SYF — Synchrony Financial

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Synchrony Financial

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of … Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$72.09
Market Cap$24.22B
Float335.1M
Shares Outstanding336.4M
P/E (Forward)7.81
P/E (TTM)7.45
Price/Sales (TTM)2.45
vs. Analyst Target+24.3% to analyst PT
Profit Margin36.39%
Operating Margin (TTM)48.03%
Revenue (TTM)$9.89B
Earnings Growth (YoY)20.10%
Dividend Rate1.2%
Analyst Target Price$89.59 (22 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $12.83B $1.39B $5.85B $2.18B
2021 $11.22B $4.22B $9.47B $5.89B
2022 $13.20B $3.02B $8.30B $4.38B
2023 $17.34B $2.24B $7.66B $3.36B
2024 $20.76B $3.50B $9.39B $5.03B
2025 $19.12B $3.55B $9.76B $5.13B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $4.71B $967M
Sep 2025 $4.83B $1.08B
Dec 2025 $4.77B $751M
Mar 2026 $5.60B $805M

Ownership & Float

Insider Ownership0.3%
Institutional Ownership107.9%
Short Float6.2%
% of All Funds Holding10.93%
Number of Funds Holding898

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$72.50Near-term / short-term trend
Weekly40-Week SMA$74.59Medium-term trend
Weekly80-Week SMA$68.50Cyclical trend (business cycle)
Weekly200-Week SMA$50.10Secular trend (multi-year)
Monthly10-Month SMA$74.06Near-term monthly trend
Monthly20-Month SMA$67.84Medium-term monthly trend
Monthly40-Month SMA$53.03Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$83.00 resistance 1.31x 3 months ago

Historical Earnings Reactions (48 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.25% 0.19% 56.25% 3.81% -1.99%
1 Day 0.67% 0.73% 60.42% 5.80% -6.03%
1 Week 1.26% 0.75% 58.33% 38.76% -10.85%
2 Weeks 0.14% 0.03% 50.00% 14.04% -15.76%
1 Month 2.02% 2.61% 57.45% 23.84% -18.66%

Next earnings: July 21, 2026 (54 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan1.0%50.0%12
Feb-0.7%50.0%12
Mar-8.4%25.0%12
Apr4.0%75.0%12
May2.8%72.7%11
Jun1.1%72.7%11
Jul3.5%72.7%11
Aug2.2%50.0%12
Sep-2.3%33.3%12
Oct3.0%58.3%12
Nov8.6%83.3%12
Dec2.0%58.3%12

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.08% 54.0% 556
Tuesday 0.04% 50.9% 613
Wednesday 0.21% 53.0% 609
Thursday -0.05% 49.5% 596
Friday 0.05% 52.8% 597

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 107.9%

Insider Transactions — Smart Summary

Total insider ownership: 0.3%

12-Month Insider Activity Summary

Total Filings29
Net Value-$51.4M
Net Shares Change-501,804
% of Float-0.1%
C-Suite Filings22
Clusters Detected4

Key Insiders

NameTitleNet ValueFilingsActivity
DOUBLES BRIAN D President and CEO -$17.4M 1 N/A
Wenzel Brian J. Sr. EVP, Chief Financial Officer -$5.7M 1 N/A
Juel Carol EVP, Chief Technology and Operating Officer -$5.3M 2 N/A
Schaller Bart EVP, CEO--Digital -$4.1M 2 N/A
MOTHNER JONATHAN S EVP, Chief Risk and Legal Officer -$3.3M 1 N/A
Casellas Alberto EVP, CEO--Health and Wellness -$1.8M 1 N/A
Howse Curtis EVP, CEO--Home and Auto -$645,775.8 1 N/A
COVIELLO ARTHUR W JR -$306,200 1 N/A

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-08-05 – 2025-08-05 4 4 -$1.8M 3 C-suite
2025-11-05 – 2025-11-19 4 4 -$3.4M 3 C-suite
2026-02-19 – 2026-03-03 13 8 -$40.8M 11 C-suite
2026-05-05 – 2026-05-19 4 4 -$4.5M 3 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-05-19 MOTHNER JONATHAN S EVP, Chief Risk and Legal Officer -$3.3M Transaction at $52.77, now +36.6%
2026-03-03 DOUBLES BRIAN D President and CEO -$17.4M Transaction at $57.22, now +26.0%
2026-03-03 Wenzel Brian J. Sr. EVP, Chief Financial Officer -$5.7M Transaction at $68.22, now +5.7%
2026-03-03 Schaller Bart EVP, CEO--Digital -$1.6M Transaction at $68.41, now +5.4%
2026-03-03 Juel Carol EVP, Chief Technology and Operating Officer -$2.1M Transaction at $68.41, now +5.4%
2026-03-03 Casellas Alberto EVP, CEO--Health and Wellness -$1.8M Transaction at $68.41, now +5.4%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Synchrony Financial (SYF) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for SYF on Trend Edge →