Synchrony Financial (SYF) Stock Analysis
Financial Services · Credit Services
Hold if already holding. Not a fresh buy at $76.16, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club and TJX Companies (54.0%); Thin upside margin: 5.9%.
Synchrony Financial is a consumer financial services company operating partner-branded credit cards, installment loans, and deposit products in the US through five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle. It financed $182.3... Read more
Hold if already holding. Not a fresh buy at $76.16, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club and TJX Companies (54.0%); Thin upside margin: 5.9%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity 81d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomerAmazon, Lowe's, PayPal, Sam's Club and TJX Companies54%10-K Item 1A: 'Our five largest programs based upon interest and fees on loans for the year ended December 31, 2025 were Amazon, Lowe's, PayPal, Sam's Club and TJX Companies, Inc. These programs accounted in aggregate for 54% of our total interest and fees on loans'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Momentum 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 $76.16, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club and TJX Companies (54.0%); Thin upside margin: 5.9%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $80.63 (+5.9%), stop $71.95 (−5.9%), A.R:R 0.4:1. Score 5.7/10, moderate confidence.
Take-profit target: $80.63 (+5.9% upside). Target $80.63 (+5.9%), stop $71.95 (−5.9%), A.R:R 0.4:1. Stop-loss: $71.95.
Concentration risk — Customer: Amazon, Lowe's, PayPal, Sam's Club and TJX Companies (54.0%); Thin upside margin: 5.9%; Negative momentum.
Synchrony Financial trades at a P/E of 7.8 (forward 7.2). TrendMatrix value score: 7.6/10. Verdict: Hold.
27 analysts cover SYF with a consensus score of 4.0/5. Average price target: $90.
What does Synchrony Financial do?Synchrony Financial is a consumer financial services company operating partner-branded credit cards, installment loans,...
Synchrony Financial is a consumer financial services company operating partner-branded credit cards, installment loans, and deposit products in the US through five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle. It financed $182.3 billion of purchase volume in 2025, had $103.8 billion in loan receivables, and served 70.7 million active accounts. Revenue is primarily interest and fees on loan receivables ($21.7 billion in 2025).