C+62/100

Is Synchrony Financial (SYF) a risky stock?

Sector: Financials Price: $71.30 Composite: 62/100

As of July 21, 2026, Clavix grades Synchrony Financial (SYF) C+ for risk, a composite score of 62 out of 100 on an A+ to F scale, which puts SYF in the "average" band. The grade is a risk read for educational purposes, not a buy or sell recommendation.

Grade as of July 21, 2026. Clavix regrades every trading day.

The five risk dimensions behind SYF's grade

Each Clavix grade is a composite of five independent reads. Higher is safer. Here is how SYF scores on each, as of July 21, 2026.

Financial healthbalance sheet, margins, cash flow
58
News sentimentscored, sourced recent coverage
57
Macro exposuresensitivity to rates, dollar, oil
66
Sector resiliencestrength vs the broad market
55
Price stabilitydrawdown and volatility
42

What's moving SYF's risk right now

Company-specific signals Clavix flags behind SYF's current grade, drawn from recent news and filings as of July 21, 2026.

Earnings & results · mixed signal

Investors will track Synchrony's July 21 Q2 results to see if higher purchase volumes and improving interest margins translate into an earnings beat. SEB Asset Management also opened a new 151,600-share position in Q1.

Earnings & results · mixed signal

Synchrony reported Q2 2026 results on July 21 and declared a $0.34 quarterly dividend. Institutional moves were mixed: SEB Asset Management opened a new 151,600-share stake, while KBC Group trimmed its position by 3.2%.

What a C+ grade means

On the Clavix A+ to F scale, SYF's composite of 62 falls in the C band (50–64), read as "average." The scale is fixed, so the meaning never moves.

A+AA-B+BB-C+CC-D+DD-F
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This page is generated from Clavix's own risk model and is for educational purposes only. It is not investment advice or a recommendation to buy or sell SYF or any security. Grades are risk indicators, not predictions of return. Data may be delayed.