Synchrony Financial profit falls on higher costs but credit trends improve
Synchrony posted a third-quarter profit of $892 million, or $2.68 a share, down from $1.1 billion, or $2.86 a share, a year earlier.
Model output · Signal date 2026-11-06
Synchrony Financial (SYF) Stock Forecast Nov. 6, 2026
Analysis updated on Nov. 6, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE
Rating · 90D
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90-day forecast
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30-day forecast
Alpha
Rank in coverage
of 5150 stocks scored
Rank correlation · 90D
29.0%
Spearman, 357 dates
Market Cap
$22.96B
large-cap · #4 of 60 peers
Summary
Synchrony Financial (SYF) stock forecast summary
Our AI scores Synchrony Financial every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
Synchrony Financial is a large-cap company with a market capitalization of $22.96B. It ranks number 4 by market capitalization among the 60 Finance Services issuers in our coverage with a current forecast.
For SYF, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 29.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 16.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +3.1%, buy ≥ +1.5%, sell < -0.5%, strong sell < -1.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-11-06 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, SYF included.
Price
SYF price chart and AI forecast
Cross-section · 2026-11-06
How SYF ranks among 5150 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Fundamentals · 2026-09-30
Synchrony Financial (SYF) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Finance Services peers listed below that report each metric.
Valuation & Market
| Metric | SYF | Rank |
|---|---|---|
| Market Cap | $22.96B | 4/60 |
| P/E Ratio | 7.71x | 15/19 |
| P/B Ratio | 1.39x | 21/47 |
| Dividend Yield | 1.83% | 4/7 |
| EPS | $9.56 | – |
| Book Value/Share | $53.15 | – |
Profitability & Margins
| Metric | SYF | Rank |
|---|---|---|
| ROE | 20.1% | 6/28 |
| ROA | 2.7% | 6/29 |
| Net Margin | 8.7% | 8/27 |
| EBT Margin | 11.4% | 11/43 |
| Tax Rate | 23.7% | – |
Financial Health
| Metric | SYF | Rank |
|---|---|---|
| D/E Ratio | 6.40x | 14/55 |
| Financial Leverage | 7.40x | 14/53 |
Cash Flow
| Metric | SYF | Rank |
|---|---|---|
| Operating Cash Flow | $9.55B | 2/47 |
| OCF Growth YoY | -2.0% | 13/19 |
Income Statement
| Metric | SYF | Rank |
|---|---|---|
| Net Income | $3.33B | 2/30 |
Dividend & Shareholder Information
| Metric | SYF | Rank |
|---|---|---|
| Dividends Per Share | $1.35 | – |
| Payout Ratio | 14.1% | 4/5 |
| Shares Outstanding | 311M | – |
| Net Income Growth | -6.8% | 9/17 |
| EPS Growth | 4.2% | 7/19 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $15.90B | 13.0% of assets |
| Total Liabilities | $105.92B | 86.5% of assets |
Quarterly Financial Reports
SYF quarterly financials and insider trading
Industry Peers · Finance Services
Synchrony Financial (SYF) industry peers
Companies classified under the same SEC industry code as Synchrony Financial (Finance Services): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| SYF Synchrony Financial | $22.96B | |
| AXP American Express Co | $215.24B | |
| MSTR Strategy Inc | $54.45B | |
| COIN Coinbase Global, Inc. | $35.68B | |
| SOFI Sofi Technologies, Inc. | $20.72B | |
| CRCL Circle Internet Group, Inc. | $17.23B | |
| CHYM Chime Financial, Inc. | $11.86B | |
| BMNR Bitmine Immersion Technologies, Inc. | $11.32B | |
| IREN Iren Ltd | $8.53B | |
| RIOT Riot Platforms, Inc. | $6.27B | |
| WULF Terawulf Inc. | $5.67B | |
| KLAR Klarna Group Plc | $5.13B | |
| GPGI Gpgi, Inc. | $4.12B | |
| CORZ Core Scientific, Inc./Tx | $3.78B | |
| DAVE Dave Inc./De | $3.72B | |
| BLSH Bullish | $3.21B | |
| SII Sprott Inc. | $2.94B | |
| CIFR Cipher Digital Inc. | $2.72B | |
| IOND Ionic Digital Inc. | $2.68B | |
| MARA Mara Holdings, Inc. | $2.45B | |
| UPST Upstart Holdings, Inc. | $2.15B | |
| XXI Twenty One Capital, Inc. | $1.85B | |
| ASST Strive, Inc. | $1.83B | |
| PURR Hyperliquid Strategies Inc | $1.74B | |
| WLTH Wealthfront Corp | $1.66B | |
| BTDR Bitdeer Technologies Group | $1.63B | |
| CLSK Cleanspark, Inc. | $1.58B | |
| PGY Pagaya Technologies Ltd. | $1.46B | |
| WD Walker & Dunlop, Inc. | $1.34B | |
| PWP Perella Weinberg Partners | $1.29B | |
| RHLD Resolute Holdings Management, Inc. | $1.20B | |
| KEEL Keel Infrastructure Corp. | $1.15B | |
| SECZ Securitize Corp. | $1.14B | |
| BUR Burford Capital Ltd | $788M | |
| GDOT Green Dot Corp | $698M | |
| VEL Velocity Financial, Inc. | $689M | |
| QFIN Qfin Holdings, Inc. | $656M | |
| BTGO Bitgo Holdings, Inc. | $571M | |
| OPRT Oportun Financial Corp | $533M | |
| OPFI Oppfi Inc. | $526M | |
| HIVE Hive Digital Technologies Ltd. | $488M | |
| FWDI Forward Industries, Inc. | $421M | |
| ABTC American Bitcoin Corp. | $390M | |
| ORBS Eightco Holdings Inc. | $321M | |
| GEMI Gemini Space Station, Inc. | $319M | |
| WYFI Whitefiber, Inc. | $303M | |
| SVIA Silvia, Inc. | $266M | |
| BTBT Bit Digital, Inc | $265M | |
| SNFCA Security National Financial Corp | $256M | |
| CNCK Coincheck Group N.V. | $244M | |
| MFIN Medallion Financial Corp | $228M | |
| LDI Loandepot, Inc. | $216M | |
| CPSS Consumer Portfolio Services, Inc. | $216M | |
| BNC Bnb Standard Corp | $215M | |
| DGXX Digi Power X Inc. | $211M | |
| BKKT Bakkt, Inc. | $194M | |
| ZSQR Z Squared Inc. | $179M | |
| CNTN Canton Strategic Holdings, Inc. | $164M | |
| AMBR Amber International Holding Ltd | $156M | |
| USDE Stablecoinx Inc. | $155M |
Where SYF sits on the market map
Finance or Crypto Assets · Finance Services
News
Synchrony Financial (SYF) stock news
Synchrony Financial Q3 earnings beat; reaffirms earnings year guidance at top of range
Q3 earnings topped the Wall Street consensus on Tuesday as strong consumer spending supported broad-based purchase volume growth across its five sales platforms. Loan volume grew, and its net ...
Synchrony Financial's Dividend Analysis
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FAQ
Synchrony Financial (SYF) stock forecast FAQ
What is the Synchrony Financial (SYF) stock forecast?
Our AI scores Synchrony Financial every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
How accurate are Synchrony Financial stock predictions?
For SYF, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 29.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 16.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Synchrony Financial forecasts updated?
Synchrony Financial forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Nov. 6, 2026.
Which companies are Synchrony Financial's industry peers?
60 issuers in our coverage, SYF included, share the SEC industry code Finance Services. The largest are: American Express Co (AXP), Strategy Inc (MSTR), Coinbase Global, Inc. (COIN), Sofi Technologies, Inc. (SOFI), Circle Internet Group, Inc. (CRCL), Chime Financial, Inc. (CHYM).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.