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Financial Services

SYF Stock Analysis

Synchrony Financial · current price $78.06 (-2.32% today)

Top-tier setup — 4/4 EPS beats, 36% net margin. Momentum, fundamentals and macro indicators are aligned.
★★★★★
Top Tier
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The six-pillar scorecard

Momentum
60
Drifting higher
price trend
Growth
25
Barely growing
sales & profit growth
Quality
45
Some weak spots
profitability & balance sheet
Valuation
65
Fairly priced
is the price fair?
Sentiment
41
Mixed views
analyst & crowd mood
Risk
67
Moderate risk
volatility & drawdown

Each pillar is scored 0-100 inside the stock’s own peer group, so a chipmaker is measured against chipmakers. These are quality descriptors, not buy or sell signals.

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The picture

What drove the scoreThe seven components contributing most, each read out of 100.
FundamentalsFundamentals: 8484Earnings qualityEarnings quality: 8989Analyst consensusAnalyst consensus: 5050Trend strengthTrend strength: 100100RSI zoneRSI zone: 7070Relative strengthRelative strength: 65651-month momentum1-month momentum: 5050
Margin profileWhat survives each step down the income statement.
OperatingOperating: 50.2%50.2%NetNet: 35.5%35.5%Free cash flowFree cash flow: 97.8%97.8%
EPS surpriseReported EPS against estimate, last four quarters.
2026-06: +21.9% vs estimate+22%2026-062026-03: +5.1% vs estimate+5%2026-032025-12: +7.8% vs estimate+8%2025-122025-09: +29.3% vs estimate+29%2025-09
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Hype Check

Reading SYF’s price and volume history…

The audit — what has to hold for this thesis

Checking the areas that decide this thesis…

AI-generated from the company’s own filings and recent coverage, and it can be incomplete or wrong. A PASS is a reading of the cited evidence, not a verified fact and not a reason to buy. Follow each citation to the source.

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Dilution Check

Reading SYF’s filings…

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Latest earnings

LAST EARNINGS Synchrony Financial (SYF)

Latest earnings

EPS
$2.86 vs $2.21 est · +29.3% vs estimate BEAT
Revenue
$3.72B · -2.8% YoY
Stock reaction (1M)
+1.6%
Beat streak
4 of last 4 quarters
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Valuation

P/E
8.2×
Forward P/E
7.4×
PEG
1.13
Price / Sales
2.6×
Price / Book
1.7×
Analyst target
$89.30
Target range
$78.00 – $104.00
Implied upside
+14.4%
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Financial health

Operating margin
50.2%
Net margin
35.5%
FCF margin
97.8%
Return on equity
20.8%
Revenue growth YoY
+0.6%
EPS growth YoY
+3.6%
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Technicals

$63.0852-week range$88.77
RSI (14)
50
50-day MA
$76.61
200-day MA
$74.98
ATR (14)
1.99
Beta
1.31
1-month return
+1.6%
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Earnings

QuarterEPSEst.SurpriseResult
2025-09-30$2.86$2.21+29.3%Beat
2025-12-31$2.18$2.02+7.8%Beat
2026-03-31$2.27$2.16+5.1%Beat
2026-06-30$2.59$2.13+21.9%Beat
Beat 4 of the last 4 quarters.
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Ownership & risk

Short % of float
0.07%
Dividend yield
1.70%
Beta
1.31
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Latest news on SYF

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Frequently asked

What is SYF's Quant Score?

Synchrony Financial (SYF) currently has a TickerMover Quant Score of 69/100, rated ★★★★★ Top Tier. The Quant Score is a quantitative composite across six research pillars — momentum, quality, growth, valuation, sentiment and risk. It is research information, not investment advice.

Is Synchrony Financial (SYF) a buy?

TickerMover does not give buy or sell recommendations. SYF scores 69/100 (★★★★★ Top Tier) on our quantitative research model — a screening signal, not a personal recommendation. Do your own research, and consider an FCA-authorised adviser before investing.

How often is SYF's score updated?

SYF's Quant Score and underlying data refresh through US market hours (about every five minutes), using public market and fundamental data.

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