SYF
Synchrony FinancialNYSEFinancialsCredit ServicesSnapshot 2026-05-08
As of May 8, 2026, SYF has a composite score of 14.9 and a signal label of "mild favorable." This score is influenced by a medium confidence level of 74.1 and a moderate risk label. Key drivers include macroeconomic factors such as rates, growth, labor, and inflation, with a macro score of -7.7 indicating some unfavorable conditions. The valuation score is 77.9, categorized as inexpensive. The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.39
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $2.27 → $2.10 (-7.2% / 30d). 2 raised, 7 cut, 16 covering analysts.
0 upgrades, 1 downgrade / 30d, 5 maintained. 65% of analysts rate Buy.
2 PT revisions / 30d. Avg target 6.2% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Increase quarterly cash dividend by 13%capital allocationon track76% progress
4/21: “The Board approved a planned 13% increase in the quarterly cash dividend to $0.34 per share.”
Why this status
Newly stated in 2026-Q1. The Board approved a 13% increase in the quarterly cash dividend to $0.34 per share starting in Q3 2026. This reflects a commitment to returning capital to shareholders, with the dividend per share increasing from $0.30 to $0.34.
- 2.Disciplined underwriting and credit strategygrowthmixed56% progressprovisional
1/27: “We will remain disciplined in our underwriting, credit strategy, and our expense management.”
Why this status
Newly stated in 2025-Q4. Management has emphasized disciplined underwriting and credit strategy as part of their long-term financial targets. However, specific financial outcomes related to this strategy are not detailed in the provided data, indicating limited substantive delivery evidence this quarter.
- 3.Invest in growth and innovationgrowthmixed56% progressprovisional
1/27: “Investing in our growth and innovation to drive continued progress toward our long-term financial targets.”
Why this status
Newly stated in 2025-Q4. Management has committed to investing in growth and innovation to achieve long-term financial targets. The financials do not provide specific evidence of progress in this area, suggesting limited substantive delivery evidence this quarter.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 27%; 252d 30%.
Drawdown — Max 1y −28%. Bad day move −3%.
Beta to sector ETF (XLF) — 1.60 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 49/100, drawdown 45/100, beta 40/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Increase quarterly cash dividend by 13%
Capital allocationThe Board approved a 13% increase in the quarterly cash dividend to $0.34 per share starting in Q3 2026.
On trackNewly stated in 2026-Q1. The Board approved a 13% increase in the quarterly cash dividend to $0.34 per share starting in Q3 2026. This reflects a commitment to returning capital to shareholders, with the dividend per share increasing from $0.30 to $0.34.
76%CEO/CFO:“The Board approved a planned 13% increase in the quarterly cash dividend to $0.34 per share.”Multiple sourcesSource dated 2026-04-21Stated 1 of last 8 quartersFirst seen 2026-04-21Show history (1)
- 2026-Q1Multiple sources
“The Board approved a planned 13% increase in the quarterly cash dividend to $0.34 per share.”
- #2
Disciplined underwriting and credit strategy
GrowthManagement emphasizes maintaining disciplined underwriting and credit strategy to achieve long-term financial targets.
MixedNewly stated in 2025-Q4. Management has emphasized disciplined underwriting and credit strategy as part of their long-term financial targets. However, specific financial outcomes related to this strategy are not detailed in the provided data, indicating limited substantive delivery evidence this quarter.
56%CEO/CFO:“We will remain disciplined in our underwriting, credit strategy, and our expense management.”Multiple sourcesSource dated 2026-01-27Stated 1 of last 8 quartersFirst seen 2026-01-27provisionalShow history (1)
- 2025-Q4Multiple sources
“We will remain disciplined in our underwriting, credit strategy, and our expense management.”
- #3
Invest in growth and innovation
GrowthManagement plans to invest in growth and innovation to drive progress toward long-term financial targets.
MixedNewly stated in 2025-Q4. Management has committed to investing in growth and innovation to achieve long-term financial targets. The financials do not provide specific evidence of progress in this area, suggesting limited substantive delivery evidence this quarter.
56%CEO/CFO:“Investing in our growth and innovation to drive continued progress toward our long-term financial targets.”Multiple sourcesSource dated 2026-01-27Stated 1 of last 8 quartersFirst seen 2026-01-27provisionalShow history (1)
- 2025-Q4Multiple sources
“Investing in our growth and innovation to drive continued progress toward our long-term financial targets.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks cheaper than most peers in the same business.
Around its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
SYF Synchrony Financial | +15 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-04-21)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-04-21)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-2118d agoItem 2.02
Results of Operations and Financial Condition. On April 21, 2026 , Synchrony Financial (the “Company”) issued a press release setting forth the Company’s first quarter 2026 earnings. A copy of the Company’s press release is being furnished as Exhibit 99.1 and hereby incorporated by reference. The information furnished pursuant to this Item 2.02, including Exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise s…
earnings preannouncementneutralscore 44
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.