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Synchrony FinancialNYSEFinancialsCredit ServicesSnapshot 2026-06-12
Watch· 1–3 mo
$73.36+1.42%
Close 2026-06-12 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak, and the sector backdrop presents a headwind. Earnings quality is robust, indicating that cash backs up reported profits, while management's recent track record is neutral. Peer multiples imply a price about 8% above where it trades (it looks cheap on this basis); the read is fair, but weakening. Key factors to watch include any potential guidance cuts from SYF and the performance of sector bellwethers like V, MA, and AXP. This read is provisional.
as of 2026-06-12
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Credit Services
- Market cap
- $24.33B
- Employees
- —
- IPO date
- 2014-03-13
- Next earnings
- 2026-07-28
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 8 valuation methods, at three horizons. Current price $73.36. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfair
$85.84consensus
Range $59.23 – $107.41
vs price: -15% below
Method agreement — · 8 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfair
$80.77consensus
Range $35.28 – $115.94
vs price: -9% below
Method agreement — · 7 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfair
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Cheap vs peershigh confidence
At $73 SYF trades at 7× p/e, below its 11× p/e peer median. Our $83 fair value sits above the price; high confidence. Analysts: $81–$84. Not investment advice.
Multiple (P/E)
7.5x
peer 10.9x · own history 7.2x
Premium
0.7x peer
1.0x its own history
Growth the price needs
-12%
our forecast 8%
Our fair value
$83.27
range $59.23 – $107.41
Analyst range(a guide on our number, not a target)Our number is in the analyst range
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fairfair — but weakening12-month view
What's priced inJustified
The price implies about 12% below a flat-multiple fair value, below our forecast of about 8%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
28th pctl · Financials
Earnings quality
robustOver the trailing year it converted 2.73x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
85th pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Neutral16 analysts, 63% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $2.10 → $2.10 (-0.1% / 30d). 2 raised, 10 cut, 16 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 63% of analysts rate Buy.
Price target activity
1 PT revisions / 30d. Avg target 12.5% above current price.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth (~3.2 years in phase).
Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: strong
- Capital allocation
- strong
- Earnings discipline
- strong
- Margin discipline
- neutral
- Balance sheet
- strong
- Post-call reaction
- strong
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$109.
How much price usually moves either way.
On a bad day, this stock has moved -$313.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,762.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-12
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-12
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceQuartersactive 7d
Watch for Q2 purchase volume growth below 6%
Why it matters: A slowdown in purchase growth may show weaker consumer demand. This could hurt earnings.
What confirms / what disproves
Confirms:Q2 purchase volume growth reported below 6% year over year.
Disproves:Q2 purchase volume growth exceeds 6% year over year.
Earnings call
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for SYF yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
- Watch for changes in FOMC interest rate policy on June 17
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like V, MA, and AXP keep beating earnings and guiding higher, the Financials sector momentum should keep lifting SYF and other Financials names. Worth watching these names for early signals.
- If SYF raises forward guidance on the next earnings call (currently NEW as of 2026-04-21), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If SYF cuts guidance on the next call (currently NEW as of 2026-04-21), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on SYF and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like V, MA, and AXP start missing or guiding lower, the Financials tailwind helping SYF and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-06-058d agoItem 8.01
Other Events. On June 2, 2026, the Company entered into an underwriting agreement (the “ Underwriting Agreement ”) with BofA Securities, Inc., Barclays Capital Inc. and Morgan Stanley & Co. LLC as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “ Underwriters ”), to issue and sell to the Underwriters an aggregate amount of 500,000 Depositary Shares, each representing a 1/100th ownership interest in a share of the Series C Prefe…
Capital allocationneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
+9.0 vs last weeklatest as of 2026-06-13
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.