,752,202 | 0.71% | Shares |
| Bank of New York Mellon Corp | $193,683,676 | 2,546,794 | 0.66% | Shares |
| AustralianSuper Pty Ltd | $191,109,467 | 2,512,945 | 0.65% | Shares |
| DEUTSCHE BANK AG\ | $186,973,260 | 2,458,557 | 0.63% | Shares |
| Man Group plc | $153,996,915 | 2,024,943 | 0.52% | Shares |
| Amundi | $151,645,754 | 1,994,027 | 0.51% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $145,581,831 | 1,914,291 | 0.49% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $143,627,726 | 1,888,596 | 0.49% | Shares |
| Boston Partners | $143,176,526 | 1,882,819 | 0.48% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $143,122,100 | 1,885,624 | 0.48% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $139,383,071 | 1,832,782 | 0.47% | Shares |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $137,094,342 | 1,773,167 | 0.46% | Shares |
| HSBC HOLDINGS PLC | $134,409,076 | 1,765,813 | 0.45% | Shares |
| AMERICAN CENTURY COMPANIES INC | $129,399,419 | 1,701,503 | 0.44% | Shares |
| JPMORGAN CHASE & CO | $120,379,959 | 1,536,045 | 0.41% | Shares |
| UBS Group AG | $117,926,553 | 1,550,645 | 0.40% | Shares |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | $116,320,756 | 1,529,530 | 0.39% | Shares |
| Caisse de depot et placement du Quebec | $114,215,845 | 1,501,852 | 0.39% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $110,705,301 | 1,455,691 | 0.37% | Shares |
| Qube Research & Technologies Ltd | $109,883,352 | 1,444,883 | 0.37% | Shares |
| Squarepoint Ops LLC | $98,010,882 | 1,288,769 | 0.33% | Shares |
| FRANKLIN RESOURCES INC | $94,798,616 | 1,246,530 | 0.32% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $93,881,750 | 1,234,474 | 0.32% | Shares |
| FMR LLC | $89,024,350 | 1,170,603 | 0.30% | Shares |
Company insiders 36 insiders · 19 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Courtney Gentleman | EVP & CEO--Diversified & Value | Aug. 17, 2026 A | 18,697 | 0 | 3 | $-1,199,425 |
| Darrell Owens | EVP & CEO--Lifestyle | Aug. 17, 2026 A | 16,480 | 0 | 4 | $-1,257,212 |
| Carol Juel | EVP, CEO--Digital | Aug. 17, 2026 A | 51,875 | 0 | 2 | $-4,276,940 |
| Curtis Howse | EVP, CEO--Home & Auto | Aug. 17, 2026 A | 86,796 | 0 | 4 | $-5,874,922 |
| Alberto Casellas | EVP, CEO--Health & Wellness | Aug. 17, 2026 A | 50,691 | 0 | 4 | $-4,785,855 |
| Brian D Doubles | President and CEO | Aug. 17, 2026 A | 828,886 | 0 | 3 | $-14,941,869 |
| Bart Schaller | EVP, CEO--Digital | May 15, 2026 A | 34,178 | 0 | 2 | $-3,371,056 |
| Maran Nalluswami | EVP, CEO--Diversified & Value and Lifestyle | July 1, 2024 F | 33,782 | 0 | 0 | $0 |
| Thomas M Quindlen | EVP, CEO Diversified & Value and Lifestyle | Nov. 10, 2022 A | 165,954 | 0 | 0 | $0 |
| Neeraj Mehta | EVP, CEO--Payment Solutions and Chief Commercial Officer | Nov. 12, 2020 A | 130,875 | 0 | 0 | $0 |
| David Fasoli | Executive Vice President and Chief Executive Officer-CareCredit | Nov. 15, 2018 A | 60,617 | 0 | 0 | $0 |
| Glenn P Marino | Executive Vice President and Chief Executive Officer-Payment Solutions and Chief Commercial Officer | Sept. 17, 2017 F | 139,300 | 0 | 0 | $0 |
| Brian J. Wenzel Sr. | EVP, CFO | Aug. 17, 2026 A | 64,763 | 0 | 2 | $-4,489,804 |
| Amy Tiliakos | SVP, Chief Accounting Officer and Controller | Aug. 17, 2026 A | 19,949 | 0 | 0 | $0 |
| Jonathan S Mothner | EVP, Chief Risk and Legal Officer | Aug. 17, 2026 A | 132,875 | 0 | 4 | $-5,980,707 |
| David P Melito | SVP, Chief Accounting Officer and Controller | May 15, 2024 A | 15,782 | 0 | 0 | $0 |
| Paul Whynott | EVP, Chief Risk Officer | Aug. 10, 2023 A | 112,054 | 0 | 0 | $0 |
| Margaret M Keane | Executive Chair | April 1, 2023 F | 852,565 | 0 | 0 | $0 |
| Henry F Greig | EVP, Chief Credit Officer and Capital Management Leader | Nov. 10, 2022 A | 217,391 | 0 | 0 | $0 |
| Kamila K Chytil | Director | Sept. 30, 2026 A | 18,775 | 0 | 0 | $0 |
| Laurel Richie | Director | Sept. 30, 2026 A | 52,670 | 0 | 0 | $0 |
| Daniel O Colao | Director | Sept. 30, 2026 A | 6,528 | 0 | 0 | $0 |
| P.W. Parker | Director | Sept. 30, 2026 A | 35,333 | 0 | 0 | $0 |
| Ellen M Zane | Director | Sept. 30, 2026 A | 33,087 | 0 | 0 | $0 |
| Paget Leonard Alves | Director | Sept. 30, 2026 A | 53,380 | 0 | 0 | $0 |
| Fernando Aguirre | Director | Sept. 30, 2026 A | 31,119 | 0 | 0 | $0 |
| Arthur W Coviello JR | Director | Sept. 30, 2026 A | 27,012 | 0 | 4 | $-1,495,600 |
| Deborah G Ellinger | Director | Sept. 30, 2026 A | 3,198 | 0 | 0 | $0 |
| Jeffrey G Naylor | Director | Sept. 30, 2026 A | 66,904 | 0 | 0 | $0 |
| Roy A Guthrie | Director | Sept. 30, 2026 A | 41,701 | 0 | 0 | $0 |
| Will W Graylin | Director | Aug. 11, 2022 A | 59,924 | 0 | 0 | $0 |
| Olympia J. Snowe | Director | May 12, 2022 A | 31,402 | 0 | 0 | $0 |
| Richard C Hartnack | Director | March 31, 2021 A | 51,439 | 0 | 0 | $0 |
| Anne Kennelly Kratky | Director | Nov. 17, 2015 P | 1,639 | 0 | 0 | $0 |
| William H Cary | Director | Sept. 30, 2015 A | 2,320 | 0 | 0 | $0 |
| Alexander Dimitrief | Director | July 31, 2014 P | 10,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 155 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| ZIG · ETF Series Solutions | 3.31% | 13,861 NS | July 31, 2026 | N-PORT |
| VLLU · Harbor ETF Trust | 2.84% | 1,738 NS | July 31, 2026 | N-PORT |
| WLTG · ETF Opportunities Trust | 2.24% | 22,743 NS | July 31, 2026 | N-PORT |
| PGF · Invesco Exchange-Traded Fund Trust | 2.17% | 628,856 | Oct. 1, 2026 | Daily |
| RDVI · First Trust Exchange-Traded Fund IV | 1.83% | 866,640 NS | July 31, 2026 | N-PORT |
| LYLD · Cambria ETF Trust | 1.79% | 1,712 NS | July 31, 2026 | N-PORT |
| BMVP · Invesco Exchange-Traded Fund Trust | 1.67% | 23,293 SH | Oct. 1, 2026 | Daily |
| NUMV · Nushares ETF Trust | 1.53% | 89,794 NS | July 31, 2026 | N-PORT |
| SPVM · Invesco Exchange-Traded Fund Trust | 1.39% | 25,629 SH | Oct. 1, 2026 | Daily |
| RSPF · Invesco Exchange-Traded Fund Trust | 1.29% | 67,281 SH | Oct. 1, 2026 | Daily |
| SRHQ · Elevation Series Trust | 1.23% | 34,353 NS | July 31, 2026 | N-PORT |
| SPGP · Invesco Exchange-Traded Fund Trust | 1.17% | 335,483 SH | Oct. 1, 2026 | Daily |
| PGX · Invesco Exchange-Traded Fund Trust … | 1.08% | 1,851,703 | Oct. 1, 2026 | Daily |
| CVY · Invesco Exchange-Traded Fund Trust | 0.95% | 15,597 SH | Oct. 1, 2026 | Daily |
| SYLD · Cambria ETF Trust | 0.94% | 123,389 NS | July 31, 2026 | N-PORT |
| FXR · First Trust Exchange-Traded AlphaDE… | 0.89% | 87,418 NS | July 31, 2026 | N-PORT |
| VAMO · Cambria ETF Trust | 0.88% | 12,580 NS | July 31, 2026 | N-PORT |
| FTA · First Trust Exchange-Traded AlphaDE… | 0.86% | 158,079 NS | July 31, 2026 | N-PORT |
| ALTL · Pacer Funds Trust | 0.85% | 10,332 NS | July 31, 2026 | N-PORT |
| SDVD · First Trust Exchange-Traded Fund IV | 0.83% | 99,606 NS | July 31, 2026 | N-PORT |
| FLRG · FIDELITY COVINGTON TRUST | 0.81% | 31,083 NS | July 31, 2026 | N-PORT |
| INFO · Harbor ETF Trust | 0.78% | 86,845 NS | July 31, 2026 | N-PORT |
| JOET · Virtus ETF Trust II | 0.78% | 24,899 NS | July 31, 2026 | N-PORT |
| PKW · Invesco Exchange-Traded Fund Trust | 0.66% | 154,020 SH | Oct. 1, 2026 | Daily |
| HIBL · Direxion Shares ETF Trust | 0.58% | 5,708 NS | July 31, 2026 | N-PORT |
| FVAL · FIDELITY COVINGTON TRUST | 0.55% | 97,290 NS | July 31, 2026 | N-PORT |
| QDF · FlexShares Trust | 0.54% | 157,297 NS | July 31, 2026 | N-PORT |
| QLC · FlexShares Trust | 0.54% | 71,680 NS | July 31, 2026 | N-PORT |
| PFF · iShares Trust | 0.52% | 3,061,572 SH | Sept. 11, 2026 | Daily |
| FCPI · FIDELITY COVINGTON TRUST | 0.50% | 17,847 NS | July 31, 2026 | N-PORT |
| FLAG · Global X Funds | 0.47% | 106 NS | July 31, 2026 | N-PORT |
| FEX · First Trust Exchange-Traded AlphaDE… | 0.45% | 92,641 NS | July 31, 2026 | N-PORT |
| VOE · VANGUARD INDEX FUNDS | 0.44% | 2,164,471 SH | Aug. 19, 2026 | Daily |
| LSVD · ADVISORS' INNER CIRCLE FUND | 0.43% | 37,038 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.43% | 9,547 NS | July 31, 2026 | N-PORT |
| GLOF · iShares Trust | 0.40% | 10,691 SH | Sept. 11, 2026 | Daily |
| VFQY · VANGUARD WELLINGTON FUND | 0.38% | 23,984 SH | Aug. 19, 2026 | Daily |
| LGDX · Tidal Trust III | 0.36% | 6,823 NS | July 31, 2026 | N-PORT |
| IMCV · iShares Trust | 0.36% | 54,960 SH | Sept. 11, 2026 | Daily |
| IYG · iShares Trust | 0.35% | 102,245 SH | Sept. 11, 2026 | Daily |
| VRP · Invesco Exchange-Traded Fund Trust … | 0.34% | 5,358,353 | Oct. 1, 2026 | Daily |
| JPME · J.P. Morgan Exchange-Traded Fund Tr… | 0.34% | 20,812 NS | July 31, 2026 | N-PORT |
| JPUS · J.P. Morgan Exchange-Traded Fund Tr… | 0.33% | 20,078 NS | July 31, 2026 | N-PORT |
| LCOW · Pacer Funds Trust | 0.32% | 1,095 NS | July 31, 2026 | N-PORT |
| LRGF · iShares Trust | 0.32% | 156,247 SH | Sept. 11, 2026 | Daily |
| IYJ · iShares Trust | 0.32% | 79,814 SH | Sept. 11, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.31% | 566,374 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.29% | 91,304 NS | July 31, 2026 | N-PORT |
| DFLV · Dimensional ETF Trust | 0.29% | 255,027 NS | July 31, 2026 | N-PORT |
| EQIN · Columbia ETF Trust I | 0.27% | 10,750 NS | July 31, 2026 | N-PORT |
| JVAL · J.P. Morgan Exchange-Traded Fund Tr… | 0.26% | 28,528 NS | July 31, 2026 | N-PORT |
| REVS · Columbia ETF Trust I | 0.26% | 11,368 NS | July 31, 2026 | N-PORT |
| VO · VANGUARD INDEX FUNDS | 0.25% | 7,302,633 SH | Aug. 19, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.25% | 23,404 SH | Aug. 19, 2026 | Daily |
| IWS · iShares Trust | 0.25% | 502,711 SH | Sept. 11, 2026 | Daily |
| BSCR · Invesco Exchange-Traded Self-Indexe… | 0.23% | 10,423,000 | Oct. 1, 2026 | Daily |
| FAS · Direxion Shares ETF Trust | 0.21% | 66,273 NS | July 31, 2026 | N-PORT |
| NEAR · iShares U.S. ETF Trust | 0.21% | 10,943,000 SH | Sept. 11, 2026 | Daily |
| SIZE · iShares Trust | 0.21% | 11,824 SH | Sept. 11, 2026 | Daily |
| EUSA · iShares, Inc. | 0.19% | 49,009 SH | Sept. 11, 2026 | Daily |
| RSP · Invesco Exchange-Traded Fund Trust | 0.19% | 2,528,951 SH | Oct. 1, 2026 | Daily |
| IWR · iShares Trust | 0.19% | 1,377,473 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.19% | 55,812 NS | July 31, 2026 | N-PORT |
| IMCB · iShares Trust | 0.18% | 39,529 SH | Sept. 11, 2026 | Daily |
| VFMO · VANGUARD WELLINGTON FUND | 0.17% | 43,954 SH | Aug. 19, 2026 | Daily |
| VLUE · iShares Trust | 0.16% | 208,638 SH | Sept. 11, 2026 | Daily |
| DFVX · Dimensional ETF Trust | 0.16% | 11,278 NS | July 31, 2026 | N-PORT |
| SUSA · iShares Trust | 0.16% | 85,698 SH | Sept. 11, 2026 | Daily |
| IXG · iShares Trust | 0.16% | 14,504 SH | Sept. 11, 2026 | Daily |
| BSCT · Invesco Exchange-Traded Self-Indexe… | 0.15% | 4,460,000 | Oct. 1, 2026 | Daily |
| PRF · Invesco Exchange-Traded Fund Trust | 0.15% | 200,967 SH | Oct. 1, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.14% | 292,845 NS | July 31, 2026 | N-PORT |
| XOEF · iShares Trust | 0.14% | 422 SH | Sept. 11, 2026 | Daily |
| VFVA · VANGUARD WELLINGTON FUND | 0.14% | 15,895 SH | Aug. 19, 2026 | Daily |
| RECS · Columbia ETF Trust I | 0.13% | 100,361 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.12% | 8,624 NS | July 31, 2026 | N-PORT |
| VYM · VANGUARD WHITEHALL FUNDS | 0.11% | 1,339,583 SH | Aug. 19, 2026 | Daily |
| USXF · iShares Trust | 0.10% | 19,982 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.10% | 643,604 NS | July 31, 2026 | N-PORT |
| EVUS · iShares Trust | 0.10% | 5,118 SH | Sept. 11, 2026 | Daily |
| VTV · VANGUARD INDEX FUNDS | 0.10% | 3,201,072 SH | Aug. 19, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.10% | 44,061 NS | July 31, 2026 | N-PORT |
| ESGU · iShares Trust | 0.10% | 227,636 SH | Sept. 11, 2026 | Daily |
| HAPI · Harbor ETF Trust | 0.09% | 6,130 NS | July 31, 2026 | N-PORT |
| DGRO · iShares Trust | 0.09% | 532,560 SH | Sept. 11, 2026 | Daily |
| VOOV · VANGUARD ADMIRAL FUNDS | 0.09% | 77,341 SH | Aug. 19, 2026 | Daily |
| RWL · Invesco Exchange-Traded Fund Trust … | 0.09% | 122,202 SH | Oct. 1, 2026 | Daily |
| VEGN · ETF Series Solutions | 0.09% | 2,055 NS | July 31, 2026 | N-PORT |
| IVE · iShares Trust | 0.09% | 558,136 SH | Sept. 11, 2026 | Daily |
| VMAX · Lattice Strategies Trust | 0.08% | 547 NS | July 31, 2026 | N-PORT |
| IUSV · iShares Trust | 0.08% | 293,567 SH | Sept. 11, 2026 | Daily |
| IQSU · New York Life Investments ETF Trust | 0.08% | 3,359 NS | July 31, 2026 | N-PORT |
| SUSL · iShares Trust | 0.07% | 11,871 SH | Sept. 11, 2026 | Daily |
| ILCV · iShares Trust | 0.07% | 13,154 SH | Sept. 11, 2026 | Daily |
| DSI · iShares Trust | 0.07% | 51,411 SH | Sept. 11, 2026 | Daily |
| VONV · VANGUARD SCOTTSDALE FUNDS | 0.07% | 202,757 SH | Aug. 19, 2026 | Daily |
| IWD · iShares Trust | 0.07% | 745,352 SH | Sept. 11, 2026 | Daily |
| GLBL · Pacer Funds Trust | 0.06% | 9 NS | July 31, 2026 | N-PORT |
| EGLE · Global X Funds | 0.06% | 17 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.06% | 92,706 NS | July 31, 2026 | N-PORT |
| TOPC · iShares Trust | 0.05% | 198 SH | Sept. 11, 2026 | Daily |
| CATH · Global X Funds | 0.05% | 7,756 NS | July 31, 2026 | N-PORT |
| XVV · iShares Trust | 0.04% | 3,861 SH | Sept. 11, 2026 | Daily |
| XYLG · Global X Funds | 0.04% | 363 NS | July 31, 2026 | N-PORT |
| BKLC · BNY Mellon ETF Trust | 0.04% | 30,507 NS | July 31, 2026 | N-PORT |
| CHRI · Global X Funds | 0.04% | 44 NS | July 31, 2026 | N-PORT |
| EQAL · Invesco Exchange-Traded Fund Trust … | 0.04% | 4,590 SH | Oct. 1, 2026 | Daily |
| PTLC · Pacer Funds Trust | 0.04% | 17,603 NS | July 31, 2026 | N-PORT |
| VOO · VANGUARD INDEX FUNDS | 0.04% | 8,733,260 SH | Aug. 19, 2026 | Daily |
| VV · VANGUARD INDEX FUNDS | 0.04% | 393,533 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.04% | 10,696,764 SH | Aug. 19, 2026 | Daily |
| VONE · VANGUARD SCOTTSDALE FUNDS | 0.04% | 55,708 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.04% | 28,239 SH | Aug. 19, 2026 | Daily |
| ESGV · VANGUARD WORLD FUND | 0.04% | 75,907 SH | Aug. 19, 2026 | Daily |
| TOV · EA Series Trust | 0.04% | 1,415 NS | July 31, 2026 | N-PORT |
| BBUS · J.P. Morgan Exchange-Traded Fund Tr… | 0.04% | 46,428 NS | July 31, 2026 | N-PORT |
| VOTE · TCW ETF Trust | 0.04% | 5,695 NS | July 31, 2026 | N-PORT |
| XYLD · Global X Funds | 0.04% | 16,805 NS | July 31, 2026 | N-PORT |
| VOXP · Advisors Series Trust | 0.04% | 30 NS | July 31, 2026 | N-PORT |
| XRMI · Global X Funds | 0.04% | 257 NS | July 31, 2026 | N-PORT |
| IVV · iShares Trust | 0.04% | 4,239,441 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.04% | 105,907 NS | July 31, 2026 | N-PORT |
| ILCB · iShares Trust | 0.04% | 6,524 SH | Sept. 11, 2026 | Daily |
| XTR · Global X Funds | 0.04% | 24 NS | July 31, 2026 | N-PORT |
| OMFL · Invesco Exchange-Traded Self-Indexe… | 0.04% | 25,081 SH | Oct. 1, 2026 | Daily |
| SPUU · Direxion Shares ETF Trust | 0.04% | 1,269 NS | July 31, 2026 | N-PORT |
| QVML · Invesco Exchange-Traded Fund Trust … | 0.04% | 8,515 SH | Oct. 1, 2026 | Daily |
| PBUS · Invesco Exchange-Traded Fund Trust … | 0.04% | 58,074 SH | Oct. 1, 2026 | Daily |
| IWB · iShares Trust | 0.04% | 231,828 SH | Sept. 11, 2026 | Daily |
| IYY · iShares Trust | 0.04% | 14,397 SH | Sept. 11, 2026 | Daily |
| XCLR · Global X Funds | 0.04% | 17 NS | July 31, 2026 | N-PORT |
| QDPL · Pacer Funds Trust | 0.04% | 8,090 NS | July 31, 2026 | N-PORT |
| PBP · Invesco Exchange-Traded Fund Trust | 0.04% | 1,936 SH | Oct. 1, 2026 | Daily |
| ITOT · iShares Trust | 0.04% | 443,548 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.03% | 92,280 SH | Sept. 11, 2026 | Daily |
| TILT · FlexShares Trust | 0.03% | 9,718 NS | July 31, 2026 | N-PORT |
| HCMT · Direxion Shares ETF Trust | 0.03% | 2,341 NS | July 31, 2026 | N-PORT |
| CRBN · iShares Trust | 0.03% | 4,654 SH | Sept. 11, 2026 | Daily |
| TOK · iShares Trust | 0.03% | 936 SH | Sept. 11, 2026 | Daily |
| SPXL · Direxion Shares ETF Trust | 0.03% | 26,295 NS | July 31, 2026 | N-PORT |
| PHDG · Invesco Actively Managed Exchange-T… | 0.03% | 256 SH | Oct. 1, 2026 | Daily |
| URTH · iShares, Inc. | 0.03% | 31,359 SH | Sept. 11, 2026 | Daily |
| ACWI · iShares Trust | 0.02% | 105,882 SH | Sept. 11, 2026 | Daily |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0.02% | 294,418 SH | Aug. 19, 2026 | Daily |
| ACVF · ETF Opportunities Trust | 0.01% | 229 NS | July 31, 2026 | N-PORT |
| GTOS · Invesco Actively Managed Exchange-T… | 0.00% | 2,000 | Sept. 30, 2026 | Daily |
| GTO · Invesco Actively Managed Exchange-T… | 0.00% | 13,000 | Sept. 30, 2026 | Daily |
| BIV · VANGUARD BOND INDEX FUNDS | · | · | July 15, 2026 | Daily |
| BSV · VANGUARD BOND INDEX FUNDS | · | · | July 15, 2026 | Daily |
| BND · VANGUARD BOND INDEX FUNDS | · | · | July 15, 2026 | Daily |
| VCSH · VANGUARD SCOTTSDALE FUNDS | · | · | July 15, 2026 | Daily |
| VCIT · VANGUARD SCOTTSDALE FUNDS | · | · | July 15, 2026 | Daily |
| VTC · VANGUARD SCOTTSDALE FUNDS | · | · | July 30, 2026 | Daily |
| BNDW · VANGUARD SCOTTSDALE FUNDS | · | · | July 30, 2026 | Daily |
| VCEB · VANGUARD WORLD FUND | · | · | July 30, 2026 | Daily |
SYF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 28 analysts
BUY
Median target
$90.00
+25.4%
6 21.4%
Strong Buy
12 42.9%
Buy
10 35.7%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
23 analysts · 2026-10-02Mean target $89.17 +24.2%
← Below all targets
Current price $71.77
Low$78.00
Mean$89.17
High$104.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SYF | $28.95B | 9.0 | -2.8% | 18.7% | 21.1% | · |
| AXP | $253.79B | 24.1 | 6.4% | 26.2% | 32.9% | · |
| COF | $151.50B | 60.1 | 36.6% | 4.6% | 2.2% | · |
| SOFI | $33.26B | 67.1 | 23.1% | 77.7% | 5.5% | · |
| ALLY | $13.97B | 19.1 | -3.3% | 10.8% | 5.7% | · |
| FCFS | $7.01B | 21.5 | 8.0% | 9.0% | 15.3% | 50.3% |
| OMF | $7.92B | 10.3 | 8.9% | 16.0% | 23.3% | · |
| FIGR | $0 | 92.8 | 48.7% | 26.4% | 16.9% | · |
| CACC | $4.74B | 12.2 | 7.2% | 18.3% | 27.5% | · |
| NNI | · | 11.3 | 21.1% | 120.9% | 12.2% | · |
| DAVE | · | · | · | · | · | · |
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Source: SEC 10-Q filed Jul 23, 2026