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Synchrony Financial(SYF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SYF
10/28/2026: SYF (3-star) is currently NOT-A-BUY. Pass it for now.
Synchrony Financial is a consumer-focused financial services company that specializes in private label credit cards and point-of-sale financing. It maintains a strong position in retail and healthcare lending through its popular CareCredit platform. The primary investment story centers on its ability to leverage data-rich retail partnerships and an expanding digital banking business. Key risks include heavy reliance on consumer spending cycles, regulatory challenges regarding card fees, and intense competition from fintech platforms. This stock may suit value or dividend-focused investors looking for steady income, provided they monitor consumer credit trends and the stability of major retail partnerships.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential tied to consumer spending and digital finance, but is not a hyper-growth tech play. |
| Momentum investor | Mixed fit | Momentum is often dependent on broader retail sector sentiment and interest rate expectations. |
| Value investor | Strong fit | Synchrony often trades at valuation multiples that appeal to value-oriented investors focusing on financial earnings stability. |
| Dividend investor | Strong fit | The company provides a consistent dividend yield, making it an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the stock is subject to consumer cyclical risks and credit cycle volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to macroeconomic news affecting consumer spending and credit markets. |
| Valuation risk | Low | The company generally maintains reasonable price-to-earnings multiples relative to the financial sector. |
| Competition risk (Fintech/Retail) | Medium / high | New fintech entrants and traditional banks are aggressively targeting the point-of-sale lending market. |
| Business quality | Medium | Synchrony has a specialized business model with strong partner retention, but carries higher credit risk than diversified universal banks. |
| Dividend income | Medium | Dividends are generally stable, though growth may be tempered by capital reserve requirements. |
| Execution risk | Medium | Success depends on the ongoing ability to renew retail partnerships and manage credit underwriting effectively. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 58.1% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.39B USD | Price to earnings Ratio 7.83 | 1Y Target Price 87.54 |
Price to earnings Ratio 7.83 | 1Y Target Price 87.54 | ||
Volume (30-day avg) 3.3M shares | Beta 1.34 | 52 Weeks Range 62.55 - 87.67 | Updated Date 10/28/2026 |
52 Weeks Range 62.55 - 87.67 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 9.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Interest Income | Interest earned on the outstanding balances of credit card accounts and installment loans. | The company earns the most money when consumers carry balances on their credit cards and loans. |
| Loan Receivables & Fees | Late fees, interchange fees from card usage, and other service charges. | Transaction and service fees provide a steady stream of revenue alongside interest income. |
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate 2.48 | Actual 2.68 |
Profitability
Profit Margin 34.07% | Operating Margin (TTM) 49.84% |
Management Effectiveness
Return on Assets (TTM) 2.78% | Return on Equity (TTM) 19.83% |
Valuation
Trailing PE 7.83 | Forward PE 7.12 | Enterprise Value 26.19B | Price to Sales(TTM) 2.49 |
Enterprise Value 26.19B | Price to Sales(TTM) 2.49 | ||
Enterprise Value to Revenue 2.87 | Enterprise Value to EBITDA - | Shares Outstanding 325.37M | Shares Floating 309.15M |
Shares Outstanding 325.37M | Shares Floating 309.15M | ||
Percent Insiders 0.37 | Percent Institutions 113.87 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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