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SYF

Synchrony FinancialC
NYSE / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
Primary company evidence improved with the April 21 earnings release and the May 15 monthly credit update. Q1 showed record purchase volume, lower net charge-offs, flat-to-up receivables, CET1 at 12.7%, and unusually large capital return capacity, and post-print external coverage pointed to several target increases tied to buyback strength and better credit outlook.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.9.
What can break
Monthly delinquency and charge-off improvement could reverse if consumer credit deteriorates again in May or June.
Momentum
32
Value
62
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $83.00 · Bull $92.00 · Bear $63.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $90.43
Why
Momentum32 · Δ7d -8.3
Value62 · Δ7d +0.3
Sentiment61 · Δ7d +4.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Sentiment · See AI snapshot
Momentum
32
34% active weight
Current posture
7d trendSoftening
Δ7d
-8.3
Δ21d
-27.8
Value
62
32% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.1
Sentiment
61
33% active weight
Current posture
7d trendImproving
Δ7d
+4.9
Δ21d
+14.4
Why this grade

Composite grade C. Momentum 32.1 / Value 62.3 / Sentiment 60.8

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$23.82B
Beta
1.42
Shares Out
360.17M
P/E (TTM)
9.5
P/S (TTM)
1.66
P/FCF (TTM)
3.38
Rev YoY
-0.9%
EPS YoY
+47.5%
Gross Margin
-
Op Margin
+24.7%
Net Debt
$751M
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology