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SYF · Synchrony Financial

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$78.91 +2.20 (+2.87%)
Market Cap
$25.08B
Shares
325.37M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$76.71 Open$78.86 Day$75.66–79.24 52W close$63.78–88.47 Avg vol 30d3.5M Short int18.9M · 5.8% float · 4.4d Short vol85% Last earningsAug 17, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 23

Up next

Next earnings call
Nov 20, 2026 Est · unconfirmed · in 13 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 23, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +3%
      above
      Price vs 50-day avg +1%
      above
      RSI (14) 47
      neutral
      MACD trend Negative
      52-week position 52%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return +7%
      trailing
      6-month return +11%
      trailing
      YTD return −8%
      this year
      Relative strength 0%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $76 › 200d $75 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +119 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      5.82% of float · ▼ -2.2% MoM · 4.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      997 holders — near 3-yr high, broad support
      Squeeze score 71
      high risk · 0–100
      Fundamentals
      Excellent
      EPS growth +9%
      Y/Y
      Valuation P/E 7.9
      below peers
      Buyback $5.7B
      remaining
      Balance sheet $209.0M
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 31%
      annualized · 1-yr
      Max drawdown −28%
      past year
      ATR 2.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jul 21, 2026
      Earnings per diluted share · FY'26 Initiated $9.25 – $9.50
      prior FY $9.28 midpoint +1.0% Y/Y
      Net charge-off rate · FY'26 Initiated up to 5.5%
      Prior guidance period ended · from the 8-K filed Oct 15, 2025
      Net charge-offs · full year 2025 5.6% – 5.8%
      Efficiency ratio · full year 2025 32% – 33%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +3% Bullish
      Price vs 50-day avg
      +1% Bullish
      RSI (14)
      47 Neutral
      MACD trend
      Negative Bearish
      52-week position
      52% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $76 › 200d $75 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +119 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      5.82% of float · ▼ -2.2% MoM · 4.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      997 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $64 Now $77 · 52% Range high $88
      vs 200-day avg +3% vs 50-day avg +1%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      30+ delinquency rate 4.2% Jul 31, 2026 —
      Adjusted net charge-off rate non-GAAP 4.9% Jul 31, 2026 —
      Net charge-off rate 4.7% Jul 31, 2026 —
      Common Equity Tier 1 (CET1) capital ratio 13.2% Q2 2026 —
      DIGITAL Average active accounts 20.66M Quarter Ended Jun 30, 2026 —
      DIGITAL Period-end loan receivables 29.01B Quarter Ended Jun 30, 2026 —
      DIVERSIFIED & VALUE Average active accounts 20.16M Quarter Ended Jun 30, 2026 —
      DIVERSIFIED & VALUE Period-end loan receivables 20.77B Quarter Ended Jun 30, 2026 —
      HEALTH & WELLNESS Average active accounts 7.58M Quarter Ended Jun 30, 2026 —
      HEALTH & WELLNESS Period-end loan receivables 15.39B Quarter Ended Jun 30, 2026 —
      HOME & AUTO Average active accounts 17.38M Quarter Ended Jun 30, 2026 —
      HOME & AUTO Period-end loan receivables 30.35B Quarter Ended Jun 30, 2026 —
      LIFESTYLE Average active accounts 2.54M Quarter Ended Jun 30, 2026 —
      LIFESTYLE Period-end loan receivables 6.61B Quarter Ended Jun 30, 2026 —
      Net charge-offs 5.43% Q2 2026 —
      Payment rate 17% Q2 2026 —
      Return on tangible common equity non-GAAP 25.2% second quarter 2026 —
      Tangible book value per share non-GAAP $42.01 Quarter Ended Jun 30, 2026 —
      Tangible common equity as a % of tangible assets non-GAAP 11.35% Quarter Ended Jun 30, 2026 —
      The allowance for credit losses as a percentage of total period-end loan receivables 10.09% second quarter 2026 —
      Tier 1 capital plus Reserves for credit losses non-GAAP $25.93B Q2 2026 —
      Tier 1 leverage ratio 13% Quarter Ended Jun 30, 2026 —
      Tier 1 risk-based capital ratio 14.9% Quarter Ended Jun 30, 2026 —
      Total funding 99.2B Q2 2026 —
      Total SYF Average active accounts 68.34M Quarter Ended Jun 30, 2026 —
      Total SYF Period-end loan receivables 102.21B Quarter Ended Jun 30, 2026 —
      Total SYF Purchase volume 49.83B Quarter Ended Jun 30, 2026 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      SYF
      Synchrony Financial
      this stock
      		$25.08B -8.1% — 7.9 5.8%
      V
      Visa Inc.
      		 $652.62B +4.3% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $502.58B +0.5% +16.4% 31.6 1.0%
      AXP
      American Express Co
      		 $223.63B -10.5% +13.4% 20.1 1.8%
      COF
      Capital One Financial Corp
      		 $132.22B -12.3% +36.6% — 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      997
      % held
      106.3%
      Net QoQ
      -4.1M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      835
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      18.9M
      Days to cover
      4.4d
      Change
      -421.4K sh
      View
      Short Volume
      Short vol %
      85%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      3.4K
      Value
      $247.8K
      As of
      Jul 20, 2026
      View
      Off-Exchange
      Off-exchange %
      42.4%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Sell
      Member
      Josh Gottheimer
      Amount
      $15.0K–$50.0K
      Traded
      Apr 9, 2026
      View
      Financials
      Financials
      Net income (FY)
      $3.6B
      EPS diluted
      $9.28
      View
      Buybacks
      Remaining
      $5.7B
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 17, 2026
      This year
      21
      View
      Proposed Sales
      Value
      $436.5K
      Shares
      5.5K
      Filed
      Aug 13, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 17, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      SYF -4.2% +6.9% +11.0% +1.2% -8.1%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY -2.3% +3.6% -0.2% -0.9% -19.9%

      Capital returns

      Latest dividend
      $0.34 / share · ex Aug 5, 2026
      Raised 13.3%
      Paid (TTM)
      $1.24 / share · 4 payouts
      Dividend yield (TTM, derived)
      1.62%
      Buyback program · as of Jun 30, 2026
      Authorized
      —
      Spent (derived)
      —
      Remaining
      $5.70B

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1601712 CUSIP 87165B103 13F (30d) 862 filings 825 filers Visit website Investor relations

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