Stock Analysis
Synchrony Financial (SYF) Stock Analysis
Synchrony Financial (SYF) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
Synchrony Financial (SYF) currently has an AIQ Score of 66/100, indicating a neutral setup. Momentum is the strongest factor at 76/100. Quality is the weakest current factor at 58/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
SYF at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $75.35 |
| AIQ Score | 66/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Strong Buy |
| Market Cap | $23.96B |
| P/E Ratio (TTM) | 7.61 |
| Forward P/E | — |
| EPS (quarter ended 2026-09-30) | $2.71 |
| Revenue (quarter ended 2026-09-30) | $4.8B |
| Dividend Yield (TTM) | 1.68% |
| Beta | 1.34 |
| Volume | 2.92M |
| 52-week range | $63.08-$88.77 |
| RSI 14 | 65.62 |
| 50-Day SMA | $75.05 |
| 200-Day SMA | $73.62 |
| Analyst Price Target | $88.67 |
| Next Earnings | Jan 26, 2027 |
SYFSynchrony Financial
Financial Services / Financial - Credit Services
Leader
Strong Relative Position
Latest quote
- Momentum76
- Value68
- Quality58
- Risk resilience64
- Sentiment—
SYF Stock Analysis Summary
Synchrony Financial (SYF) currently has an AIQ Score of 66/100, indicating a neutral setup. Momentum is the strongest factor at 76/100. Quality is the weakest current factor at 58/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, SYF has AIQ Score of 66/100 with Momentum base of 76/100 and fading Quality at 58/100. Wait for component alignment before adding exposure.
Financial Services · -2.10% stock move · SYF classified in Financial - Credit Services.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is SYF Bullish or Bearish Right Now?
SYF currently has a neutral overall setup. Momentum is the strongest factor at 76/100, while Quality is weakest at 58/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Momentum is constructive at 76/100.
- - Risk Resilience is supportive at 64/100.
- - Price is +2.56% above its 50-day SMA.
- - Analyst target implies +17.68% upside from the latest quote.
- - Technical consensus has more buy votes than sell votes (36 vs 7).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
SYF's Technical Analysis Consensus is currently Strong Buy, with 36 buy, 2 neutral, and 7 sell votes. SYF's 14-day RSI is 65.62, which places the stock in a constructive momentum range. SYF's beta is 1.34, indicating greater market sensitivity than the broad market.
What Changed in SYF?
The largest recent change in SYF is Momentum moving up by 15.0 points over the available 7-day comparison window. Momentum remains the strongest visible factor.
What Would Change the SYF Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
SYF Decision Framework
Public evidence layers, setup checks, and risk context for Synchrony Financial.
Synchrony Financial (SYF) Stock Analysis
Synchrony Financial has an AIQ Score of 66/100 in a Neutral regime. Momentum is strongest at 76/100. Beta is 1.34, above market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | SYF is in a Neutral AIQ regime with score 66/100. |
| Signal Conflict | The primary conflict is that momentum leads at 76/100 while quality lags at 58/100. |
| Factor Evidence | Momentum 76/100 · Value 68/100 · Quality 58/100 · Risk 64/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 76/100.
Momentum is 76/100 and RSI (14) is 65.6.
SYF is in a Neutral regime at 66/100.
Risk factor is 64/100 with beta 1.34 and annual volatility 31.17%.
Current conflict: momentum leads at 76/100 while quality lags at 58/100.
SYF Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
SYF Fundamentals
SYF valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
SYF Technical Analysis
SYF technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
SYF Stock Catalysts
Track SYF earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
SYF Dividend Analysis
SYF dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
SYF Financial Data
SYF revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
SYF Risk Analysis
SYF volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
SYF Stock News
SYF stock news, market tone, recent headlines, and catalyst context.
SYF vs Fintech & Payments Peers
Current peer cohort: SYF · TREE · UPST · V · WEX. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| SYF Current stock | 66/100 | 68/100 | 76/100 | 64/100 | 0.19 | 31.17% | Current |
| TREE LendingTree | 67/100 | 71/100 | 70/100 | 31/100 | -0.84 | 68.00% | SYF vs TREE |
| UPST Upstart | 38/100 | 36/100 | 46/100 | 30/100 | -0.79 | 64.52% | SYF vs UPST |
| V Visa | 64/100 | 24/100 | 81/100 | 63/100 | 0.77 | 22.30% | SYF vs V |
| WEX WEX Inc | 61/100 | 72/100 | 62/100 | 51/100 | 0.54 | 40.89% | SYF vs WEX |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 29, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts4 recent quarterly periods are available for review.
Checked Oct 31, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Sep 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching SYF
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for SYF
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
SYF Stock FAQ
What is SYF stock price today?
Synchrony Financial's current stock price is $75.35. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is SYF bullish or bearish right now?
SYF's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is SYF's market cap?
SYF's market cap is $23.96B based on the latest completed market-close snapshot from Oct 30, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is SYF's current P/E ratio?
SYF's current P/E ratio is 7.61 based on the latest completed market-close snapshot from Oct 30, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is SYF's RSI?
SYF's 14-day RSI is 65.62 based on the latest completed market-close snapshot from Oct 30, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is SYF above its 50-day and 200-day moving averages?
SYF is 2.56% from its 50-day SMA and 4.55% from its 200-day SMA based on the latest completed market-close snapshot from Oct 30, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is SYF's next earnings date?
SYF's next earnings date is currently listed as Jan 26, 2027. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does SYF pay a dividend?
SYF's dividend yield is 1.68% based on the latest completed market-close snapshot from Oct 30, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.