SYF
Synchrony FinancialPrice & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Allowance for credit losses as a percentage of total period-end loan receivables | 10.42% | Q1 2026 | — |
| Average active accounts | 68.8M | Q1 2026 | — |
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| Efficiency ratio | 35.6% | Q1 2026 | — |
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| Loans 30+ days past due as a percentage of total period-end loan receivables | 4.54% | Q1 2026 | — |
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| Loans 90+ days past due as a percentage of total period-end loan receivables | 2.28% | Q1 2026 | — |
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| Net charge-offs as a percentage of total average loan receivables | 5.42% | Q1 2026 | — |
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| Return on assets | 2.7% | Q1 2026 | — |
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| Return on equity | 19.5% | Q1 2026 | — |
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| digital platform purchase volume growth | 8% | Q1 FY2026 call | — |
| health and wellness purchase volume growth | 3% | Q1 FY2026 call | — |
| lifestyle platform purchase volume growth | 7% | Q1 FY2026 call | — |
| net interest margin | 15.5% | Q1 FY2026 call | — |
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| payment rate | 16.3% | Q1 FY2026 call | — |
| purchase volume | 43B | Q1 FY2026 call | — |
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| Book value per share | $44.74 | Q4 2025 | — |
| Loan receivables | 103.8B | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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SYF
this stock
Synchrony Financial
|
$24.67B | -11.9% | — | 7.6 | 5.4% |
|
V
Visa Inc.
|
$641.72B | +2.2% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$475.10B | -5.7% | +16.4% | 31.1 | 0.9% |
|
AXP
American Express Co
|
$241.84B | -4.0% | +13.4% | 22.1 | 1.6% |
|
COF
Capital One Financial Corp
|
$127.75B | -15.9% | +36.6% | 52.4 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SYF | -5.0% | +1.2% | -8.3% | -3.7% | -11.9% |
| SPY | -0.3% | +1.6% | +8.3% | +0.3% | +9.9% |
| vs SPY | -4.7% | -0.3% | -16.6% | -4.1% | -21.8% |
Capital returns
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.