Synchrony Financial
SYFNYSETrackedESG Rated: 1/2 ProvidersMarket Data VerifiedFinancialsConsumer FinanceMSCI: AA
- Coverage
- Rated universe Carries an MSCI or Sustainalytics observation.
- ESG profile reviewed
- Last editorial update to this profile.
- Quote
- Last verified closeObservation time is shown beside the price.
- Methodology
- How we rateProvider ratings are shown separately, never blended.
Market overview
Up+USD 1.39 (+1.94%) Day change
The market is closed. This is the last verified closing quote, not an intraday price.
- Open
- USD 71.70
- Previous close
- USD 71.55
- Day high
- USD 73.54
- Day low
- USD 70.89
- Volume
- 2,466,483
- Market cap
- USD 23,732,549,632
View Chart Data
| Date and time | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| USD 74.71 | USD 75.09 | USD 73.94 | USD 74.54 | 1,744,700 | |
| USD 74.30 | USD 76.11 | USD 74.30 | USD 75.49 | 2,756,400 | |
| USD 76.44 | USD 77.55 | USD 76.26 | USD 76.95 | 1,938,800 | |
| USD 85.72 | USD 86.13 | USD 83.15 | USD 84.22 | 3,797,100 | |
| USD 84.75 | USD 84.83 | USD 84.12 | USD 84.31 | 1,158,800 | |
| USD 86.79 | USD 88.53 | USD 86.05 | USD 88.47 | 3,881,200 | |
| USD 78.34 | USD 79.02 | USD 77.44 | USD 77.70 | 2,781,700 | |
| USD 72.22 | USD 73.93 | USD 72.22 | USD 73.52 | 3,805,700 | |
| USD 72.77 | USD 73.00 | USD 71.97 | USD 72.85 | 3,458,400 | |
| USD 68.70 | USD 69.68 | USD 67.95 | USD 68.97 | 3,033,900 | |
| USD 64.42 | USD 64.95 | USD 63.48 | USD 63.78 | 2,684,000 | |
| USD 65.30 | USD 66.30 | USD 64.98 | USD 66.19 | 8,603,100 | |
| USD 68.17 | USD 69.44 | USD 68.16 | USD 69.26 | 2,332,100 | |
| USD 77.39 | USD 80.22 | USD 76.25 | USD 77.63 | 6,611,500 | |
| USD 74.60 | USD 75.56 | USD 74.59 | USD 75.15 | 3,788,400 | |
| USD 71.47 | USD 72.13 | USD 70.34 | USD 72.00 | 3,567,500 | |
| USD 70.76 | USD 71.31 | USD 70.21 | USD 70.55 | 2,561,200 | |
| USD 75.02 | USD 77.28 | USD 74.64 | USD 76.32 | 2,520,400 | |
| USD 72.48 | USD 72.79 | USD 70.99 | USD 72.44 | 2,903,800 | |
| USD 73.85 | USD 75.39 | USD 73.60 | USD 75.31 | 4,631,200 | |
| USD 78.05 | USD 78.36 | USD 77.28 | USD 78.19 | 2,813,900 | |
| USD 80.51 | USD 80.88 | USD 79.21 | USD 80.77 | 3,918,300 | |
| USD 76.98 | USD 77.22 | USD 75.10 | USD 75.44 | 2,764,500 | |
| USD 71.70 | USD 73.54 | USD 70.89 | USD 72.94 | 2,467,500 |
Company Profile & Business Model Overview
Synchrony Financial (NYSE: SYF) is a consumer financial services company that provides a range of credit products including private-label credit cards, consumer credit cards, and installment loans, and partners with retailers, healthcare providers, and other businesses to offer financing solutions; it operates across the United States and manages tens of billions in receivables. The company’s primary segments are Retail Card, Payment Solutions, and CareCredit (healthcare financing).
Sustainability Strengths & Catalysts (Pros)
- Established corporate responsibility program with board and management oversight focused on sustainability and community initiatives, as described on the company’s corporate responsibility pages.
- Recognized by external ESG rating providers — third‑party sources indicate Synchrony has received notable MSCI ESG coverage (e.g., MSCI AA reported by KnowESG), reflecting established ESG practices relative to peers in financial services.
- Comprehensive public disclosures: the company publishes sustainability and ESG reports and maintains a collection of filings and ESG data that support transparency on governance, social programs, and risk management.
Material Risks & Governance Concerns (Cons)
- As a large consumer lender, Synchrony faces inherent social and regulatory risks related to responsible lending practices, data privacy and cybersecurity, and potential consumer protection disputes given its scale of credit exposure.
- The company’s operations carry governance and reputational risks common to financial institutions—including exposure to credit losses, regulatory enforcement actions, and controversies tied to third‑party retail partners—that can materially affect ESG out
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ESG & Sustainability Rating Breakdown
Synthesized multi-provider rating across Environmental, Social, and Corporate Governance dimensions.
Audited Methodology
MSCI ESG industry rating benchmark.
Data integrity and methodology
MSCI and Sustainalytics ratings are shown separately with their own observation dates; they are not blended into one score, and providers can disagree. Market quotes are delayed or last-close values, and every snapshot states its source and observation time. Read the full rating methodology.
Financial & Valuation Fundamentals
Core balance sheet and equity valuation metrics sourced from corporate filings.
Audited Financials
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Frequently Asked Questions
Direct answers on sustainability scores, risk methodologies, and peer rankings.
What is Synchrony Financial (SYF)'s ESG rating and sustainability score?
Synchrony Financial (SYF) has an MSCI ESG rating of AA. MSCI evaluates corporate resilience to long-term industry material environmental, social, and governance risks relative to sector peers.
Is Synchrony Financial considered an ESG leader or laggard in Financials?
Synchrony Financial is classified as an ESG Leader by MSCI with a AA rating, ranking in the top tier of companies in Financials for sustainability governance and decarbonization practices.
What are the main ESG risks and controversies for Synchrony Financial?
Key material risks for Synchrony Financial include: As a large consumer lender, Synchrony faces inherent social and regulatory risks related to responsible lending practices, data privacy and cybersecurity, and potential consumer protection disputes given its scale of credit exposure.; The company’s operations carry governance and reputational risks common to financial institutions—including exposure to credit losses, regulatory enforcement actions, and controversies tied to third‑party retail partners—that can materially affect ESG out. Investors should evaluate whether corporate mitigation plans adequately address these vulnerabilities.
How does The Impact Investor evaluate ESG stock profiles?
The Impact Investor presents audited third-party ratings from MSCI and Sustainalytics alongside delayed market data and financial fundamentals. We do not blend ratings into proprietary black-box scores, and ratings are never modified by advertising or affiliate relationships.