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SYF

Synchrony FinancialB
NYSE / Financial Services
Last Price
At close
2026-07-18
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
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21 · BMO.
What can break
Monthly delinquency and charge-off improvement could reverse if consumer credit deteriorates again in May or June.
Momentum
41
Value
62
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $83.00 · Bull $92.00 · Bear $63.00
Earnings
2026-07-21 · BMO
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-13 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $89.43
Why
Momentum41 · Δ7d -14.7
Value62 · Δ7d -0.1
Sentiment58 · Δ7d -5.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
41
26% active weight
Current posture
7d trendSoftening
Δ7d
-14.7
Δ21d
-24.4
Value
62
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.1
Sentiment
58
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
+5.0
Why this grade

Composite grade B. Momentum 41.3 / Value 61.8 / Sentiment 57.7

Fundamentals (TTM)
As of 2026-07-13
Market Cap
$24.63B
Beta
1.42
Shares Out
336.37M
P/E (TTM)
9.5
P/S (TTM)
1.66
P/FCF (TTM)
3.38
Rev YoY
-2.9%
EPS YoY
+19.9%
Gross Margin
+81.0%
Op Margin
+24.7%
Net Debt
$209M
Current Ratio
5.08
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology