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SYF

Synchrony Financial SYF

$73.62 -0.66 (-0.89%)
Neutral · -0.19σ
Mkt cap $24.8B
P/E 7.1
Day $71.99 – $74.05
52wk $63.08 – $80.22
Avg vol
Beta
Div yld
Next earnings

Quick read

Plain English

Synchrony Financial is a financial services company listed in the US.

SYF last traded at $73.62, down 0.9% on the day; that's in the middle part of its 52-week range ($63.08–$80.22). Right now it's trading close to its recent average, with no strong stretch in either direction.

Earnings reports are the biggest scheduled catalysts to keep an eye on, and day to day, watch whether it holds above or slips below its recent average.

A plain-English snapshot built from the data on this page — not investment advice. Always do your own research.

Today's read

Grading desk →

below KC1 upper, -0.19 ATR from EMA21 — no notable pattern

Long
score 9 · tech 9 / 80 · support 0 / 20
above KC1 lower, -0.19 ATR from EMA21 · no notable pattern
How this grade was earned
total 9 pts
Cycle position 6
Market fit 3

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Short
score 12 · tech 12 / 80 · support 0 / 20
below KC1 upper, -0.19 ATR from EMA21 · no notable pattern
  • · Aligned with weak downtrend
How this grade was earned
total 12 pts
Cycle position 6
Market fit 6

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

132-Day Trend Zones

Full chart →
21 EMA +1 ATR +2 ATR −2 ATR
O H L C

Valuation & accounting

Valuation desk →

Our cash-flow model pegs fair value near $560.71 (fair range $134–$586); today's price leaves a +88% cushion below that estimate. The model's verdict is “Deep value” and accounting quality screens as Adequate. Model estimates only — do your own due diligence.

Intrinsic (DCF)
$560.71
Fair-value range
$133.61 – $585.72
Margin of safety
+88%
Verdict
Deep value
Accounting quality Adequate
  • ✓ More cash than debt
  • ✓ Goodwill 1% of assets (organic growth)
  • ✓ Positive retained earnings
  • ✓ Net margin 36%
  • ⚠ Debt/equity 6.10 (fragile)

Price implies ~-34% growth (vs trailing rev yoy). Model estimate — do your own due diligence.

Key statistics

All statistics →

SYF is a $24.8 billion company, priced at 7× last year's earnings.

Mkt cap $24.8B
P/E ttm 7.1
Fwd P/E
Beta
Day range $71.99 – $74.05
52w range $63.08 – $80.22
Avg vol
RSI(2) 35.5
ROE
Net mgn
FCF mgn 65.8%
Debt/Eq
Div yld
Sector Financial Services
Industry Credit Services
Next earn
52-week range · today's price
$63.08$80.22

More on SYF

Options idea

See more →
CALL $75 2026-08-21
$2.60
PUT $75 2026-08-21
$4.20