SYF · Synchrony Financial
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative 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 |
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| Allowance for credit losses as a percentage of total period-end loan receivables | 10.09% | second quarter 2026 | — |
| Average active accounts | 68.3M | second quarter 2026 | — |
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| Capital Returned | $950M | second quarter 2026 | — |
| CET1 Ratio | 13.2% | second quarter 2026 | — |
| Efficiency ratio | 35.8% | second quarter 2026 | — |
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| 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 as a percentage of total average loan receivables | 5.43% | second quarter 2026 | — |
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| Net interest margin | 15.08% | second quarter 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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| Book value per share | $45.29 | first quarter 2026 | — |
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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 |
|---|---|---|---|---|---|
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SYF
this stock
Synchrony Financial
|
$25.84B | -2.9% | — | 8.1 | 5.8% |
|
V
Visa Inc.
|
$641.36B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$141.47B | -6.2% | +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 sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SYF | +3.1% | +10.0% | +17.6% | +6.9% | -2.9% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +2.7% | +5.6% | +3.8% | +3.0% | -16.8% |
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.