Synchrony Financial research snapshot
SYF AI stock analysis currently reads Synchrony Financial as a scaled U.S. consumer financing platform with strong earnings power, record purchase volume, large retail and health credit partnerships, meaningful deposit funding, and material exposure to consumer credit trends. At the August 2, 2026 data cutoff, SYF closed near $75.79 on July 31, 2026 with a market capitalization near $24.66 billion. The Q2 2026 report, released July 21, 2026, delivered net earnings of $885 million, or $2.59 per diluted share against a $2.13 consensus, purchase volume growth of 8% to an all-time high of almost $50 billion, and a full-year 2026 EPS guidance raise to $9.25 to $9.50. The SYF AI stock forecast must stay scenario-based because consumer credit, payment rates, late-fee policy, partner volume, funding costs, and buybacks can change earnings quickly. This page is informational research and not investment advice.
Current price
$75.79
Market cap
$24.66 billion
AI score
74 / 100
Rating
Profitable private-label credit platform with a Q2 2026 earnings beat, record purchase volume, and raised 2026 EPS guidance, offset by elevated payment rates, late-fee policy risk, and credit-cycle sensitivity
Trend status
Above the 20-day, 50-day, 100-day, and 200-day moving averages after a July recovery, with RSI near 54, as of the August 2, 2026 cutoff
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Synchrony finances purchases through private-label, co-brand, installment, health, and deposit products, with Q2 2026 purchase volume up 8% to almost $50 billion and ending loan receivables up 2% to about $102 billion. | High |
| Moat | Moat comes from merchant relationships, underwriting data, scale funding, digital servicing, CareCredit brand reach, and embedded retail checkout workflows, but it is narrower than a payment network moat. | Medium-high |
| Management | Brian Doubles has led as CEO since 2021 after serving as President and CFO. The Q2 2026 report delivered an EPS beat, raised 2026 EPS guidance to $9.25 to $9.50, and returned $950 million to shareholders. | Medium-high |
| Financial trend | Q2 2026 net earnings were $885 million, or $2.59 per diluted share versus a $2.13 consensus, with net interest margin up 30 basis points to 15.08%, and full-year 2026 EPS guidance raised to $9.25 to $9.50. | High |
| Valuation | At $75.79, financial_rigor.py calculates about 7.76x TTM EPS, 1.62x book value, 20.92% ROE, and a 1.79% dividend yield based on current inputs. | High |
| Technical trend | Barchart showed the 20-day SMA near $73.86, 50-day SMA near $73.62, 100-day SMA near $72.36, 200-day SMA near $74.39, and RSI near 54.04 on July 31, 2026, with SYF closing at $75.79 above all major moving averages. | Medium-high |
| Risk level | Main risks are higher charge-offs, elevated payment rates, rate-cap and late-fee policy, partner concentration, funding spread pressure, and a lower market multiple for consumer lenders. | High |
| AI confidence | High for historical disclosures, Q2 2026 results, and tool-verified math. Medium for the forecast because consumer credit companies can look cheap near peak earnings and expensive after credit costs rise. | High data confidence |
| Investment certainty | Medium certainty. The stock has a low earnings multiple and strong capital returns, but the margin of safety depends on credit losses staying controlled and regulatory risk not impairing card economics. | Medium |
SYF AI stock forecast
The SYF AI stock forecast uses scenario math around the July 31, 2026 close of $75.79 and the FY2026 consensus adjusted EPS near $9.38. A three-year EPS framework produced a bullish value near $132, a base value near $100, and a bearish value near $56, using EPS growth assumptions of 12%, 8%, and 0% and exit multiples of 10x, 8.5x, and 6x. The wide spread reflects how much SYF depends on credit normalization, payment rates, partner purchase volume, capital return, and the market multiple assigned to consumer finance earnings.
$120 to $140
More likely if purchase volume keeps growing at a high single-digit to double-digit rate, ending loan receivables return to mid-single-digit growth, net charge-offs stay below the 5.5% guidance, late-fee policy stays quiet, buybacks keep reducing share count, and investors value SYF near 10x earnings.
$90 to $110
More likely if EPS compounds at a mid single-digit to high single-digit rate, credit losses stay near management targets, purchase volume improves gradually, payment rates normalize, funding costs decline slowly, and the stock holds a high-single-digit earnings multiple.
$50 to $65
More likely if unemployment rises, charge-offs move above target, payment rates stay elevated and suppress receivables, rate-cap or late-fee policy pressures yields, partner sales weaken, funding spreads widen, or the market assigns a stress multiple to consumer credit earnings.
SYF AI technical analysis
SYF AI technical analysis is constructive as of the August 2, 2026 data cutoff. The stock closed at $75.79 on July 31, 2026, above its 20-day SMA near $73.86, 50-day SMA near $73.62, 100-day SMA near $72.36, and 200-day SMA near $74.39, with RSI near 54.04 after a 5-day gain of about 4%. The stock remains below the 52-week high of $88.77.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $75.79 | StockAnalysis.com real-time quote at the July 31, 2026 close; market cap math uses 325.37 million shares outstanding. |
| Near support | $73.50 to $74.50 | The 20-day moving average near $73.86 and the 200-day moving average near $74.39 form the first trend support cluster. |
| Secondary support | $72 to $73.50 | The 50-day moving average near $73.62 and the 100-day moving average near $72.36 sit just below the current price. |
| Near resistance | $76 to $77.50 | The 5-day moving average near $76.07 marks the first overhead zone bulls need to reclaim decisively. |
| Major resistance | $82 to $89 | This range covers the base-case valuation zone and extends to the 52-week high of $88.77. |
| Momentum | RSI near 54 | RSI is neutral, not overbought or oversold, so trend confirmation needs price follow-through rather than an oscillator extreme. |
| Volume | About 4.1 to 4.2 million average shares | Barchart listed 20-day average volume near 4.2 million shares and StockAnalysis.com near 4.1 million on July 31, 2026. |
| Volatility | Beta about 1.31, ATR near 2.31 | SYF usually carries above-market cyclicality because credit, funding, regulation, and consumer spending drive the equity story. |
| Invalidation | Close below $73.50, then $72 | A close below the 20-day and 200-day support cluster would weaken the current base. A close below the 50-day and 100-day area would shift the setup toward credit-risk defense. |
SYF AI trading strategy
The SYF AI trading strategy is a rules-based framework for a consumer finance stock. It is not personalized advice and should be paired with live chart data, position sizing, earnings dates, credit metrics, regulatory headlines, and clear invalidation levels.
Look for SYF to reclaim and hold the $76 to $77.50 zone, stay above the 20-day and 200-day moving averages, and show improving volume while Q3 results confirm credit costs, purchase volume, and payment rates are on plan.
A failed reclaim of the $76 area, or a close back below $73.50, should invalidate the near-term trend setup.
If SYF pulls back toward $73.50 to $74.50 while Q2 and Q3 credit data stay controlled, compare the price move with the low P/E, book value, buyback capacity, payment rate, and charge-off trend.
Do not treat a low P/E as a stop-loss substitute because consumer lenders can rerate lower when credit losses rise or late-fee policy headlines appear.
Track purchase volume, ending loan receivables, net interest margin, payment rate, allowance coverage, 30-day and 90-day delinquencies, net charge-offs, direct and broker deposits, capital ratios, buybacks, and dividend policy.
Reduce confidence if charge-offs rise above the 5.5% guidance, the payment rate stays above 17%, partner volume weakens, deposit costs stop falling, or rate-cap and late-fee headlines pressure expected loan yields.
Investment research summary
Synchrony helps merchants, healthcare providers, digital platforms, and consumers finance purchases while earning interest income, fees, and partner economics from credit products and deposits.
The moat is built from partner integrations, underwriting data, scale servicing, consumer credit expertise, deposit funding, CareCredit acceptance, and long-standing retail relationships across five sales platforms.
The thesis fails if charge-offs rise, elevated payment rates suppress receivables, partners lose share, rate-cap or late-fee policy cuts yields, funding costs stay high, or buybacks occur before a credit downturn.
Brian Doubles combines finance, investor relations, strategy, and CEO experience. The main management test is balancing growth, underwriting, capital return, technology investment, and partner renewal discipline.
SYF sits inside long-running trends toward embedded finance, private-label loyalty, healthcare financing, digital checkout, and consumer credit access, but these trends remain tied to employment, rates, and regulation.
The current price looks inexpensive on TTM and forward EPS, but margin of safety depends on whether earnings are durable through the next credit cycle and whether regulatory risk leaves the economics intact.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| SYF price | $75.79 at the July 31, 2026 close, down 1.79% on the day | StockAnalysis.com real-time quote | July 31, 2026 |
| Market capitalization | $24.66 billion reported market cap, verified as $75.79 x 325.37 million shares with 0.00% deviation | StockAnalysis.com quote and financial_rigor.py | August 2, 2026 |
| Shares outstanding | 325.37 million shares outstanding, down 9.80% year over year and 3.44% quarter over quarter | StockAnalysis.com statistics | August 2, 2026 |
| Q2 2026 net earnings | $885 million net earnings, or $2.59 per diluted share, versus a $2.13 consensus, with return on tangible common equity of 25.2% and tangible book value per share up 8% | Synchrony Q2 2026 results and Q2 2026 earnings call transcript | July 21, 2026 |
| Q2 2026 purchase volume and loans | Purchase volume up 8% to almost $50 billion, ending loan receivables up 2% to about $102 billion, and a payment rate of 17%, up about 70 basis points year over year | Synchrony Q2 2026 earnings call transcript | July 21, 2026 |
| Q2 2026 net interest income and margin | Net interest income up 2% to $4.6 billion and net interest margin up 30 basis points to 15.08%, with interest expense down 8% | Synchrony Q2 2026 earnings call transcript | July 21, 2026 |
| Q2 2026 credit trends | Net charge-off rate of 5.43%, down 27 basis points from 5.7% a year ago, and allowance for credit losses of 10.09% of loan receivables, down from 10.59% a year ago | Synchrony Q2 2026 earnings call transcript | July 21, 2026 |
| 2026 EPS guidance | Full-year 2026 diluted EPS guidance raised to $9.25 to $9.50, with net charge-offs expected below 5.5% and RSA expected to remain within 4% to 4.5% of average receivables | Synchrony Q2 2026 earnings call transcript | July 21, 2026 |
| Capital returns | $950 million returned in Q2 2026 including $850 million in share repurchases and $100 million in common dividends, with about $5.7 billion remaining under the repurchase authorization | Synchrony Q2 2026 earnings call transcript | July 21, 2026 |
| Dividend | Quarterly common dividend of $0.34 per share declared for August 17, 2026 payment, up 13% from $0.30, for an annualized rate of $1.36 and a 1.79% yield | Synchrony Q2 2026 press release and StockAnalysis.com dividend page | July 21, 2026 |
| Cash and debt | $16.193 billion cash and cash equivalents and $16.432 billion total debt as of June 30, 2026, both matching SEC EDGAR XBRL data | StockAnalysis.com balance sheet and SEC EDGAR XBRL | August 2, 2026 |
| Deposits and funding | $82.806 billion total deposits as of June 30, 2026, with deposits representing 83% of total funding, secured debt 9%, and unsecured debt 8% | Synchrony Q2 2026 earnings call transcript and StockAnalysis.com balance sheet | July 21, 2026 |
| FY2025 revenue and net earnings | FY2025 revenue of $9.756 billion, up 3.88%, and net earnings of $3.469 billion, up 1.23%, cross-validated with StockAnalysis.com financials | StockAnalysis.com financials and fiscal data | July 23, 2026 |
| TTM financials | TTM revenue of $9.908 billion, TTM net income of $3.435 billion, TTM EPS of $9.77, and TTM operating cash flow of $9.694 billion as of June 30, 2026 | StockAnalysis.com financials | July 23, 2026 |
| Valuation check | 7.76x TTM EPS, 7.87x forward PE, 1.62x book value, 20.79% ROE, 1.79% dividend yield, and 13.93% earnings yield | StockAnalysis.com statistics and financial_rigor.py | August 2, 2026 |
| Analyst consensus | Buy rating across 24 analysts with an average price target of $88.96, a low of $78, and a high of $104, representing about 17.38% upside | StockAnalysis.com forecast | July 23, 2026 |
| Analyst rating mix, July 2026 | 12 Strong Buy, 4 Buy, 8 Hold, 0 Sell, and 0 Strong Sell out of 24 analysts | StockAnalysis.com forecast recommendation trends | July 23, 2026 |
| 2026 and 2027 consensus estimates | FY2026 consensus adjusted EPS of $9.38 and FY2027 consensus adjusted EPS of $10.50, up 11.87% | StockAnalysis.com forecast financial forecast | July 23, 2026 |
| Short interest | 19.37 million shares short, 5.95% of shares outstanding, and 5.08 days to cover | StockAnalysis.com statistics short selling | August 2, 2026 |
| Technical snapshot | 20-day SMA near $73.86, 50-day SMA near $73.62, 100-day SMA near $72.36, 200-day SMA near $74.39, 14-day RSI near 54.04, and 14-day ATR near 2.31 | Barchart and StockAnalysis.com technical snapshots | July 31, 2026 |
This SYF AI stock analysis is an informational research tool only. It is not investment advice, financial planning, tax advice, or a recommendation to buy or sell Synchrony Financial. Forecast scenarios are based on available public data as of the stated cutoff date and can be wrong if earnings, credit losses, payment rates, regulation, funding costs, partner volume, valuation multiples, or market conditions change.
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