SYF
Synchrony Financial Financials Finance Services S&P 500Russell 3000
$75.35Close
$26.1BMarket cap
$63.25 – $87.3852-week range
Mid-januaryNext report · estimated
Highlights
Cautions
- Not in an uptrend 5 of 8 trend conditions
- Lagging the market RS 45 · weaker than 55% of stocks over 12 months
- Earnings shrinking EPS −5% year on year
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
14%
1wk
up 2.3%
price change
1mo
up 6.2%
price change
12-month return
up 4%
market up 11% ·
its own down 6%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
7.4×
price / earnings
PEG
0.84
P/E / EPS growth
P/B
1.6×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
down 3%
year on year
EPS growth
down 5%
latest quarter · -9 pts
Sales growth
up 1%
latest quarter · -1 pts
ROE
up 21%
return on equity
Free cash margin
—
D/E
0.91
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Trade setup
ATR%
2.6%
$1.92 a day · 2×ATR $71.50
RS
45 / 99
vs the universe
Trend
5 / 8
200-day not rising, under 30% off the low, RS under 70
Relative volume
0.9×
vs 50-day average
Up/down volume
1.22
50 sessions
Implied move
—
no scheduled report
Trend template · 5 of 8
- Price above the 150 and 200-day averages: passes
- 150-day average above the 200-day: passes
- 200-day average rising for a month: fails
- 50-day average above the 150 and 200-day: passes
- Price above the 50-day average: passes
- At least 30% above the 52-week low: fails
- Within 25% of the 52-week high: passes
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- Revenue shrinking Revenue fell 2.8% over the year, from $19.5B to $19.0B.
Last reported
Oct 20, 2026
Results reaction
Oct 20, 2026-1% vs market2 sessions after results
Options
$816,51432.5% IV · activity
Financials
- Net 19%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $14.8B | $14.7B | $16.0B | $17.3B | $19.5B | $19.0B |
| Net income | $1.4B | $4.2B | $3.0B | $2.2B | $3.5B | $3.6B |
| Net margin | 9% | 29% | 19% | 13% | 18% | 19% |
| Earnings per share | $2.34 | $7.41 | $6.24 | $5.28 | $8.73 | $9.50 |
| Cash | $11.5B | $8.3B | $10.3B | $14.3B | $14.7B | $15.0B |
| Long-term debt | $15.8B | $14.5B | $14.2B | $16.0B | $15.5B | $15.2B |
| Shareholders' equity | $12.7B | $13.7B | $12.9B | $13.9B | $16.6B | $16.8B |
| Shares outstanding | 584.01m | 526.83m | 438.22m | 406.88m | 388m | 347m |
What options price now
- Expected 1-month range The at-the-money straddle for the expiry nearest a month out, as a share of the price: the move, either way, the option market is pricing by then. The range is the price plus and minus that move; the stock ends inside it a little more often than not. Methodology
- $70 – $80 ±6.5% by Nov 20, 2026
- Swings expected vs recent The daily swings the options are priced for (implied volatility) against the swings the stock actually had over the last 20 sessions (realised volatility). Bigger means options charge for more movement than the stock has been delivering; smaller, less. On a contract row, that contract's own implied volatility over the stock's realised. Methodology
- Bigger 32.5% priced · 24.5% recent
- Next month vs later At-the-money implied volatility for 8-45 day expiries over 46-90 day ones: whether options price the coming month as choppier or calmer than the two after it. Ahead of a report it usually reads choppier, and the extra comes out once the report is out. Methodology
- Choppier
- Crash protection What options that pay off in a fall cost against options that pay off in a rise (the 25-delta skew), compared with this company's own normal - the median of its stored nightly readings, once there are 20 - and with five sessions ago. Protection costs a little more than upside on most shares. More than usual means readers of the chain are paying up to insure against a drop; it does not say which way the stock will go. Methodology
- past week: costs less
Positioning
- Premium traded
- $816,514 calls $808,238 · puts $8,277 · latest session
- 0.01× -2.08 over the week
- Open interest added The change over five sessions in option positions left open overnight, calls and puts. A rise means positions were added. It cannot say whether they were bought or sold, so more calls is not a vote for a rise: a call is as often sold against shares already held. Methodology
- calls +373 · puts +192 past week
For options traders: ATM IV 32.5% (+1.1% 1w) · 1m ÷ 3m IV 1.05 · 25Δ skew 2.4 pts · Net GEX $1.1M
Most traded contracts
No contract passed the liquidity filters this week.
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Oct 22, 2026 | Quarterly ↗ | Sep 30, 2026 | 22d |
| Jul 23, 2026 | Quarterly ↗ | Jun 30, 2026 | 23d |
| Apr 23, 2026 | Quarterly ↗ | Mar 31, 2026 | 23d |
| Feb 6, 2026 | Annual ↗ | Dec 31, 2025 | 37d |
| Oct 22, 2025 | Quarterly ↗ | Sep 30, 2025 | 22d |
| Jul 23, 2025 | Quarterly ↗ | Jun 30, 2025 | 23d |
| Apr 24, 2025 | Quarterly ↗ | Mar 31, 2025 | 24d |
| Feb 7, 2025 | Annual ↗ | Dec 31, 2024 | 38d |
| Oct 23, 2024 | Quarterly ↗ | Sep 30, 2024 | 23d |
| Jul 19, 2024 | Quarterly ↗ | Jun 30, 2024 | 19d |
| Apr 25, 2024 | Quarterly ↗ | Mar 31, 2024 | 25d |
| Feb 8, 2024 | Annual ↗ | Dec 31, 2023 | 39d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 20, 2026 | Regulation FD ↗ |
| Oct 20, 2026 | Results ↗ |
| Sep 14, 2026 | Regulation FD ↗ |
| Aug 17, 2026 | Results ↗ |
| Jul 31, 2026 | Other events ↗ |
| Jul 21, 2026 | Regulation FD ↗ |
| Jul 21, 2026 | Results ↗ |
| Jun 29, 2026 | Director or officer change · Regulation FD ↗ |
| Jun 25, 2026 | Shareholder vote ↗ |
| Jun 9, 2026 | Regulation FD ↗ |
| Jun 5, 2026 | Holder rights changed · Charter or bylaws · Other events ↗ |
| May 15, 2026 | Regulation FD ↗ |