Synchrony Financial (SYF) Stock Analysis
Recovery setup
Financial Services · Credit Services
Hold if already holding. Not a fresh buy at $73.36, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club, TJX (54.0%); Thin upside margin: 9.5%.
Synchrony Financial is a consumer financial services company providing private label, dual, co-brand, and general purpose credit cards plus installment loans through retail partner program agreements across five sales platforms. With $103.8 billion in loan receivables, 70.7... Read more
Hold if already holding. Not a fresh buy at $73.36, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club, TJX (54.0%); Thin upside margin: 9.5%. Chart setup: Death cross but MACD improving, RSI 55. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 36d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-14Recent Developments — Synchrony Financial
Latest news
- NEWS Is Synchrony Financial (SYF) an Underappreciated Stock? - Insider Monkey — Insider Monkey positive
- NEWS What Analyst Projections for Key Metrics Reveal About Synchrony (SYF) Q1 Earnings - Yahoo Finance — Yahoo Finance neutral
- NEWS Wells Fargo maintains overweight rating on Synchrony (SYF) - MSN — MSN positive
- NEWS Synchrony Financial stock outperforms competitors on strong trading day - MarketWatch — MarketWatch positive
- NEWS Synchrony Financial $SYF Stock Position Decreased by Massachusetts Financial Services Co. MA - MarketBeat — MarketBeat neutral
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomerAmazon, Lowe's, PayPal, Sam's Club, TJX54%10-K Item 1: 'Amazon, Lowe’s, PayPal, Sam’s Club and TJX Companies, Inc. ... accounted in aggregate for 54% of our total interest and fees on loans for the year ended December 31, 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $73.36, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club, TJX (54.0%); Thin upside margin: 9.5%. Chart setup: Death cross but MACD improving, RSI 55. Maintain position. Not compelling to add more. Target $80.30 (+9.5%), stop $69.06 (−6.2%), A.R:R 1.4:1. Score 5.9/10, moderate confidence.
Take-profit target: $80.30 (+9.5% upside). Target $80.30 (+9.5%), stop $69.06 (−6.2%), A.R:R 1.4:1. Stop-loss: $69.06.
Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club, TJX (54.0%); Thin upside margin: 9.5%.
Synchrony Financial trades at a P/E of 7.6 (forward 7.0). TrendMatrix value score: 7.6/10. Verdict: Hold.
27 analysts cover SYF with a consensus score of 3.9/5. Average price target: $89.
What does Synchrony Financial do?Synchrony Financial is a consumer financial services company providing private label, dual, co-brand, and general...
Synchrony Financial is a consumer financial services company providing private label, dual, co-brand, and general purpose credit cards plus installment loans through retail partner program agreements across five sales platforms. With $103.8 billion in loan receivables, 70.7 million active accounts, and $21.7 billion in interest and fees on loans in 2025, revenue depends heavily on a small number of large retail partners.