Synchrony Financial stock
SYFNYSEFinancial ServicesISIN US87165B1035
79Score 79 out of 100, Strong
Price and trend
54 / 100
Price history
−3.2% in one yearThe chart shows daily closes over 12 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 2.0% below it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 38).
The price is 19% below its 52-week high. Largest decline in 12 years: 68% (January 2018 to March 2020).
Chart figures for advanced users
- SMA 50$74.22
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$73.49
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)38
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$63.78
- The lowest closing price of the last twelve months.
- Resistance$88.47
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Synchrony Financial belongs to the Financial (Credit Services) industry (United States) and, with a market value of $23.43B, is number 10 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $19.12B (up 18.5% year on year) and earnings of $3.55B (up 1.5%).
- MEQIRI Score 79 out of 100 (Strong): rank 116 of 976 in Financial Services, median 68.
Show more
- The P/E is 7.2 (Financial (Credit Services) median 11.8, own median of recent years 7.4).
- Our model puts fair value at $134.50, with the price 46% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 39% since 2020.Capital allocation 91
- Earnings per share growingUp 32.6% a year since 2020.Growth 79
- High return on equityReturn on equity 20% over the last 12 months.Profitability 80
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and fundamentals.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $103.46 and expensive above $192.14 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $150.64 (excess return model) and $118.36 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 9.7%. At 10.7% the fair value would be $123.52, at 8.7% it would be $150.00.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 1.8% on the twelve months before. Revenue has grown solidly since 2011, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 24%, net 19%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 26 Jan 2027in 75 days
- Last reported
- 20 Oct 2026EPS reported $2.68 (expected $2.42)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $9.50+1.2%
- Revenue
- $15.13B+0.1%
- Earnings per share
- $10.42+0.2%
- Revenue
- $15.95B−0.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −0.8%2026 diluted EPS expected at $9.25 to $9.50, net interest income to grow and net charge-offs to stay below 5.5%.
“Given the performance of our business so far this year and the expectations for the remainder of 2026, we now expect to deliver between $9.25 and $9.50 in diluted earnings per share.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 21 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $1.65M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Synchrony Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 79
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- PayPal HoldingsPYPL $49.41B79
- ORIXIX $36.88B66
- Global PaymentsGPN $26.52B60
- Shriram FinanceSHRIRAMFIN.NS $24.34B75
- Affirm HoldingsAFRM $23.16B67
- SoFi TechnologiesSOFI $21.12B46
- Cholamandalam Investment and FinanceCHOLAFIN.NS $16.56B79
- Muthoot FinanceMUTHOOTFIN.NS $12.43B82
ETFs that hold Synchrony Financial
Held by 131 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Franklin Global Quality Dividend UCITS ETFFLXX | 1.31% | 0.30% | €127.44M |
| iShares STOXX USA Equity Multifactor UCITS ETFIBCY | 0.72% | 0.20% | €47.95M |
| iShares STOXX World Equity Multifactor UCITS ETFIS07 | 0.52% | 0.33% | €28.39M |
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| First Trust US Large Cap Core AlphaDEX UCITS ETFFTGU | 0.46% | 0.75% | €140.24M |
| Invesco Global Active ESG Equity UCITS ETFIQSE | 0.45% | 0.30% | €3.11B |
| Invesco S&P 500 QVM UCITS ETFQVMP | 0.42% | 0.35% | €50.82M |
| UBS Factor MSCI USA Prime Value Screened UCITS ETF USD disUBUS | 0.39% | 0.25% | €127.84M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.37% | 0.39% | €188.08M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.