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NYSE · SYF · Credit Services

Synchrony Financial (SYF) stock analysis

$74.11+1.02%Data as of Oct 21, 2026
  • SYF gained 2.0% over the past month versus 0.0% for the S&P 500, ranking 271st of 497 S&P 500 stocks.
  • Over 12 months it returned +3.8%, 12.0 points behind the S&P 500, and trades 15.5% below its 52-week high.
  • In the last 30 days 7 analysts raised earnings estimates and 4 cut; forward EPS moved −0.1% (−0.4% over 90 days).
  • It sits in the Cards & consumer credit segment of the Banking, Credit & Payments, where the 1-month median return is +3.0%.
  • The daily chart reads Intermediate downtrend · Low consolidation (since Oct 20, 2026).
Market cap$24.1B
12-month return+3.8%
Forward P/E7.1×
Mean target vs price+18.6%

One-year price with 50- and 200-day averages

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65.872.779.686.5JanAprJulOct
74.1150-day200-day

Performance vs the market

Total price return against the S&P 500 (SPY) and the median of US stocks in the same sector.

SYF+2.0%
Sector median−1.1%
S&P 5000.0%
SYF+3.7%
Sector median−1.6%
S&P 500+4.7%
SYF−5.4%
Sector median+4.3%
S&P 500+8.7%
SYF+3.8%
Sector median+15.0%
S&P 500+15.8%
1-month rank in the S&P 500271 / 497
3-month rank in its sector · Financial Services198 / 688

Chart structure

Read by our daily-bar structure engine from swing highs, swing lows and moving averages.

Intermediate downtrend · Low consolidationAwaiting confirmation

Holding since Oct 20, 2026

  • Price and averages have mixed alignment
  • EMA50 fell over the last ten sessions
  • Confirmed swing highs and lows are rising
  • Some swings conflict with the averages
This pattern on this stock

37 occurrences in 10 years. The median move over the next 20 sessions was −1.0%, positive 43% of the time, against +1.2% for any day in the same period.

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Analyst earnings revisions

Changes to the consensus forward-EPS estimate. Rising estimates mean analysts see more profit ahead.

Forward EPS$10.46
30-day change−0.1%
90-day change−0.4%
Mean target$87.88 +18.6%
Raised (30d) 7Cut (30d) 4

24 analysts cover the stock

Fundamental shape vs peers

Six dimensions on fixed scales. The filled shape is the company; the outline is the peer average.

Open the full Radar with every ratio
ValuationRevisionsMomentumGrowthCashProfit

Ahead of peersValuation

Behind peersMomentum

PeersV · MA · AXP · COF

Where it sits in the supply chain

Banking, Credit & Payments · Banking & lending

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Supplied by
Credit data & scoring−1.5%
EFX+9.9%1 monthFICO−13.0%1 month
Its segment
Cards & consumer credit+3.0%
COF+3.0%1 monthAXP+6.1%1 monthSYF+2.0%1 month

Consumer credit combines payment and lending exposure.

Sells into
Households, businesses & merchants

Figures are each company's 1-month return; the segment shows its median · Doubler daily batch · company chain maps

Risk profile

Max drawdown, 12M−27.6%
Volatility, 60D25.7%
From 52-week high−15.5%
From 52-week low+16.7%
Trailing P/E7.6×
Forward P/E7.1×

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