Synchrony Financial (SYF)
Financials · Consumer Finance · NYSE
Synchrony Financial is a leading consumer lender that partners with retailers and healthcare providers to offer specialized credit card and installment loan programs.
What Synchrony Financial does
Synchrony Financial is a consumer financial services company that provides a range of credit products, including private label credit cards, Dual Cards, and installment loans. It operates through programs established with a diverse group of national and regional retailers, healthcare service providers, and merchants. The company conducts its business primarily through its subsidiary, Synchrony Bank.
Themes: consumer credit, retail financing, healthcare finance, fintech
Fundamentals
- Price$73.72 as of 2026-10-08 close
- Market cap$24.0B as of 2026-07-17 (share count; price 2026-10-08)
- 1-year return+3.9% 2025-10-08 close $70.97 → 2026-10-08 close $73.72
- P/E7.38 as of 2026-10-08
- ROE+21.2% FY2025, SEC XBRL
- Debt / equity0.97 as of 2026-09-02
- Revenue growth (YoY)+20.5% as of 2026-09-02
- Beta1.51 as of 2026-09-02
- Last reported earnings2026-08-17 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.8%; 10-year non-decreasing per-share dividend streak (SEC XBRL).
How SYF compares in its sector
- price-to-earnings ratiobottom 10% 513 covered Financials peers, as of 2026-10-08
- return on equitytop 25% 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
SYF is not currently in any published Top 10 list. Its scores are below.
Top 10 score
66.9 #70 of 1,379 scored · #28 of 220 in Financials
Valuation 88th (price to earnings 7.4, price to book 1.4) and capital return 87th (net share count bought back over the year 6.7, consecutive years of dividend increases 10 years); weakest is financial health (34th, debt to equity 1).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, SYF's dividend was covered by reported results (earnings payout 12%, operating-cash-flow payout 4%). This describes past coverage, not a forecast.
- Earnings payout12% dividends / net income
- Operating-cash-flow payout4% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Synchrony Financial looks technically
Synchrony Financial (SYF) is trading 1.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 41 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day low about 12 trading days ago. It is 17.0% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 1.1% below its 200-day average, the long-term trend line — a long-term downtrend | -1.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $76.50 | $76.50 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $74.57 | $74.57 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 75.655. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 41 trading days ago — a "golden cross", a bullish long-term signal | 41 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control | 27.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 49.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($69.40 to $76.24) — its "stochastic" reading is 63 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 63.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $88.77 | $88.77 |
|---|---|---|
| From the 52-week high | it is 17.0% below its 52-week high (its highest price of the past year) | -16.9% |
| Above the 52-week low | it is 16.8% above its 52-week low (its lowest price of the past year) | +16.8% |
| Below the 52-week high | it is 17.0% below its highest point of the past year | 16.9% |
| Since a 20-day breakout | it made a new 20-day low about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 39 trading days ago | 39 sessions |
| All-time high | its highest closing price on record is $88.77 (set on 2026-01-09) | $88.77 |
| Given back of the 52-week move | over the past year its closes ranged ($63.78 to $88.47), and it has recovered roughly a third of its fall from last year’s high — 40% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $79.04 to $79.83. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 40.3% |
| From the all-time high | it is 17.0% below its all-time high | -16.9% |
| Nearest price level | it is sitting right on a support level at $73.62 — a price it turned at three times since 2025-07-29, most recently on 2026-05-27. Since 2024-10-08 it has 7 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.1% |
| All-time low | its lowest closing price on record is $12.15 (set on 2020-03-18) | $12.15 |
| Above the all-time low | it is 506.7% above its all-time low | +506.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 73% of it) | 27th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.81 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.81 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $69.56 and $76.66 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $69.56 – $73.11 – $76.66 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 0.5 daily ranges below its 200-day average price (1.1% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.5 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.30× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.8% since the prior reading | -0.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.9% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.9% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 7.3 percentage points (the stock lost 6.2% while the market gained 1.0%) | -7.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.2 percentage points (the stock gained 8.0% while the market gained 3.8%) | +4.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 11.0 percentage points (the stock gained 6.4% while the market gained 17.5%) | -11.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 11.1 percentage points (the stock gained 3.9% while the market gained 15.0%) | -11.1% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.7% of the share price. | -1.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is sitting right on the average price paid so far this year, so the typical buyer over that stretch is roughly break-even. That average is $73.99 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | -0.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-21 (its 8-K), so the typical buyer over that stretch is under water. That average is $76.15 — a volume-weighted average of daily closes over 57 sessions, not a true tick-by-tick VWAP. | -3.2% |
Price levels it has turned at before
SYF last closed at $73.72 on 2026-10-08. Since 2024-10-08 it has turned at 7 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $73.62 | Support | 0.1% below the last close | turned there three times · 2025-07-29 to 2026-05-27 |
| $75.49 | Resistance | 2.4% above the last close | turned there 9 times · 2025-10-15 to 2026-09-01 |
| $71.63 | Support | 2.8% below the last close | turned there four times · 2025-01-23 to 2026-01-30 |
| $77.30 | Resistance | 4.9% above the last close | turned there twice · 2025-09-05 to 2025-09-19 |
| $69.81 | Support | 5.3% below the last close | turned there six times · 2024-12-09 to 2026-10-01 |
| $80.14 | Resistance | 8.7% above the last close | turned there four times · 2026-04-21 to 2026-09-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $75.66.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $72.09 and $75.10 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $69.40.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · MACD just crossed bullish (12/26/9) · lagging the market · Trading at this year’s average price paid (anchored VWAP) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.78 mean, 1=Strong Buy…5=Strong Sell) — 23 analysts
- Mean price target$88.70 range $78.00 – $104.00; median $90.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for SYF
- Consensus EPS estimate$2.38 next reporting period, as of 2026-10-06
- Estimate change, 30 days+$0.03319 (+1.4%) from $2.35, on 2026-09-01, 35-day window
- Readings revised upward63% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of revenue within a small number of partners and the risk of losing such partners.","Macroeconomic conditions, including inflation, interest rates, and economic downturns affecting consumer credit performance.","Regulatory changes impacting the pricing and terms of credit products."]
What changed in the latest 10-Q
AI-assisted comparison of SYF's 10-Q filed 2026-04-23 against the prior one filed 2025-10-22.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 2025 Form 10-K (newer filing dated 2026-04-23) vs. 2024 Form 10-K (older filing dated 2025-10-22)
- Added mention of 'fee income generated from Versatile Credit' in Corp, Other section (newer filing)
- Added 'OnePay' as a Diversified & Value sales platform partner (newer filing)
- Removed:
- Removed reference to 'Ally Lending' acquisition from March 2024 in Home & Auto platform description (older filing mentioned this)
- Removed 'eBay' from Digital sales platform key partners list (older filing listed 'Amazon and eBay', newer lists 'Amazon')
- Removed 'Qurate brands' from Digital sales platform (older filing listed 'Qurate brands', newer lists 'QVC Group, Inc.')
- Removed 'Kawasaki' from Lifestyle sales platform partners (older filing listed it, newer does not)
- Removed 'Walmart' from Diversified & Value sales platform partners (older filing listed it, newer does not)
- Removed reference to Versatile Credit from Corp, Other in older filing
- Reworded:
- Changed period covered from 'three and nine months ended September 30, 2025' to 'three months ended March 31, 2026' in opening paragraph
- Changed purchase volume from '$46.0 billion and $132.8 billion' to '$43.0 billion'
- Changed average active accounts from '68.3 million and 68.7 million' to '68.8 million'
- Changed loan receivables date and amount from 'September 30, 2025: $100.2 billion' to 'March 31, 2026: $100.1 billion'
- Changed deposits from '$79.9 billion' to '$82.9 billion' (older filing) to (newer filing)
- Changed deposit funding percentage from '85%' to '83%' of total funding sources
- Changed 'Qurate brands' to 'QVC Group, Inc.' in Digital platform description
- Changed private label credit cards description from 'typically is extended' to 'is extended' (removed 'typically')
- Changed Credit Cards promotional offer percentages: Standard Terms from 61.7% to 62.7%, Deferred Interest from 18.1% to 17.3%, Other Promotional from 12.6% to 12.7%, Total from 92.4% to 92.7%
- Changed Commercial credit products standard terms: 1.9% remained same
- Changed Consumer installment loans from '0.2% Deferred Interest / 5.4% Other Promotional / 5.6% Total' to '0.1% Deferred Interest / 5.2% Other Promotional / 5.3% Total'
- Changed total percentages from '63.7% / 18.3% / 18.0% / 100.0%' to '64.7% / 17.4% / 17.9% / 100.0%'
- Notes:
- The comparison reflects different reporting periods (three months ended March 31, 2026 vs. three and nine months ended September 30, 2025), which affects comparable metrics
- Changes in partner listings and credit product promotional percentages may reflect period-end status rather than strategic shifts
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 4 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 4 sells ($847288) — 4 selling insiders
- Last 180 days · read to 2026-10-040 buys · 9 sells ($6M) — 6 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-13. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SYF's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for SYF from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding SYF as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 51,860,390
- Reported value $3,943,982,677
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about SYF's institutional holders → See what each manager we track holds →
Short interest (FINRA)
SYF had 18,821,471 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
SYF had 5.78% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.89 days to cover at the same settlement.
- Reported short interest (shares) 18,821,471
- Short interest (% of shares outstanding) 5.78%
- Prior settlement (shares) 17,840,145
- Reported change 5.5%
- Days to cover (reported) 6.89
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- American Express (AXP)
- Capital One Financial (COF)
- Discover Financial Services (DFS)
- Bread Financial (BFH)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Synchrony Financial (SYF) do?
Synchrony Financial is a consumer financial services company that provides a range of credit products, including private label credit cards, Dual Cards, and installment loans. It operates through programs established with a diverse group of national and regional retailers, healthcare service providers, and merchants. The company conducts its business primarily through its subsidiary, Synchrony Bank.
What sector is Synchrony Financial (SYF) in?
Synchrony Financial (SYF) is classified in the Financials sector. Its industry is Consumer Finance. It trades on NYSE.
Does SYF pay a dividend?
Yes — Synchrony Financial (SYF) pays a dividend, with an indicated yield of about 1.81% and 10-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). Informational only — not financial advice.
Who are Synchrony Financial's (SYF) competitors?
Notable peers of Synchrony Financial (SYF) include American Express, Capital One Financial, Discover Financial Services and Bread Financial. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in SYF?
Yes — we hold 2 matched STOCK Act disclosures for SYF from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Synchrony Financial (SYF) overbought or oversold right now?
Synchrony Financial (SYF) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SYF come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.