Synchrony Financial

SYF stock score: 64/100

$75.09 · +1.32% · Scored Oct 22, 2026

Technical
61
Fundamental
67
News
63

The reading

Synchrony Financial (SYF) scores 64 out of 100, which reads neutral, higher than 75% of Financial Services stocks and 87% of the 4,161 US stocks we score.

The composite is technicals and fundamentals weighted equally: technicals read 61, fundamentals 67.

Among the fundamentals, Return on Assets (ROA) at 98 and Operating Margins at 97 score highest, while Institutional Ownership at 10 weighs the most against it.

On the daily chart, trend-following indicators average 59 and contrarian oscillators 43.

News sentiment is positive at 63; it is shown, not counted in the composite.

Since Jul 25, 2026 the composite has ranged from 58 to 77, and it is down 5 points over the period.

What’s driving the score

The strongest and weakest of the scorers that count toward SYF’s composite. Each returns 0–100, higher is more bullish — including metrics where low is good, like P/E.

Fundamental

67

Pulling it up

  • Return on Assets (ROA)98

    Return on Assets (ROA) shows how efficiently a company uses its assets to generate profit.

  • Operating Margins97

    Operating margins measure profitability after operating expenses.

  • Trailing P/E96

    Trailing P/E ratio uses the last 12 months of actual earnings.

Holding it back

  • Institutional Ownership10

    Institutional ownership measures the percentage held by professional investors.

  • Earnings Growth (Quarterly)15

    Quarterly earnings growth measures profit increase versus the prior-year quarter.

  • Earnings Estimates16

    Earnings estimates score evaluates analyst projections for future profitability.

34 weighted scorers; 7 had no data today and are left out rather than counted as zero.

Technical · daily

56

Pulling it up

  • Parabolic SAR (PSAR)100

    Parabolic SAR (Stop and Reverse) provides trailing stop levels that follow price trends.

  • EMA 50 Cross Up100

    EMA 50 Cross Up detects when price crosses above the 50-period EMA.

  • EMA 200 Cross Up100

    EMA 200 Cross Up tracks when price crosses above the 200-period EMA, creating an "EMA golden cross." This responsive long-term indicator signals potential sustained uptrends earlier than the SMA equivalent.

Holding it back

  • Bollinger Bands (20)0

    Bollinger Bands (20-period) plot standard deviations above and below a moving average.

  • TRIX10

    TRIX is a momentum oscillator that filters out short-term noise by triple-smoothing price data.

  • SPY SMA 1023

    SPY SMA 10 evaluates the S&P 500 (SPY) position relative to its 10-period simple moving average.

62 weighted scorers; 3 had no data today and are left out rather than counted as zero.

News · shown, not counted

Global News
63

Technical score by timeframe

ChartScoreWeight
Hourly581
Daily563
Weekly582
Monthly662
Quarterly682

Composite score, last 90 days

05010064Jul 25, 2026Oct 22, 2026Jul 25, 2026: 69Jul 26, 2026: 69Jul 27, 2026: 76Jul 28, 2026: 77Jul 29, 2026: 77Jul 30, 2026: 77Jul 31, 2026: 77Aug 2, 2026: 62Aug 3, 2026: 64Aug 5, 2026: 64Aug 6, 2026: 63Aug 7, 2026: 68Aug 8, 2026: 64Aug 9, 2026: 64Aug 10, 2026: 64Aug 11, 2026: 68Aug 12, 2026: 68Aug 13, 2026: 69Aug 14, 2026: 68Aug 15, 2026: 69Aug 16, 2026: 68Aug 17, 2026: 68Aug 18, 2026: 68Aug 19, 2026: 67Aug 20, 2026: 65Aug 22, 2026: 65Aug 23, 2026: 65Aug 24, 2026: 65Aug 25, 2026: 66Aug 26, 2026: 65Aug 27, 2026: 64Aug 28, 2026: 63Aug 29, 2026: 65Aug 30, 2026: 65Aug 31, 2026: 62Sep 1, 2026: 63Sep 2, 2026: 65Sep 3, 2026: 66Sep 4, 2026: 66Sep 5, 2026: 66Sep 6, 2026: 66Sep 7, 2026: 65Sep 8, 2026: 65Sep 9, 2026: 62Sep 10, 2026: 60Sep 11, 2026: 61Sep 12, 2026: 61Sep 13, 2026: 61Sep 14, 2026: 61Sep 15, 2026: 61Sep 16, 2026: 60Sep 17, 2026: 60Sep 18, 2026: 60Sep 19, 2026: 60Sep 20, 2026: 60Sep 21, 2026: 61Sep 22, 2026: 59Sep 23, 2026: 58Sep 24, 2026: 59Sep 25, 2026: 59Sep 26, 2026: 59Sep 27, 2026: 59Sep 28, 2026: 58Sep 29, 2026: 58Sep 30, 2026: 58Oct 1, 2026: 58Oct 2, 2026: 59Oct 3, 2026: 59Oct 4, 2026: 59Oct 5, 2026: 59Oct 6, 2026: 60Oct 7, 2026: 60Oct 8, 2026: 61Oct 9, 2026: 61Oct 10, 2026: 61Oct 11, 2026: 61Oct 12, 2026: 62Oct 13, 2026: 62Oct 14, 2026: 58Oct 15, 2026: 61Oct 16, 2026: 62Oct 17, 2026: 62Oct 18, 2026: 62Oct 19, 2026: 62Oct 20, 2026: 61Oct 21, 2026: 62Oct 22, 2026: 64
Show the daily numbers
DateComposite
Oct 22, 202664
Oct 21, 202662
Oct 20, 202661
Oct 19, 202662
Oct 18, 202662
Oct 17, 202662
Oct 16, 202662
Oct 15, 202661
Oct 14, 202658
Oct 13, 202662
Oct 12, 202662
Oct 11, 202661
Oct 10, 202661
Oct 9, 202661
Oct 8, 202661
Oct 7, 202660
Oct 6, 202660
Oct 5, 202659
Oct 4, 202659
Oct 3, 202659
Oct 2, 202659
Oct 1, 202658
Sep 30, 202658
Sep 29, 202658
Sep 28, 202658
Sep 27, 202659
Sep 26, 202659
Sep 25, 202659
Sep 24, 202659
Sep 23, 202658
Sep 22, 202659
Sep 21, 202661
Sep 20, 202660
Sep 19, 202660
Sep 18, 202660
Sep 17, 202660
Sep 16, 202660
Sep 15, 202661
Sep 14, 202661
Sep 13, 202661
Sep 12, 202661
Sep 11, 202661
Sep 10, 202660
Sep 9, 202662
Sep 8, 202665
Sep 7, 202665
Sep 6, 202666
Sep 5, 202666
Sep 4, 202666
Sep 3, 202666
Sep 2, 202665
Sep 1, 202663
Aug 31, 202662
Aug 30, 202665
Aug 29, 202665
Aug 28, 202663
Aug 27, 202664
Aug 26, 202665
Aug 25, 202666
Aug 24, 202665
Aug 23, 202665
Aug 22, 202665
Aug 20, 202665
Aug 19, 202667
Aug 18, 202668
Aug 17, 202668
Aug 16, 202668
Aug 15, 202669
Aug 14, 202668
Aug 13, 202669
Aug 12, 202668
Aug 11, 202668
Aug 10, 202664
Aug 9, 202664
Aug 8, 202664
Aug 7, 202668
Aug 6, 202663
Aug 5, 202664
Aug 3, 202664
Aug 2, 202662
Jul 31, 202677
Jul 30, 202677
Jul 29, 202677
Jul 28, 202677
Jul 27, 202676
Jul 26, 202669
Jul 25, 202669

Key facts

Market cap
$24.4B
Sector
Financial Services
Industry
Credit Services
Beta
1.34
Risk grade (1–10)
3
Next earnings
Oct 20, 2026

Credit Services peers

CompanyMarket capScore
PYPL PayPal$49.2B57
AFRM Affirm$24.4B63
SOFI SoFi Technologies$19.1B51
ALLY Ally Financial$12.0B53
FCFS FirstCash$8.0B59
OMF OneMain$6.6B58

Questions

What is SYF's stock score today?

SYF scores 64/100 (Neutral) as of Oct 22, 2026: technical 61, fundamental 67, and news sentiment 63, which is shown but not counted. Scores are recomputed every night.

Is SYF a buy?

The score is not a buy or sell recommendation. A 64 says the technical and fundamental signals we measure lean neutral today, relative to every other stock scored the same way. Use the breakdown above to see why, and treat it as a starting point for your own research.

How is the SYF score calculated?

96 weighted scorers feed it today: 34 fundamental, scored against Financial Services ranges, and 62 technical on the daily chart, with 5 timeframes blended into the technical total. Every scorer returns 0–100; missing data is left out, never counted as zero.

Scores are information, not investment advice. Computed from Yahoo Finance, Finnhub and Alpha Vantage data; technical indicators via TA-Lib. Past scores do not predict future returns.