Global stock

NYSEUSD

Synchrony Financial

SYF

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

64/ 100

Overall score·SYF

Current price

74.83USD

26/10/2026

P/E, P/B

Valuation

Strong

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Nízké P/E a forward P/E spolu s PEG pod 1 naznačují atraktivní ocenění, přičemž ziskovost a ROE jsou silné. Slabšími stránkami jsou téměř stagnující růst tržeb, pokles ceny za posledních 30 dní pod 50denní i 200denní průměr a citlivost úvěrového portfolia na ekonomický cyklus.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 59%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Context and events

Management

Brian D. Doubles je prezident, CEO a člen správní rady; Brian J. Wenzel Sr. zastává funkci výkonného viceprezidenta a CFO. Strategie Synchrony stojí na spotřebitelském financování a kreditních kartách nabízených ve spolupráci s obchodními partnery. Jonathan S. Mothner vede oblast rizik a právních záležitostí, Carol D. Juel řídí digitální platformu.

Articles about Synchrony Financial, in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

20 October 2026

Expected

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is Synchrony Financial (SYF)?

Synchrony Financial (SYF) is a global stock traded on NYSE. Sector: Financial services. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the Synchrony Financial price today?

As of 26 October 2026, Synchrony Financial trades at about 74.83 USD per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy Synchrony Financial?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does Synchrony Financial pay a dividend?

Synchrony Financial either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is Synchrony Financial a good investment in 2026?

Our AI signal currently rates Synchrony Financial as slightly positive (score 59/100). Financial health comes out at 64/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More global stocks

Microsoft Corporation

§ How to buy Synchrony Financial

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Slightly positive

News summary

Older news

Signal 22/10, 18:02

JPMorgan 21. října zvýšil cílovou cenu Synchrony ze 74 na 77 USD; další podporu by potvrdil růst ceny, zatímco stagnace může dopad omezit.

Příznivé ocenění a zlepšený výhled zisku podporují střednědobý obraz. Krátkodobě je ale cena téměř beze změny za týden a technika ukazuje neutrální momentum.

Risks: Zhoršení úvěrových ztrát nebo slabší vývoj ceny by oslabilo příznivý výhled.

More about the signal

Příznivé ocenění a zlepšený výhled zisku podporují střednědobý obraz. Krátkodobě je ale cena téměř beze změny za týden a technika ukazuje neutrální momentum.

Risks: Zhoršení úvěrových ztrát nebo slabší vývoj ceny by oslabilo příznivý výhled.

Signal history· 2

21/1014:0248 · Neutral
Evercore ISI snížil 21. října hodnocení Synchrony na „In Line“ a stanovil cílovou cenu 78 USD; dopad by zmírnily stabilní úvěrové ztráty.
21/1004:0259 · Slightly positive
Synchrony podle zpráv zvýšila výhled zisku za 3. čtvrtletí a vykázala rekordní objem nákupů; příznivý dopad by potvrdil další vývoj úvěrových ztrát.

The full 90-day signal history is part of Premium.

Ask the AI

DCF valuation

A DCF model is not suitable for this asset class.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 16 of 18

Valuation score

4/ 6

4/6 tests available

1. Below DCF fair value

The complete DCF range or the current price is missing.

2. Well below DCF value

The complete DCF range or the current price is missing.

3. Price vs. the last year

45% above the 1-year low (63.78 USD to 88.47 USD), based on stored daily prices.

4. P/E vs. similar companies

P/E 7.4 vs. median 16.6 (65 companies).

5. P/E relative to growth

PEG 0.9; a lower value means cheaper growth.

6. Analyst price target

19.2% vs. the current price, 23 analysts.

Price and fair value

no complete range

The DCF check appears once both the price and the model range are available.

Price vs analyst target

Current price

74.83 USD

Low 78.00 USDHigh 104.0 USD

Current priceAverage: 89.17 USD

DCF gap

no complete range

The DCF check appears once both the price and the model range are available.

Analyst target

+19.2%

Average target 89.17 USD vs. price 74.83 USD.

Analyst consensus

Target range

78.00 USD - 104.0 USD

Coverage

23 analysts

Analyst consensus

1.8 / 5

Changes 180 d

+0 / -1

EPS next year

11.0%

Revenue next year

5.3%

Valuation multiples

7.4

6.9

1.5

2.4

0.9

52-week range45% above the low

63.78 USD88.47 USD

4.0%

1.0%

35.5%

20.8%

Price vs 50D-2.5%

Price vs 200D0.2%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 26/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

strong

Vedení získává solidní hodnocení za relativně nízké celkové governance riziko a stabilní dividendovou politiku; dostupné informace však neposkytují podrobnější důkaz o dlouhodobé exekuci.

good

Partnerské programy s řadou známých obchodníků a značka CareCredit podporují distribuční dosah a vztahy se zákazníky. Konkurenční výhoda je omezena konkurencí bank a fintechů a citlivostí na kvalitu úvěrového portfolia.

Information

Type: Global stock
Symbol: SYF
Exchange: NYSE
Currency: USD
Sector: Financial services
: 7.4x
: 23.4B USD
: 1.34

§ Risk profile

Pro českého investora se k úvěrovým a tržním rizikům přidává kurzové riziko USD/CZK. Zhoršení americké ekonomiky může zvýšit nesplácení a náklady na úvěrové ztráty.

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