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$73.59-0.03 (-0.04%)
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
Synchrony Financial in the Financial Services sector is trading at $73.59 with a market capitalization of $25.6B. Wall Street consensus targets $87.96 (24 analysts), implying a +19.5% move over the next 12 months. The stock is currently 17% below its 52-week high of $88.77, remaining 0.3% below its 200-day moving average. On fundamentals, Piotroski 6/9 shows mixed financial quality. The Whystock Score of 70/100 reflects bullish alignment across trend, valuation and analyst targets.
| Metric (USD) | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|
| Total Revenue | $3.72B↑ | $3.70B↓ | $3.79B↓ | $3.82B↑ | $3.65B |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| Net Income | $885.00M↑ | $805.00M↑ | $751.00M↓ | $1.08B↑ | $967.00M |
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It al...
Academic risk and quality models computed from SYF's own filings and price history, not from analyst opinion.
Mixed: 6 of 9 fundamental-health tests pass, so profitability and balance-sheet trends disagree.
Share of earnings coming from accruals rather than cash. Higher values historically precede weaker future returns.
Hidden Markov model fitted to two years of returns, separating bull, bear and sideways states by their own drift and volatility.
GARCH(1,1) 30-day annualised forecast, above the current 31.2% reading.
Fama-French 5-factor market beta. The five factors explain 39% of this stock's return variance; the rest is idiosyncratic.
The stock’s own historical valuation anchor, which is a fairer comparison than a sector average for a company with a persistent premium or discount.
Model inputs as of 2026-10-13.