SYF Synchrony Financial

$69.56▼ -3.83% Financials Other Last sync: just now Syncing
Key Metrics & Fundamentals
Market Cap
$23.40B
P/E Ratio
7.5
Div Yield
1.66%
52W Range
59.46 - 88.77
% vs 50 MA
-0.50%
% vs 200 MA
-2.63%
RSI-14
52.8
MACD Histogram
+0.0800
Beta (1Y vs SPY)
1.29
Free Cash Flow
$2.18B
Gross Rev
$3.70B
Gross Profit
$3.70B
EBITDA
–
COGS
–
Operating Exp
–
Operating Income
–
EBIT
–
Pretax Income
$1.05B
Net Income
$805.00M
EPS (Diluted)
2.27
Price & Volume History
Volume (M)
Financial Overview - Income Statement Quarterly
Social Sentiment
Avg +0.30 · 3 posts
Citrine Research: Market manipulation or coincidence?
r/stocks · Feb 25, 2026
The report's authors are bearish on SYF, implying a negative sentiment.
negative -0.50
DDTradeDiscussionNewsSYF - Anyone else have puts on this?
r/wallstreetbets · Jan 12, 2026
The author expresses concern about the impact of a 10% interest rate cap and a 9% loss, indicating a negative sentiment.
negative +0.70
NewsTradeDDFront-Running Populist Reforms: Eyeing SYF Puts to Capitalize on Credit Cap Risks
r/options · Jan 11, 2026
The post highlights a potential opportunity due to regulatory changes and a specific trade plan, indicating a positive outlook.
positive +0.70
AI Analysis
Generated May 27, 8:32 PM
Company Overview

Synchrony Financial is a leading consumer financial services company specializing in private label credit cards, dual-branded credit cards, and installment loans. It partners with a wide range of national and regional retailers, healthcare providers, and automotive businesses, establishing a strong niche in tailored financing solutions.

Bull Case
  • An attractive P/E ratio of 7.5 suggests the stock may be undervalued relative to its earnings, potentially offering a compelling entry point for investors.
  • Trading 18.8% below its 52-week high indicates significant upside potential if the stock reverts to its previous peak levels.
  • The company's substantial market capitalization of $24.25 billion reflects its established presence and stability within the financial services sector.
  • Slightly above its 50-day moving average (+0.3%) indicates some recent positive price action and short-term support.
Bear Case
  • Trading 3.2% below its 200-day moving average suggests a bearish long-term trend, indicating potential resistance and a lack of sustained upward momentum.
  • As a consumer lender, Synchrony is highly susceptible to economic downturns, which can lead to increased credit losses and reduced consumer spending.
  • The company's performance is closely tied to the health and sales volumes of its private label credit card partners, posing concentration risk and vulnerability to retail sector shifts.
  • The private label credit card market is competitive, facing pressure from traditional banks and evolving payment technologies, which could impact market share and profitability.
Recent Performance

SYF has experienced a significant pullback, trading 18.8% below its 52-week high, indicating recent investor caution or weakness. Despite a slight positive daily change and holding just above its 50-day moving average, it remains below its 200-day moving average, signaling a longer-term downtrend. The neutral RSI of 47.8 suggests the stock is neither overbought nor oversold, implying a lack of immediate technical pressure for a strong reversal in either direction.

AI-generated analysis is for informational purposes only and does not constitute financial advice.

Not Financial Advice. All data, scores, charts, and analysis on this site are provided for informational and educational purposes only and do not constitute financial, investment, legal, or tax advice. Past performance is not indicative of future results. Always consult a qualified financial advisor before making any investment decisions. See our Legal Notice for full details.
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