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SYF

Synchrony FinancialB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 showed record purchase volume, growing receivables, improved delinquency and charge-off rates, strong capital generation, and reported higher FY26 EPS guidance. If second-half NIM and receivables growth materialize, the stock could re-rate toward the supplied analyst median target of $88.74.
Posture
Constructive
Lead driver
Sentiment
What changed
12 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Consumer credit deterioration could raise delinquencies, charge-offs, and provision expense.
Momentum
54
Value
61
Sentiment
68
Setup hits (3d)
12 · Net Bullish
AI TargetsBase $84.00 · Bull $95.00 · Bear $64.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $89.32
Why
Momentum54 · Δ7d -4.5
Value61 · Δ7d -0.0
Sentiment68 · Δ7d +0.8
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 12 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +0.8.

Contradictions & invalidation

  • • Consumer credit deterioration could raise delinquencies, charge-offs, and provision expense.
  • • Funding, liquidity, capital-ratio, or regulatory pressure could constrain buybacks and dividends.
  • • The earnings beat was partly offset by lower revenue and NIM versus expectations, higher expenses and operational losses, smaller reserve releases, elevated payment rates, and a negative immediate share reaction.

Catalyst clock

2026-07-21

Q2 release: EPS beat, record purchase volume, and improved credit

Lead driver: Sentiment · See AI snapshot
Momentum
54
9% active weight
Current posture
7d trendFlat
Δ7d
-4.5
Δ21d
-14.8
Value
61
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+0.1
Sentiment
68
62% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+1.8
Why this grade

Composite grade B. Momentum 54.2 / Value 61.0 / Sentiment 68.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
30%
Probability
Target price
$95.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$84.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$64.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$26.27B
Beta
1.42
Shares Out
325.37M
P/E (TTM)
9.5
P/S (TTM)
1.66
P/FCF (TTM)
3.38
Rev YoY
-0.4%
EPS YoY
+3.6%
Gross Margin
+81.4%
Op Margin
+28.5%
Net Debt
$209M
Current Ratio
3.72
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data