Synchrony Financial
Synchrony Financial (NYSE: SYF) is trading at $72.94, about ₹7,004 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 1.94% today. Indian residents can buy Synchrony Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$70.89
Today's high
$73.54
52 week low
$63.08
52 week high
$88.77
SYF opened at $71.65, closed previously at $71.55, and has traded between $63.08 and $88.77 over the past 52 weeks.
About
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Key statistics
Avg. volume
3.55M
Market cap
$23.73B
P/E Ratio
7.40
Price-to-sales ratio
1.25
Enterprise value
$23.97B
Free cash flow yield
40.85%
Debt-to-equity ratio
0.97
Return on equity
20.94%
ROIC
2.89%
Beta
1.31
Dividend yield
1.70%
Last dividend
$1.24
Financial overview
Revenue
$19.12B
Earnings per share
$9.35
Free cash flow
$9.85B
Net profit margin
18.56%
Gross margin
52.26%
EBITDA
$5.13B
Revenue growth
-7.91%
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This is not an investment recommendation
How to buy Synchrony Financial from India
Indian residents can buy Synchrony Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Synchrony Financial and place an order
Find Synchrony Financial by name or by its ticker, SYF, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Synchrony Financial trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Synchrony Financial position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Synchrony Financial from India
Trading and taxes when buying Synchrony Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Synchrony Financial’s current yield is 1.70%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Synchrony Financial stock?
Yes. Synchrony Financial (SYF) has been listed on the New York Stock Exchange since 2014, in the Financial - Credit Services industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Synchrony Financial share cost in rupees?
One Synchrony Financial share is $72.94 — about ₹7,004 at a USD/INR rate of 96.02 on 24 Sep 2026. Both the Synchrony Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Synchrony Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Synchrony Financial?
Yes. One Synchrony Financial share is $72.94, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Synchrony Financial.
How are gains on Synchrony Financial shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Synchrony Financial price. Paasa issues a capital-gains statement for your return.
Does Synchrony Financial pay a dividend, and how is it taxed in India?
Yes. Synchrony Financial pays a dividend and the current yield is 1.70%; the last declared dividend was $1.24 per share, about ₹119.06. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Synchrony Financial from India?
The New York Stock Exchange trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Synchrony Financial shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Synchrony Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Synchrony Financial holding, its cost and its closing value.
How do I sell Synchrony Financial and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.