Synchrony Financial (SYF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-10-30
$75.35-2.10%
Close 2026-10-30 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-10-30
Research Workspace
Put SYF beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue is growing steadily — about 1% over the past year.
View GrowthRanks among the strongest in its industry on quality — around the top 9%.
View QualityManagement screens strong on capital allocation, earnings delivery, the balance sheet, market reaction to earnings.
View ManagementExpectations look high — what the market is pricing in runs ahead of what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskSYF’s case rests on robust, cash-backed earnings and disciplined credit underwriting supporting steady financial performance. Recent quarterly earnings beats support that case, while revenue grew 6.0% year over year in Q1 FY2026. Third-quarter 2026 earnings beat consensus, and the reported result exceeded estimates. SYF trades at 1.5× P/B versus the 1.4× peer median. The market is pricing more growth than our forecast, so expectations look full. Our model puts the next-quarter miss probability near 21.0%. Peer multiples imply a price about 14% above where it trades; our read remains intact, and this read is provisional.
Trailing returns as of 2026-10-30. SYF is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 25 analysts currently covering SYF (as of Oct 2026).
Based on 13 Wall Street analysts offering 12-month price targets for SYF in the last 4 months.
Continue this research
Compare SYF with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Compare now without an account. Saving and monitoring require an account.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| SYF Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 13 valuation methods, at three horizons. As of 2026-10-30. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Compare the value case
Put SYF next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
2026 EPS outlook and CareCredit and AI initiatives support growth, though execution remains uncertain.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
Current $75.35
The last 12 months of price, then the range of analyst 12-month targets from today’s $75.35.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 10% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Maintain disciplined underwriting and credit strategy
Company slides report stronger volume and improving credit, supporting growth and disciplined underwriting despite cost pressures.
Advances: Maintain disciplined underwriting and credit strategy
Quarterly results presentation highlights stronger volume and improving credit performance.
Reported earnings and revenue beats support operating performance, though details are limited.
Third-quarter earnings beat supports performance, with no additional specifics in the headline.
Rising household debt strain could pressure borrowers and consumer-lender credit quality.
Advances: Invest in growth and innovation
AI-shopping research and trust focus support the innovation agenda, but impact remains indirect.
Advances: Maintain disciplined underwriting and credit strategy
Resilient spending and reaffirmed receivables growth outlook support underwriting and growth objectives.
