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
67Pulling 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
56Pulling 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
| Chart | Score | Weight |
|---|---|---|
| Hourly | 58 | 1 |
| Daily | 56 | 3 |
| Weekly | 58 | 2 |
| Monthly | 66 | 2 |
| Quarterly | 68 | 2 |
Composite score, last 90 days
Show the daily numbers
| Date | Composite |
|---|---|
| Oct 22, 2026 | 64 |
| Oct 21, 2026 | 62 |
| Oct 20, 2026 | 61 |
| Oct 19, 2026 | 62 |
| Oct 18, 2026 | 62 |
| Oct 17, 2026 | 62 |
| Oct 16, 2026 | 62 |
| Oct 15, 2026 | 61 |
| Oct 14, 2026 | 58 |
| Oct 13, 2026 | 62 |
| Oct 12, 2026 | 62 |
| Oct 11, 2026 | 61 |
| Oct 10, 2026 | 61 |
| Oct 9, 2026 | 61 |
| Oct 8, 2026 | 61 |
| Oct 7, 2026 | 60 |
| Oct 6, 2026 | 60 |
| Oct 5, 2026 | 59 |
| Oct 4, 2026 | 59 |
| Oct 3, 2026 | 59 |
| Oct 2, 2026 | 59 |
| Oct 1, 2026 | 58 |
| Sep 30, 2026 | 58 |
| Sep 29, 2026 | 58 |
| Sep 28, 2026 | 58 |
| Sep 27, 2026 | 59 |
| Sep 26, 2026 | 59 |
| Sep 25, 2026 | 59 |
| Sep 24, 2026 | 59 |
| Sep 23, 2026 | 58 |
| Sep 22, 2026 | 59 |
| Sep 21, 2026 | 61 |
| Sep 20, 2026 | 60 |
| Sep 19, 2026 | 60 |
| Sep 18, 2026 | 60 |
| Sep 17, 2026 | 60 |
| Sep 16, 2026 | 60 |
| Sep 15, 2026 | 61 |
| Sep 14, 2026 | 61 |
| Sep 13, 2026 | 61 |
| Sep 12, 2026 | 61 |
| Sep 11, 2026 | 61 |
| Sep 10, 2026 | 60 |
| Sep 9, 2026 | 62 |
| Sep 8, 2026 | 65 |
| Sep 7, 2026 | 65 |
| Sep 6, 2026 | 66 |
| Sep 5, 2026 | 66 |
| Sep 4, 2026 | 66 |
| Sep 3, 2026 | 66 |
| Sep 2, 2026 | 65 |
| Sep 1, 2026 | 63 |
| Aug 31, 2026 | 62 |
| Aug 30, 2026 | 65 |
| Aug 29, 2026 | 65 |
| Aug 28, 2026 | 63 |
| Aug 27, 2026 | 64 |
| Aug 26, 2026 | 65 |
| Aug 25, 2026 | 66 |
| Aug 24, 2026 | 65 |
| Aug 23, 2026 | 65 |
| Aug 22, 2026 | 65 |
| Aug 20, 2026 | 65 |
| Aug 19, 2026 | 67 |
| Aug 18, 2026 | 68 |
| Aug 17, 2026 | 68 |
| Aug 16, 2026 | 68 |
| Aug 15, 2026 | 69 |
| Aug 14, 2026 | 68 |
| Aug 13, 2026 | 69 |
| Aug 12, 2026 | 68 |
| Aug 11, 2026 | 68 |
| Aug 10, 2026 | 64 |
| Aug 9, 2026 | 64 |
| Aug 8, 2026 | 64 |
| Aug 7, 2026 | 68 |
| Aug 6, 2026 | 63 |
| Aug 5, 2026 | 64 |
| Aug 3, 2026 | 64 |
| Aug 2, 2026 | 62 |
| Jul 31, 2026 | 77 |
| Jul 30, 2026 | 77 |
| Jul 29, 2026 | 77 |
| Jul 28, 2026 | 77 |
| Jul 27, 2026 | 76 |
| Jul 26, 2026 | 69 |
| Jul 25, 2026 | 69 |
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
| Company | Market cap | Score |
|---|---|---|
| PYPL PayPal | $49.2B | 57 |
| AFRM Affirm | $24.4B | 63 |
| SOFI SoFi Technologies | $19.1B | 51 |
| ALLY Ally Financial | $12.0B | 53 |
| FCFS FirstCash | $8.0B | 59 |
| OMF OneMain | $6.6B | 58 |
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.