SYF · Synchrony Financial
Price
Snapshot
50 fields · last close| Market Cap | $24.16B |
| P/E | 6.81 |
| Float | 324.2M |
| Beta | 1.43 |
| Volatility | 35.7% |
| Exchange | NYSE |
| Sector | Financial Services |
| Cap tier | Large cap |
| Macro sensitivity | High |
| Clavix score | 75.4 |
| Price | 73.27 |
| Change | −1.31% |
| Prev Close | 74.24 |
| Open | 73.59 |
| Day Low | 73.35 |
| Day High | 74.69 |
| Avg Vol | 3 |
| Avg $ Vol | $226.1M |
| 52W High | 88.77 |
| 52W Low | 63.08 |
| 52W Pos | 39.7% |
| From High | −17.46% |
| From Low | +16.15% |
| Max DD 1Y | −27.91% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | +1.15% |
| SMA 50 | −3.39% |
| SMA 200 | −1.02% |
| RSI (14) | 52.3 |
| Vol 30D | 24.6% |
| Vol 90D | 31.8% |
| 1Y Range | 63–89 |
| Daily bars | 537 |
| Perf Week | +0.84% |
| Perf Month | −1.07% |
| Perf Quarter | +2.81% |
| Perf Half Y | −5.52% |
| Perf Year | +5.68% |
| Perf YTD | −13.44% |
| Prev Day | −1.31% |
| Clavix | B+ |
| Debt / Eq | 0.91 |
| Curr Ratio | — |
| Int Cover | — |
| FCF Margin | — |
| Rev Growth | −2.8% |
| Profit | Profitable |
| Leverage | Moderate |
| Sector rank | 34 / 69 |
What SYF does
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms.
In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater.
It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print.
It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries.
The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Clavix risk grade
regraded every trading daySYF grades B+, 75.4 of 100. Steadiest on Price Stability (63), most exposed on Sector Resilience (48, fragile). 2 of the 4 weighted dimensions sit above the Financial Services median. Ranks 34 of 69 in Financial Services by Clavix score.
How rough the ride is
| SYF | Financial Services median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 1.43 | 1.21 |
| Volatilityannualized | 35.7% | 30.2% |
| Max drawdown, past yearworst peak-to-trough fall | −27.9% | — |
| Typical daily movemedian absolute daily change | 1.09% | — |
| Days beyond ±3%of the last 252 sessions | 25 (10%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| SYF | Financial Services median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 1.43 | 1.21 |
| Macro sensitivityrate, dollar and credit exposure bucket | High | Moderate 39% of 70 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Financial Services names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| SYF | |
|---|---|
| 1 week | +0.8% |
| 1 month | −1.1% |
| Year to date | −13.4% |
| 1 year | +5.7% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| SYF | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 6 Aug |
| Average score0 most bearish, 100 most bullish | 70 |
| Bullish · bearisharticles above 60 · below 40 | 26 · 0 |
| Directionarticles whose tone is improving vs worsening | 26 ↑ 0 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 70 Financial Services names Clavix covers; the tick is the sector median.
Growth
| SYF | |
|---|---|
| Revenue growthyear over year | −2.8% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Financial Services median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openSynchrony Financial reported third-quarter net earnings of $892 million, or $2.68 per share, with purchase volume reaching nearly $50 billion and rising across all five of its sales platforms.
Synchrony (SYF) reported quarterly profit of $2.68 per share, beating analyst expectations of $2.48 per share, though earnings were down from $2.86 per share a year earlier.
Synchrony Financial announced its third-quarter 2026 results for the period ended September 30, 2026, along with a quarterly common stock dividend of $0.34 per share. The article excerpt provides no revenue, profit, credit or operating figures from the results.
The article previews Synchrony Financial's upcoming third-quarter earnings, noting that 7% growth in purchase volumes and higher interest-earning assets could help results, while rising costs and margin pressure may offset those gains.
BMO Capital Markets upgraded Synchrony Financial's stock rating to 'hold' in a research note on Thursday. The article provides no further detail on the prior rating, price target, or reasoning.
Nearest peers by size
Financial Services| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| AFRM | Affirm Holdings Inc | C- | $24.56B | 12.73 | 3.77 | Compare |
| LPLA | LPL Financial Holdings Inc | B | $24.90B | 25.10 | 0.55 | Compare |
| ARES | Ares Management Corp | B- | $25.31B | 39.86 | 1.56 | Compare |
| FISV | Fiserv Inc | B | $25.36B | 9.01 | 0.87 | Compare |
| GPN | Global Payments Inc | B | $22.38B | 15.89 | 0.87 | Compare |
| CPAY | Corpay Inc | B+ | $26.43B | 23.01 | 0.94 | Compare |
| TW | Tradeweb Markets Inc | B+ | $26.84B | 29.88 | 0.60 | Compare |
| TROW | T Rowe Price Group Inc | A- | $21.35B | 9.65 | 1.47 | Compare |
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