Synchrony Financial (SYF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$75.03-0.20%
Close 2026-11-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · SYF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -16.5% |
| Our one-year growth estimate | diamond | -26.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
SYF — debt issuance
Dated 2026-07-31
Other Events On July 28, 2026, Synchrony Financial (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I to the Underwriting Agreement (collectively, the “Underwriters”), to issue and sell $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 (the “2030 Notes”) and…
Why it matters: The planned link may help more health and wellness stores offer CareCredit online. Watch for a live launch and partner use.
Supportive ifSynchrony or Stripe confirms the link is live, and names providers or stores using it.
Worry ifThe launch is delayed, canceled, or reported with no provider or store use.
Why it matters: Q3 purchase volume grew 8%, while loan receivables grew 3%. Slower spending could weaken growth.
Worry ifA later quarter reports purchase volume growth below 8% year over year.
Less concerning ifPurchase volume growth stays at or above 8%, and loan receivables growth reaches at least 3%.
Why it matters: Q3 net interest margin fell 12 basis points to 15.50%. A further drop may weigh on income from loans.
Worry ifQ4 net interest margin falls below 15.50%.
Less concerning ifQ4 net interest margin holds at or above 15.50%.
Why it matters: Synchrony reported more spending across its platforms. Customers use credit for daily purchases. Weak retail sales or rising jobless claims could test demand.
Worry ifThe November 17 retail sales report shows a year-over-year drop. Or weekly jobless claims rise in three reports in a row after November 1.
Less concerning ifRetail sales rise year over year, and weekly jobless claims do not rise in three straight reports.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$114 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $308 loss on $10,000 · 3.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,762 loss on $10,000 · 27.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Synchrony repurchased $1.1 billion of shares in Q3 and had $4.6 billion left in its buyback plan. Lower repurchases would mark a slower pace.
Worry ifQ4 share repurchases are below $1.1 billion.
Less concerning ifQ4 share repurchases reach or exceed $1.1 billion, with the plan still in place.