Synchrony Financial (SYF) Stock Price & Analysis
Market: NYSE • Sector: Financial Services • Industry: Financial - Credit Services
Synchrony Financial (SYF) Profile & Business Summary
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
Key Information
| Ticker | SYF |
|---|---|
| Exchange | NYSE |
| Official Site | https://www.synchrony.com |
Market Trend Overview for SYF
One model, two time views: what the market looks like right now, and where the larger trend is heading over time.
SRE (WhaleQuant Structural Regime Engine) SRE evaluates how price structure evolves across daily and weekly timeframes to define the prevailing market regime. Beyond identifying trends, consolidations, and exhaustion phases, it distinguishes between raw structural strength and deployable participation quality. The model dynamically adjusts for structural context and extension risk, assessing whether conditions are supportive, stretched, fragile, or structurally impaired. Its purpose is not to forecast precise price levels, but to determine whether risk deployment is aligned with underlying market structure.
Longer-Term Market Trend (Mid to Long Term)
Shows the bigger market trend, how strong it is, and where risks may start to build over the next few weeks or months. — Updated as of 2026-07-13 (ET)
As of 2026-07-13, SYF is showing signs of slowing down. Over the longer term, the trend remains bearish.
SYF last closed at 73.21. The price is about 0.8 ATR below its recent average price (74.79), and the market is currently in a trend that may be losing strength. Price at 73.21 is near minor support around 69.10. Momentum may slow, while minor resistance sits near 76.87. View Support & Resistance from Options
Short-term and long-term trends are aligned to the downside, keeping downside risk dominant.
Trend score: 45 out of 100. Overall alignment is unclear. The market is currently in a late-stage trend that may be losing strength. The longer-term trend is still negative, but short-term signals are not yet confirming it.
There is no clear key risk boundary right now.
On 2026-07-08, trend conditions deteriorated, suggesting that moves in the prior direction became less dependable.
[2026-07-02] Price moved quickly and looked strong, but participation was limited.
Recent price action shows orderly upward progression with no major deterioration in bar-level efficiency. Structural conditions remain broadly constructive.
Buying pressure built into the close, but price action was choppy and lacked clean follow-through.
The model sees a bearish edge, but still treats it as a selective downside setup rather than an aggressive downside call.
Up probability is only 39.7%, with predictability at 52% and agreement at 88%. Reversal risk is 18%, while reward/risk stands at -0.21. That suggests downside pressure is present, while the setup still remains selective rather than extreme.
NOTE: This next-day up/down probability forecast module is still being tested for accuracy. Please do not rely on it for investment decisions. The model does not account for black swan events or company-specific fundamental news, and its estimates are based solely on technical conditions, capital flow, and market sentiment. View forecast history
This reading is based on the last 20 trading days of 15-minute price, volume, and VWAP data. Price is only slightly below the recent estimated cost basis of 74.02. Price is below the main cost band (74.97 to 77.32), so this area is still important on any rebound attempt. The lower down support area sits around 69.29 to 69.45. The higher up selling area sits around 75.13 to 77.24, so rebounds may begin to slow as price pushes into that zone. There is also a nearby thin-trading zone above between 73.75 and 74.72, so moves can travel faster if price enters that area. Recent positioning looks fairly balanced, with 46% in profit and 54% under water. The main cost band is fairly wide relative to recent ATR, so this structure may behave less cleanly than a tighter setup. From a trading point of view, the structure is still best read by comparing price with the main cost band first, then watching whether the lower support zone or higher supply zone becomes the next directional checkpoint.