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SYF

Synchrony FinancialB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The $2.68 Q3 EPS result exceeded Benzinga's cited $2.43 consensus; purchase volume rose 8%, net charge-offs improved, and management's approximately $9.50 full-year EPS outlook is at the high end of its prior range. Barclays retained Overweight and raised its target from $93 to $94.
Posture
Constructive
Lead driver
Value
What changed
1 setup hits (3d) with net bullish as of 2026-10-24.
What can break
A $30 million Q3 reserve build versus a $152 million release a year earlier shows that lower charge-offs did not translate into lower provision expense. [#10-Q-2026-10-22] Q3 filing.
Momentum
56
Value
61
Sentiment
60
Setup hits (3d)
1 · Net Bullish
AI TargetsBase $81.00 · Bull $91.00 · Bear $59.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $87.04
Why
Momentum56 · Δ7d +15.6
Value61 · Δ7d -0.1
Sentiment60 · Δ7d -5.9
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 1 setup hits (3d) with net bullish as of 2026-10-24.
  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • A $30 million Q3 reserve build versus a $152 million release a year earlier shows that lower charge-offs did not translate into lower provision expense. [#10-Q-2026-10-22] Q3 filing.
  • • Management's 2026 outlook assumes a stable macroeconomic environment and no additional broad-based credit refinements or regulatory changes. Company outlook presentation.
  • • Q3 net earnings fell 17% year over year.

Catalyst clock

2026-10-20

Q3 earnings beat, but costs and reserves temper the outlook

Lead driver: Value · See fundamentals
Momentum
56
8% active weight
Current posture
7d trendFlat
Δ7d
+15.6
Δ21d
+20.1
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.3
Sentiment
60
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.9
Δ21d
-21.8
Why this grade

Composite grade B. Momentum 56.3 / Value 61.0 / Sentiment 59.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
30%
Probability
Target price
$91.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$81.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$59.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$23.96B
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data