SYF · Synchrony Financial
Market Cap
$25.53B
Shares
325.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$78.05
Open$80.07
Day$78.03–80.89
52W close$63.78–88.47
Avg vol 30d3.6M
Short int17.9M · 5.5% float · 7.0d
Short vol69%
Last earningsAug 17, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Nov 20, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 23, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+4%
above
Price vs 50-day avg
+2%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
58%
mid-range
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+16%
trailing
YTD return
−6%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $77 › 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
5.51% of float · ▼ -5.3% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,003 holders — near 3-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
EPS growth
+9%
Y/Y
Valuation
P/E 8.1
below peers
Buyback
$5.7B
remaining
Balance sheet
$209.0M
net debt
Quant / Vol
risk profile
Volatility
32%
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
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 Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+4%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
58%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $77 › 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
5.51% of float · ▼ -5.3% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,003 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $64
Now $78 · 58%
Range high $88
vs 200-day avg +4%
vs 50-day avg +2%
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 | — |
| Average active accounts | 68.3M | second quarter 2026 | — |
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| Book value per share | $46.67 | second quarter 2026 | — |
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| Common Equity Tier 1 (CET1) capital ratio | 13.2% | Q2 2026 | — |
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| 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 | — |
| Efficiency ratio | 35.8% | second quarter 2026 | — |
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| 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 | — |
| Loan receivables | $102.2B | second quarter 2026 | — |
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| Loans 30+ days past due as a percentage of total period-end loan receivables | 4.16% | second quarter 2026 | — |
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| Loans 90+ days past due as a percentage of total period-end loan receivables | 2.01% | second quarter 2026 | — |
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| Net charge-offs | 5.43% | Q2 2026 | — |
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| Net charge-offs as a percentage of total average loan receivables | 5.43% | second quarter 2026 | — |
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| Net interest margin | 15.29% | Six Months Ended Jun 30, 2026 | — |
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| Payment rate | 17% | Q2 2026 | — |
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| Purchase volume | $49.8B | second quarter 2026 | — |
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| Return on assets | 2.9% | second quarter 2026 | — |
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| Return on equity | 21.4% | second quarter 2026 | — |
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| Return on tangible common equity non-GAAP | 25.2% | second quarter 2026 | — |
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| Tangible book value per share non-GAAP | $42.01 | Quarter Ended Jun 30, 2026 | — |
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| Tangible common equity as a % of tangible assets non-GAAP | 11.35% | Quarter Ended Jun 30, 2026 | — |
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| The allowance for credit losses as a percentage of total period-end loan receivables | 10.09% | second quarter 2026 | — |
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| Tier 1 capital plus Reserves for credit losses non-GAAP | $25.93B | Q2 2026 | — |
| Tier 1 leverage ratio | 13% | Quarter Ended Jun 30, 2026 | — |
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| Tier 1 risk-based capital ratio | 14.9% | Quarter Ended Jun 30, 2026 | — |
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| Total funding | 99.2B | Q2 2026 | — |
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| 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 | — |
| 30+ days past due as a percentage of period-end loan receivables | 4.54% | 1Q'26 | — |
| 30+ days past due loan receivables | $4.54B | 1Q'26 | — |
| 90+ days past due loan receivables | $1.35B | 1Q'26 | — |
| Allowance for credit losses | $10.43B | 1Q'26 | — |
| Average active accounts (in thousands) | 68.82M | 1Q'26 | — |
| Average loan receivables, including held for sale | $100.69B | 1Q'26 | — |
| Interest-bearing liabilities cost | 0.35% | Q1 2026 | — |
| Liquid assets | $23.8B | 1Q'26 | — |
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| Liquid assets as a percent of total assets | 18.8% | 1Q'26 | — |
| Liquidity portfolio yield | -0.12% | Q1 2026 | — |
| Loan receivables mix as a percent of Interest-earning assets | 83.03% | 1Q'26 | — |
| Loan receivables yield | 0.39% | Q1 2026 | — |
| Mix of Interest-earning assets | 0.14% | Q1 2026 | — |
| Net charge-offs annualized as a percentage of average loan receivables | 5.42% | 1Q'26 | — |
| Period-end active accounts (in thousands) | 67.83M | 1Q'26 | — |
| Period-end loan receivables | $100.09B | 1Q'26 | — |
| Retailer share arrangements as a percent of average loan receivables | 4.3% | 1Q'26 | — |
| Tangible common equity non-GAAP | $12.67B | 1Q'26 | — |
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| Capital Returned | $1.1B | fourth quarter 2025 | — |
| Liquid assets % of total assets | 13.9% | 4Q'24 | — |
| Liquid assets including undrawn credit facilities % of total assets | 15.69% | 4Q'25 | — |
| Period-end active accounts | 70.69M | YTD'25 | — |
| Risk-weighted assets (CECL fully phased-in) non-GAAP | $105.03B | 2025 | — |
| Tier 1 capital (CECL fully phased-in) plus Reserves for credit losses non-GAAP | $24.91B | 2025 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SYF
this stock
Synchrony Financial
|
$25.53B | -6.4% | — | 8.1 | 5.5% |
|
V
Visa Inc.
|
$680.94B | +8.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$518.36B | +4.3% | +16.4% | 32.6 | 0.8% |
|
AXP
American Express Co
|
$225.01B | -9.9% | +13.4% | 20.2 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.21B | -11.0% | +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 sectionOwnership
Short & Settlement
Smart Money
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SYF | -1.8% | +3.0% | +16.3% | +3.0% | -6.5% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -2.3% | 0.0% | +2.9% | 0.0% | -19.3% |
Capital returns
Latest dividend
$0.34
/ share · ex Aug 5, 2026
Paid (TTM)
$1.24
/ share · 4 payouts
Dividend yield (TTM, derived)
1.59%
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)
698 filings
652 filers
Visit website
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