SYF · NYSE · STOCK
Synchrony Financial (SYF) Stock Analysis
$72.80
52W $63.08 – $88.77
66/100
$23.69B
7.4
1.34
Is SYF Bullish or Bearish?
Bullish.
Innellis AI committee rates Synchrony Financial (SYF) Buy with a composite score of 66/100
, based on 5 analysts with 60% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.40 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.60 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 6.8 is inexpensive for the broad market — Value
- ROE of 20.9% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.4% pays you to wait — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
Insufficient data for bear case.
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
66/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 20%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 6.8 is inexpensive for the broad market
Growth Analyst
bullish
75
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 65.6 to 65.6.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
50.4
Neutral
MACD Histogram
0.243
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$69.77
Resistance
$77.41
Bollinger %B
0.48
Inside Bands
Price vs Moving Averages
EMA 9
$72.49
Above
EMA 21
$73.35
Below
EMA 50
$74.71
Below
EMA 200
$73.92
Below
Fundamental Analysis
Valuation
100
Growth
74
Profitability
76
Financial Health
88
Cash Flow
70
Valuation
P/E Ratio
7.4×
P/B Ratio
1.43×
PEG Ratio
0.40
Dividend Yield
1.70%
52W High
$88.77
52W Low
$63.08
Quality & Growth
ROE
2118.6%
ROA
298.2%
Gross Margin
5226.0%
Operating Margin
2433.7%
Revenue Growth YoY
—
Debt / Equity
0.97
AI Fundamental Assessment
P/E ratio of 7.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 21.2%; Return on assets of 3.0%; Net margin of 18.6%; Gross margin of 52.3%; Current ratio of 3.72 (healthy short-term liquidity); Debt-to-equity of 0.97; Free cash flow per share is positive (29.26); Most recent quarter beat estimates by 21.5%; 2 consecutive earnings beats; EPS growth accelerating (+11.3% -> +14.1% QoQ); Average YoY EPS growth of 3.6%; Analyst estimates rising over recent quarters
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