SYF

ACCE-researched
Synchrony Financial Common Stock
Financial Services · Credit Services · NYSE · United States
$75.04+0.85%
Market cap $24.4BNext earnings 2026-10-21Updated Sep 19, 2026
FAIR VALUE · CONSENSUS
$75.04+0.0%
confidence-weighted across 4 of 6 models
Now $75.04
$75.04
$107.73$142.80
Strong BuyGold84
Price vs fair value
38.3% below
+62.1% to fair value
ACCE score
63
out of 100
Analysts
64% buy
22 covering
P/E
7.7x
forward 7.1x
1-year return
-1.9%
Dividend yield
1.61%
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Overview

⚠ Investor warnings · 4 flags
  • severe
    ACCE Score collapse
    Score dropped 33 points in 90 days (100→67), signaling rapid deterioration in composite fundamentals across multiple dimensions.
  • high
    Momentum score critically low
    Momentum sub-score of 47/100 combined with QoQ revenue decline of -2.5% suggests near-term business headwinds accelerating.
  • high
    Insider selling, zero buying
    Last 10 disclosed transactions show $5.05M in sales and $0 in buys; insiders not supporting stock despite low P/E of 7.6.
  • moderate
    Elevated short interest
    Short interest at 7.1% of float is meaningful for a large-cap financial, suggesting institutional skepticism about credit quality or earnings sustainability.
Reports in 30 days, last quarter beat by 0.2%.

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Plain-English pros, cons, and what to watch. Pro feature.

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Price

-0.7% · 1Y

Valuation

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Full valuation engine INVESTOR FEATURE

Six independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.

  • +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
  • +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
  • +Editable DCF workbench with saved scenarios

Quality

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Quality and conviction INVESTOR FEATURE

The full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.

  • +Conviction score breakdown and earnings-quality grade
  • +Growth / value / quality / momentum component scores
  • +90-day score history and score-threshold backtests

Analysts

Wall Street consensus

Bullish64% buy · 22 covering analysts
● Strong buy 9● Buy 5● Hold 8● Sell 0● Strong sell 0
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

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Smart money tracking PRO FEATURE

Follow the institutions: 13F position changes, insider trades, and active 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Recent open-market insider transactions
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

This stock Peer Peer median weaker → stronger
P/Ebetter than 100% of peers
low 7.7x7.7xhigh 34.6x
ROEbetter than 67% of peers
low 7%21%high 45%
Div yieldbetter than 83% of peers
low 0.0%1.6%high 3.0%

Algorithmic peers (6)

TickerCompanyMcapP/EROED/EYieldQuality
AFRMAffirm Holdings Inc. Class A Common Stock$24.0B12.945.1%1.860.0%-Compare
SOFISoFi Technologies Inc. Common Stock $21.9B34.67.1%0.170.0%-Compare
CHOLAFIN.NSCholamandalam Investment and Finance Company Limited$16.0B26.519.3%695.280.1%-Compare
TATACAP.NSTATA CAPITAL LIMITED$15.3B27.112.0%502.930.2%-Compare
PYPLPayPal Holdings Inc. Common Stock$44.8B9.924.5%0.491.1%-Compare
ALLYAlly Financial Inc. Common Stock$12.2B9.49.7%1.373.0%-Compare

Sector report card

Where SYF ranks against its sector peers on each metric.

Computing percentiles…

News and Record

Reports in 30 days, last quarter beat by 0.2%.

Press releases mentioning this company

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Recent performance

1 week
-1.3%
1 month
-5.8%
3 months
-0.3%
6 months
+13.4%
YTD
-10.1%
1 year
-1.9%

SEC filings

40 filings
September 2026
Sep 14
8-KCurrent reportPeriod 2026-09-14
August 2026
Aug 19
Form 4Insider transactionPeriod 2026-08-17
Aug 19
Form 4Insider transactionPeriod 2026-08-17
37 more filings + AI summaries on Investor+.INVESTOR

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