Insider buying last 90 days
No open-market insider purchases were filed for SYF in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every SYF insider filing, plotted on the chart in Gekko.Open SYF in Gekko
NYSE: SYF
Synchrony Financial (SYF) Stock Analysis & Forecast
Sep 28 close
$71.52−1.42 (−1.9%)
Gekko Brief
AI summarySynchrony Financial closed the week lower after a stretch of embedded-finance news rather than a single catalyst. The company announced collaborations with Intelibly Inc. to embed its CareCredit offering into dental appointment platforms, and with OpenAI on AI shopping tools, both framed as expansion into embedded finance and AI commerce. Coverage also revisited the Q2 2026 results, where EPS of $2.59 beat the $2.14 estimate, alongside continued analyst commentary maintaining a "Moderate Buy" consensus with targets above the current price.
SYF trades at $71.52, down 1.9% on the day, with the stock below both its 50-day average of $76.79 and its 200-day average of $74.92. Over the past month the stock is down 10.5%, and over three months down 8.7%, though it remains up 9.4% over six months. The GekkoIndex reads 66.9, placing SYF in the Accumulation zone, and the price sits 12.6% below the Gekko Fair Value of $81.87.
The next earnings date falls on 20 October 2026, before the open, which lands within the next 20 trading days. Options activity shows 4 unusual signals over the last 30 days, with call premium of $2.2 million against put premium of $1.0 million. Seasonality over the past 5 years shows an average 20-day return of 3.8% from this point in the calendar, rising in 3 of those years. Analyst coverage from 18 firms shows 12 buy and 6 hold ratings, with a consensus target of $89.43.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Synchrony Financial price vs fair value
Close $71.52200-day averageGekko Fair Value $81.87
Synchrony Financial quick facts
- Market cap
- $23.27B
- P/E ratio
- 7.3
- Forward P/E
- 6.7
- EPS, TTM
- $9.87
- Revenue, TTM
- $9.91B
- Profit margin
- 35.5%
- Dividend yield
- 1.70%
- Beta
- 1.31
- Volume
- 2.59M avg 2.96M
- 1-year return
- −3.7%
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±6.8%
- 50-day average
- $76.79
- 200-day average
- $74.92
- Next earnings
- Oct 20 before open
- Shares outstanding
- 325.4M
Synchrony Financial swing-trade checklist
Synchrony Financial scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $71.52 sits between the 50-day ($76.79) and 200-day ($74.92) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
66.9, Accumulation
Reading 66.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
12.6% below
Price is 12.6% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 30 days: 4 unusual options signals.
See smart money - Earnings riskheadwind
Reports in 21 days
Reports on Oct 20, 2026, 21 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+3.8% on average
From this point in the calendar, the next 20 trading days averaged +3.8% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Synchrony Financial stock chart and price history
Synchrony Financial closed at $71.52 on Sep 28, 2026, −3.7% over the past year, inside a 52-week range of $63.08 to $88.77.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −10.5%
- 3 months
- −8.7%
- 6 months
- +9.4%
- 1 year
- −3.7%
The full SYF chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open SYF in Gekko
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About Synchrony Financial
Synchrony Financial serves everyday consumers and businesses throughout the United States with an assortment of credit and lending tools. It issues store-branded, co-branded, and general-purpose credit cards, extends credit to commercial clients, and arranges installment loans over short and longer terms. The company has built recognition through its healthcare-focused financing under the CareCredit, Pets Best, and Walgreens names, helping people pay for medical treatment, dental work, hearing devices, and pet care.
On the banking side, Synchrony offers savings accounts, money market accounts, certificates of deposit, and retirement accounts, available to both individual savers and organizations, with some deposits gathered through outside brokerage partners. It builds its lending business by teaming up with retailers, merchants, manufacturers, trade groups, and healthcare providers who offer its financing at checkout, while promoting deposit accounts through digital ads and printed materials. It also sells protection plans that cancel card debt under certain circumstances. Industries it touches include apparel, specialty goods, outdoor equipment, music, luxury items, home improvement, automotive, powersports, and jewelry.
The company traces back to 1932 and runs its main office out of Stamford, Connecticut. Its stock trades on the NYSE under the ticker SYF.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- synchrony.com
Synchrony Financial GekkoIndex: the smart money zone
Synchrony Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 66.9, in the Accumulation zone, up 1.4 points over five sessions.
66.9Accumulation
Up 1.4 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 23 | 0.0% | −1.9% | ||
| Accumulation (current zone) | 171 | +0.5% | +3.4% | ||
| Neutral | 420 | +0.9% | +2.9% | ||
| Distribution | 57 | −0.5% | −0.3% | ||
| Selling | 1 | Too few readings yet | |||
Average SYF share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the SYF price, zone by zone.Track SYF in Gekko
Is Synchrony Financial stock overvalued? Gekko Fair Value
Synchrony Financial trades 12.6% below Gekko Fair Value of $81.87, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Synchrony Financial shares are worth, recalculated every trading day.
$81.87
Gekko Fair Value, Sep 26, 2026
12.6% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open SYF in Gekko
Synchrony Financial insider and Congress trading
No open-market insider purchases were filed for Synchrony Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in SYF were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for SYF, plotted on the chart in Gekko.Open SYF in Gekko
Buybacks
Synchrony Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $878.0M
- As a share of market cap
- 3.77%
- Trailing four quarters
- $3.61B
From company filings.
Unusual options activity last 30 days
4signals, 68% of the flagged premium in calls.
Latest: Bullish flow on Sep 19, $787K in unusual premium.
Hedge funds and billionaires quarter ended Dec 31
0of the funds Gekko tracks hold SYF.
0added0opened0trimmed1sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
Synchrony Financial earnings: next date and track record
Synchrony Financial reports on Oct 20, 2026, before the open (21 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 20, 2026
Expected before the open, 21 days away
- EPS estimate
- $2.38
- Revenue estimate
- $3.83B
7 of 8reports beat the EPS estimate
±3.4%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 21, 2026 AI summary
- What they said
- Synchrony Financial reported strong Q2 2026 results with purchase volume reaching an all-time high of nearly $50 billion, up 8% year-over-year. Growth was broad-based across all five sales platforms, with diversified value leading at 12% growth. Co-branded cards represented 52% of purchase volume, growing 23% versus prior year. New accounts grew and average active accounts inflected to growth. The company added or renewed 15+ partners including Suzuki Motor, AmeriVet, and Roto-Rooter.
- Guidance
- Management cited resilient consumer behavior supported by higher tax refunds and lower withholdings as positive tailwinds. No specific financial targets were provided in this excerpt, but broad-based growth momentum and partner expansion suggest continued optimism for the remainder of 2026.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 21, 2026 | $2.59 est $2.14 | $3.72B est $3.72B | −0.8% |
| Apr 21, 2026 | $2.27 est $2.16 | $3.70B est $3.79B | +0.1% |
| Jan 27, 2026 | $2.07 est $2.05 | $3.79B est $3.84B | −5.3% |
| Oct 15, 2025 | $2.86 est $2.26 | $4.83B est $3.80B | −3.6% |
| Jul 22, 2025 | $2.50 est $1.82 | $4.71B est $3.71B | +3.8% |
| Apr 22, 2025 | $1.89 est $1.67 | $5.70B est $3.78B | +5.6% |
| Jan 28, 2025 | $1.91 est $1.92 | $3.80B est $3.83B | −1.5% |
| Oct 16, 2024 | $1.94 est $1.82 | $3.81B est $3.76B | +6.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Synchrony Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Synchrony Financial is $89.43, +25.0% from the last close, from 18 firms rating the stock in the last 90 days.
$89.43consensus 12-month target, +25.0% from the last close
Now $71.52Avg $89.43
Low $78High $104
Each firm’s latest rating in the last 90 days: 18 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 25 | Bank of America Securities | $89 | +24.4% |
| Sep 22 | Goldman Sachs | $87 | +21.6% |
| Sep 15 | Barclays | $93 | +30.0% |
| Sep 14 | Wells Fargo | $88 | +23.0% |
| Sep 14 | Bank of America Securities | — | — |
+3.4%average 20-day move after past Accumulation readings
+3.8%average move over the next 20 trading days in the last 5 years
±2.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Synchrony Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Synchrony Financial averaged +3.8% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.1% | 2 of 5 |
| Next 10 trading days | +1.0% | 2 of 5 |
| Next 15 trading days | +3.4% | 3 of 5 |
| Next 20 trading days | +3.8% | 3 of 5 |
| Next 30 trading days | +11.9% | 3 of 5 |
For scale, SYF’s typical 20-trading-day move in either direction is about 6.8%.
Synchrony Financial market cap and key statistics
Synchrony Financial’s market cap is $23.27B, with a P/E ratio of 7.3 and revenue of $9.91B over the last twelve months.
Valuation
- Market cap
- $23.27B
- P/E ratio
- 7.3
- Forward P/E
- 6.7
- EPS, TTM
- $9.87
- Gekko Fair Value
- $81.87
Trading
- Volume
- 2.59M
- Avg volume, 20 days
- 2.96M
- 52-week high
- $88.77
- 52-week low
- $63.08
- Shares outstanding
- 325.4M
Financials
- Revenue, TTM
- $9.91B
- Profit margin
- 35.5%
- Return on equity
- 20.8%
- Quarterly earnings growth, YoY
- +3.6%
Risk and income
- Beta
- 1.31
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±6.8%
- Dividend yield
- 1.70%
Synchrony Financial stock news this week
Coverage of Synchrony Financial this week reads neutral: 8 positive, 11 neutral and 3 negative headlines.
- Synchrony Financial stock at USD 71.52 on September 28, 2026, down 1.95 percentAD HOC NEWS, Sep 28
- Synchrony Financial (SYF) Expands Into AI Commerce, Is The Stock Cheap?Simply Wall Street, Sep 28
- Synchrony Financial stock falls 1.41 percent as targets stay above priceAD HOC NEWS, Sep 28
- How Dental Financing Integration Will Impact Synchrony Financial (SYF) InvestorsSimply Wall Street, Sep 26
- Synchrony Financial Share Price - SYF, RNS News, Articles, Quotes, & Charts (NYSE:SYF)Proactive financial news, Sep 26
- Why Is Synchrony Financial (NYSE:SYF) Among S&P 500 Financials?Kalkine Media, Sep 25
Synchrony Financial peers
Synchrony Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Synchrony Financial stock FAQ
What is Synchrony Financial’s market cap?
Synchrony Financial’s market cap is $23.27B at the Sep 28, 2026 close of $71.52, with 325.4M shares outstanding. The shares trade on a P/E ratio of 7.3.
What is the Synchrony Financial stock forecast?
The consensus analyst 12-month price target for Synchrony Financial is $89.43, +25.0% from the last close. Of the 18 firms that rated the stock in the last 90 days, 12 rate it a buy, 6 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Synchrony Financial stock overvalued or undervalued?
On Gekko’s estimate Synchrony Financial is undervalued: the Sep 28, 2026 close of $71.52 is 12.6% below Gekko Fair Value of $81.87. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Synchrony Financial report earnings next?
Synchrony Financial is expected to report on Oct 20, 2026, before the market opens (21 days away). Analysts expect earnings of $2.38 per share on revenue of $3.83B. Synchrony Financial beat the earnings estimate in 7 of its last 8 reports, moving 3.4% on average across the report.
What is Synchrony Financial’s 52-week high and low?
Synchrony Financial’s 52-week high is $88.77 and its 52-week low is $63.08; it closed at $71.52 on Sep 28, 2026, −3.7% over the past year.
Is Synchrony Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Synchrony Financial?
Gekko flagged 4 unusual options signals in Synchrony Financial over the last 30 days, with $2.20M of flagged premium in calls and $1.03M in puts. The latest, bullish flow, was on Sep 19, 2026 with $787K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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