RayanaAI
Account
SYF
HOLD / NEUTRALMeanRev
Composite
36.10
Technical
50.80
Fundamental
31.20
Rank
—
Price
75.09
Hurst
0.12
As of
Oct 23, 2026
Daily
Synchrony Financial
Financial ServicesCredit Services

Synchrony Financial is a consumer finance provider operating across the United States that offers credit cards, installment loans, and banking deposit products to individual consumers. The company partners with major retailers, healthcare providers, and other merchants to offer co-branded and private label credit cards, as well as financing solutions in sectors including apparel, sporting goods, healthcare, and automotive. Through its CareCredit brand and other programs, it also provides healthcare-specific payment and financing options, while accepting customer deposits through digital channels and third-party institutions.

Market cap
$24.5B
P/E (trailing)
7.87
P/E (forward)
7.18
PEG ratio
0.93
Dividend yield
180.00%
Beta
1.34
52w range
63.08 – 88.77
Return on equity
+19.83%
Profit margin
+34.07%
Revenue growth
-4.70%
Earnings growth
-6.30%
Price history

1Y: 75.35 (+3.0%) · range 63.25–87.38

Cycle position
46/ 100 cycle scoreMID-BULL
ENTRYAPPROACHMID-BULLNEAR-TOPEXIT

entry readiness 31 · NOT READY · exit proximity 0

Conviction
27/ 100 · maturity 100%
VScore.4018
Buildup.2036
EMA entry setup.2531
Fundamentals.1531
Volume profile
POC
71.30
Price vs POC
+5.7%
Overhead supply
35%
Runway
+0.3%

Value area 70.02–77.10 · 35% of 120d volume overhead · moderate overhead

Contributing sources
SourceScoreLast seen
earnings-surprise
0.358
Oct 30, 2026
Forward returns
HorizonReturnMFEState
20d-8.75%-0.01%mature
40d-7.87%-0.01%mature