NASDAQ · STOCK
Synchrony Financial
$72.40
52W $63.08 – $88.77
67/100
$24.07B
6.4
1.33
Price History (6M)
Executive Summary
6 analysts weighed in with 83% agreement on a bullish lean. Growth Analyst: EPS growing 32.1% YoY. Overall recommendation: BUY.
Bull & Bear Case
Bull Case
- Weekly trend: uptrend.
- Daily downtrend but weekly uptrend — possible early reversal but not yet confirmed on the daily.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.704) — bearish momentum.
AI Investment Committee
Committee Consensus
As of July 11, 2026
Overall Committee Score
67/100
Agreement
67%
Analysts
6
Conviction
Moderate
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 6.8 is inexpensive for the broad market
Growth Analyst
bullish
78
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 32.1% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
42.8
Neutral
MACD Histogram
-0.704
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$69.77
Resistance
$77.41
Bollinger %B
0.24
Inside Bands
Price vs Moving Averages
EMA 9
$73.76
Below
EMA 21
$74.19
Below
EMA 50
$73.58
Below
EMA 200
$72.33
Above
Fundamental Analysis
Valuation
98
Growth
89
Profitability
67
Financial Health
80
Valuation
P/E Ratio
6.4×
P/B Ratio
1.79×
PEG Ratio
—
Dividend Yield
1.68%
52W High
$88.77
52W Low
$63.08
Quality & Growth
ROE
2141.0%
ROA
301.0%
Gross Margin
—
Operating Margin
1839.3%
Revenue Growth YoY
+2048.4%
Debt / Equity
0.91
AI Fundamental Assessment
P/E ratio of 6.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.8x; Revenue growth (YoY) of 20.5%; EPS growth (YoY) of 32.1%; Return on equity of 21.4%; Return on assets of 3.0%; Net margin of 14.1%; Debt-to-equity of 0.91; Most recent quarter beat estimates by 2.8%; EPS growth accelerating (-28.7% -> +11.3% QoQ); Analyst estimates flat over recent quarters
Key Risks
- MACD histogram is negative (-0.704) — bearish momentum.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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