NASDAQ · STOCK
Synchrony Financial
$75.78
52W $63.08 – $88.77
63/100
$24.66B
7.7
1.31
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is SYF Bullish or Bearish?
Bullish.
Innellis AI committee rates Synchrony Financial (SYF) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.62 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.38 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 7.2 is inexpensive for the broad market — Value
- ROE of 20.9% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Risk/reward is unfavorable: 7.9% downside vs 2.1% upside.
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 19%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 7.2 is inexpensive for the broad market
Growth Analyst
bullish
75
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 33 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 65.3 to 63.4.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 4 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +2 bullish signal(s).
- News Analyst: score 68->64 (-4); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
55.5
Neutral
MACD Histogram
0.335
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$69.77
Resistance
$77.41
Bollinger %B
0.72
Inside Bands
Price vs Moving Averages
EMA 9
$75.08
Above
EMA 21
$74.48
Above
EMA 50
$73.91
Above
EMA 200
$72.59
Above
Fundamental Analysis
Valuation
100
Growth
74
Profitability
1
Financial Health
88
Cash Flow
38
Valuation
P/E Ratio
7.7×
P/B Ratio
1.49×
PEG Ratio
0.41
Dividend Yield
0.02%
52W High
$88.77
52W Low
$63.08
Quality & Growth
ROE
21.2%
ROA
3.0%
Gross Margin
68.3%
Operating Margin
23.6%
Revenue Growth YoY
—
Debt / Equity
0.97
AI Fundamental Assessment
P/E ratio of 7.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.2%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 3.72 (healthy short-term liquidity); Debt-to-equity of 0.97; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (29.26); Most recent quarter beat estimates by 21.5%; 2 consecutive earnings beats; EPS growth accelerating (+11.3% -> +14.1% QoQ); Average YoY EPS growth of 3.6%; Analyst estimates rising over recent quarters
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