SYF · NYSE · STOCK
Synchrony Financial (SYF) Stock Analysis
$79.46
52W $63.08 – $88.77
66/100
$25.86B
8.1
1.31
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
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 80% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.25 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 — -10.75 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 primary driver is quarter-over-quarter growth rate is accelerating, not just positive. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 7.4 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
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
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 August 23, 2026
Overall Committee Score
66/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 21%
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 7.4 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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish 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
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 65.8 to 65.8.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
54.3
Neutral
MACD Histogram
-0.134
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$69.77
Resistance
$79.62
Bollinger %B
0.65
Inside Bands
Price vs Moving Averages
EMA 9
$79.11
Above
EMA 21
$78.12
Above
EMA 50
$76.31
Above
EMA 200
$73.51
Above
Fundamental Analysis
Valuation
100
Growth
74
Profitability
80
Financial Health
88
Cash Flow
70
Valuation
P/E Ratio
8.1×
P/B Ratio
1.56×
PEG Ratio
0.43
Dividend Yield
1.56%
52W High
$88.77
52W Low
$63.08
Quality & Growth
ROE
2118.6%
ROA
298.2%
Gross Margin
6830.0%
Operating Margin
2356.8%
Revenue Growth YoY
—
Debt / Equity
0.97
AI Fundamental Assessment
P/E ratio of 8.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.6x; 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 17.7%; Gross margin of 68.3%; 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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