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Stock Ratings / Financials / SYF
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Synchrony Financial (SYF) — RQD Stock Rating Cockpit

$76.82 +1.95% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $76.94

Synchrony Financial (SYF) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $23.46B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SYF Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Synchrony Financial (NYSE: SYF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $76.82 (+1.95% 1D, market cap $23.46B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, SYF ranks #123 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SYF compare to AFRM and SOFI in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), SYF carries a Roarable C+ (69/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 7.6%. By comparison, AFRM (Affirm Holdings Inc.) holds a C- grade (59/100 RQD, P/E N/A, ROIC -1.2%, cap $24.90B) and SOFI (SoFi Technologies Inc.) posts a E grade (32/100 RQD, P/E 47.3x, ROIC 2.1%, cap $21.65B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SYF?
▼

Per SYF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001601712), Synchrony Financial generated $11.74B in revenue (+1.5% YoY), $3.55B in net income, and $9.85B in free cash flow against $119.09B in total assets and $46.05B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $76.94 (+0.16%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 83.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C+
Cash (13)Whales (12)SEC (15)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4.9% Base Target
$95 Bull$81 Base$63 Bear
📬 FREE SYF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SYF)Realized 20D OHLCV Swing Band: ±5.3%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY SYF SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (52.4) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$71.72+3.3% Next Q
Q2 (-2Q)
64
Grade C+$74.11+1.7% Next Q
Q3 (-1Q)
66
Grade B-$75.36+1.9% Next Q
Current
69
Grade C+$76.82+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SYF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, SYF faces multiple-compression risk if 6.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($74.80) or 200D SMA ($73.59) invalidates the momentum regime and cuts Target Base ($80.62) toward Bear Floor ($62.88).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SYF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SYF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
52.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE53% OF RANGE
L: $63$76.82H: $89
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on SYF

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

7.6% ROIC with 42.0% gross margin and 22.00% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

29/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like SYF
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SYF Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
SYF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.48%⚡ TESTING RESISTANCE
2026-11-03O $76.97H $76.97L $75.35C $76.82VOL 2.92M
RES: $77.44SUP: $68.79SMA50: $74.80SMA200: $73.59
$82.89$78.87$74.85$70.82$66.80RES $77.44SUP $68.79$76.822026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SYF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SYF Butterfly Map → + Track SYF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-8.8%/yr Implied 5Y Growth

vs. +1.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SYF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SYF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SYF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SYF)

Financials Rank #123 of 1097 ⚔️ AFRM vs SYF Full Matrix →

1. Head-to-Head Financials Peer Comparison (SYF vs. AFRM, SOFI, EFX, CRCL)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Synchrony Financial (SYF) ranks #123 by composite RQD confidence (69/100, grade C+) and #108 by equity capitalization ($23.46B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. EFX currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with SYF at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SYF ACTIVE
Synchrony Financial
C+ 69/100 6.7x — 7.6% +1.95% $23.46B Benchmark Subject
AFRM
Affirm Holdings Inc.
C- 59/100 — — -1.2% +0.15% $24.90B /afrm-vs-syf →
SOFI
SoFi Technologies Inc.
E 32/100 47.3x — 2.1% -0.95% $21.65B /sofi-vs-syf →
EFX
Equifax Inc.
B- 71/100 31.8x — 10.2% +4.29% $21.60B /efx-vs-syf →
CRCL
Circle Internet Group Inc.
D 44/100 — — -0.2% -0.63% $18.42B /crcl-vs-syf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001601712 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Synchrony Financial (SYF) reported GAAP revenue of $11.74B (+1.5% vs. FY2024 revenue of $11.56B , and +58.7% cumulative change since FY2023) , GAAP net income of $3.55B, operating cash flow of $9.85B, and free cash flow of $9.85B (+0.0% YoY). On the balance sheet, SYF closed FY2025 with $119.09B in total assets against $46.05B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $11.74B $3.55B $9.85B $9.85B $119.09B $46.05B
FY2024 (FY) 2024-12-31 $11.56B $3.50B $9.85B $9.85B $119.46B $46.30B
FY2023 (FY) 2023-12-31 $7.39B $2.24B $8.59B $8.59B $13.18B $3.08B

3. SYF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Synchrony Financial (NYSE: SYF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $76.82 (+1.95% 1D, market cap $23.46B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, SYF ranks #123 in composite RQD confidence.

How does SYF compare to AFRM and SOFI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), SYF carries a Roarable C+ (69/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 7.6%. By comparison, AFRM (Affirm Holdings Inc.) holds a C- grade (59/100 RQD, P/E N/A, ROIC -1.2%, cap $24.90B) and SOFI (SoFi Technologies Inc.) posts a E grade (32/100 RQD, P/E 47.3x, ROIC 2.1%, cap $21.65B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SYF?

Per SYF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001601712), Synchrony Financial generated $11.74B in revenue (+1.5% YoY), $3.55B in net income, and $9.85B in free cash flow against $119.09B in total assets and $46.05B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SYF trading relative to its 50-day, 200-day, and 52-week technical levels?

SYF last traded at $76.82 (+1.95% on volume of 5,661,673 shares), positioning the stock +2.70% above its 50-day simple moving average ($74.80) and +4.39% above its 200-day simple moving average ($73.59). Across its 52-week range of $63.08 to $88.77, SYF sits at the 53.5% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($72.75 to $80.89).

Direct Sub-Reports: SYF RQD Cockpit SYF 12M Forecast SYF Earnings & Move SYF Dividends & DRIP SYF Insiders & 13F SYF Whale Options SYF Profit Sankey SYF News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

SYF — Synchrony Financial: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Synchrony Financial (SYF) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $76.82 (+1.95% 1D, market capitalization $23.46B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 7.6%, gross margin of —, operating margin of 64.6%, and free cash flow yield of 22.00%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (15/20): Incorporates a 1.16x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Synchrony Financial is a NYSE-listed issuer classified under the Financials sector and the Finance: Consumer Services industry..0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Synchrony Financial (SYF) reported $11.74B in annual revenue (up from $11.56B in FY2024, +1.5% YoY) and $3.55B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($7.39B revenue, $2.24B net income) through FY2025, SYF scaled operating cash flow to $9.85B and free cash flow to $9.85B, backed by $119.09B in total assets against $46.05B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $63.08 – $88.77 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 6.7x trailing P/E and 11.3x EV/EBITDA against 64.6% operating margins and a 1.16x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks beyond the sector and industry classification already stated.

  • Key Question #1: Can SYF sustain or expand its 64.6% operating margin and 7.6% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $11.74B and free cash flow of $9.85B, how will capital allocation balance growth reinvestment against $46.05B in total debt?
  • Key Question #3: How sensitive is SYF's 6.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.16x)?

SYF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Synchrony Financial (SYF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SYF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SYF Bull vs. Bear Conversation Board — What's Your Call at $76.82?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SYF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SYF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $90.42 (+20.0%)
📌 Pinned Debate

Per the Roarable RQD rating, the 22% FCF yield and 17/20 insider-conviction pillar point to strong cash generation and constructive ins

Long SYF at $75.35 targeting $90.42. Per the Roarable RQD rating, the 22% FCF yield and 17/20 insider-conviction pillar point to strong cash generation and constructive insider activity at a 6.2 forward P/E.. Institutional whale score is 12/20 and the risk/reward vs. the $63.08 52-week low is skewed heavily in favor of bulls.

RetailWhale_TX 🐂 BULL

@ForensicBear Shorting a 12/20 institutional whale-flow stock at $75.35 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $62.54 (-17.0%)
Spot @ $75.35

Per the market data, beta of 1.16 and ROIC of 7.6% leave the stock exposed to macro risk-off moves with modest capital efficiency.

I respect the product at Synchrony Financial, but the stock at $75.35 is a different story. Per the market data, beta of 1.16 and ROIC of 7.6% leave the stock exposed to macro risk-off moves with modest capital efficiency.. FCF yield is 22.0% and RQD sits at 69/100 (C+) — why pay up here when you can wait for next quarter's numbers?

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