Market Cap
$26.4B
SYF
Synchrony Financial
$71.77 ▲ +0.36%
Prev close $71.51Market cap$26.4B
ConsensusBuy
12-mo target$89.17 (+24.2%)
▲ Bullish
Analyst conviction 6/10
Insider Selling Cluster (4 insiders)High Impact Filing (8/10)35 New Institutional Positions15 Institutional Exits Traditional Finance
Snapshot
The big-picture read on SYF right now — valuation, ownership and activity at a glance.
Cap Size
Large Cap
Analyst Consensus
Buy (64%)
Inst. Holders
50 funds
Inst. Value
$20.0B
Inst. Activity
35 buys / 15 sells
Insider Activity
$0.00 buy / $3.7M sell
Insider Net $
-$3.7M
SEC Reports
19
Press Releases
1
Congressional
3 trades
Price chart 30d -10.1%
Daily candles (open–high–low–close) with volume. Green = up day, red = down day.
No data for this timeframe.
Vol
Recent activity
The latest filings, insider trades, analyst actions, press and options flow — newest first.
Oct 1, 2026 short_volume
Aug 17, 2026 Press Short Volume: SYF — 76.2% short (0.8M / 1.1M)
Short: 807,715 | Exempt: 11,010 | TRF Vol: 1,060,185 | Short Ratio: 76.2% | Off-exchange volume (dar
Synchrony announced an enterprise collaboration with OpenAI to integrate financing, rewards, and loyalty into AI-native
Impact 4/10
Aug 17, 2026 Insider
COLAO DANIEL O was granted 14 shares
Director @ $80.75 ($1.1K)
Aug 17, 2026 Insider
Tiliakos Amy was granted 49 shares
See remarks @ $80.75 ($4.0K)
Aug 17, 2026 Insider
Aug 7, 2026 SEC Casellas Alberto was granted 182 shares
See remarks @ $80.75 ($14.7K)
The district court adopted a magistrate judge's recommendation to dismiss a pro se FCRA lawsuit against Synchrony Bank w
COURT-RULING — Impact 4/10
Aug 5, 2026 Event
Aug 4, 2026 SEC Love v. Synchrony Bank (SYNCB/PPC)
Court ruling (tnwd) — Docket: 2:25-cv-02206
Two Synchrony Financial insiders (Darrell Owens and Courtney Gentleman) sold a combined $102K in open-market shares on A
CLUSTER — Impact 3/10
Analyst ratings buy % -4.5%
How Wall Street rates the stock today, and the latest firm-by-firm actions.
64% rate it Buy or better · 28 analysts
Recent analyst actions
| Date | Firm | Action | Rating | Firm rating |
|---|---|---|---|---|
| Oct 1, 2026 | Evercore ISI Group | MAINTAIN | Outperform | 59% |
| Aug 25, 2026 | Wolfe Research | MAINTAIN | Outperform | 52% |
| Aug 3, 2026 | UBS | MAINTAIN | Neutral | 55% |
| Jul 28, 2026 | Evercore ISI Group | MAINTAIN | Outperform | 59% |
| Jul 22, 2026 | Wells Fargo | MAINTAIN | Overweight | 54% |
| Jul 22, 2026 | RBC Capital | MAINTAIN | Sector Perform | 55% |
| Jul 22, 2026 | Baird | MAINTAIN | Outperform | 54% |
| Jul 13, 2026 | HSBC | MAINTAIN | Buy | 55% |
| Jul 13, 2026 | JP Morgan | MAINTAIN | Neutral | 55% |
| Jul 7, 2026 | TD Cowen | MAINTAIN | Buy | 56% |
Monthly consensus history
| Period | Str. Buy | Buy | Hold | Sell | Str. Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Sep 1, 2026 | 6 | 12 | 10 | 0 | 0 | 64% | |
| Aug 1, 2026 | 6 | 12 | 10 | 0 | 0 | 64% | |
| Jul 1, 2026 | 6 | 12 | 9 | 0 | 0 | 67% | |
| Jun 1, 2026 | 6 | 12 | 9 | 0 | 0 | 67% | |
| May 1, 2026 | 6 | 13 | 8 | 0 | 0 | 70% | |
| Apr 1, 2026 | 7 | 13 | 7 | 0 | 0 | 74% | |
| Mar 1, 2026 | 7 | 13 | 7 | 0 | 0 | 74% | |
| Feb 1, 2026 | 6 | 13 | 8 | 0 | 0 | 70% |
Price targets
Where 23 covering analysts think SYF trades over the next 12 months.
$89.17 +24.2% upside Strong Buy
Current$71.77 Low$78.00 Median$90.00 High$104.00 23 analysts
$78.00$104.00
Analyst rating Buy· 1.8/5 as of Oct 2, 2026
Reports & filings
AI-scored summaries of recent SEC filings and press releases, with sentiment and impact.
19 SEC filing reports analyzed · 5 bullish, 2 bearish, 0 mixed, 12 neutral · avg impact 4.1/10.Plus 1 press releases.
BULLISHCOURT-RULING4/10
The district court adopted a magistrate judge's recommendation to dismiss a pro se FCRA lawsuit agai
Aug 7, 2026
NEUTRALCLUSTER3/10
Two Synchrony Financial insiders (Darrell Owens and Courtney Gentleman) sold a combined $102K in ope
Aug 4, 2026
NEUTRAL1442/10
Director Arthur W. Coviello Jr. filed a Form 144 notice of intent to sell 4,000 shares of Synchrony
Aug 3, 2026
NEUTRAL424B53/10
Synchrony Financial filed a preliminary prospectus supplement for an offering of fixed-to-floating r
Jul 28, 2026
Upcoming & catalyst events
Scheduled dates plus disclosed catalysts — earnings, dividends, enforcement, FDA and clinical-trial events. Colored dot = impact.
Oct 1, 2026
short_volume
Short Volume: SYF — 76.2% short (0.8M / 1.1M)
Short: 807,715 | Exempt: 11,010 | TRF Vol: 1,060,185 | Short Ratio: 76.2% | Off-exchange volume (dark pool + OTC)
Sep 30, 2026
short_volume
Short Volume: SYF — 81.9% short (0.9M / 1.1M)
Short: 862,645 | Exempt: 0 | TRF Vol: 1,053,002 | Short Ratio: 81.9% | Off-exchange volume (dark pool + OTC)
Sep 29, 2026
short_volume
Short Volume: SYF — 75.4% short (0.7M / 0.9M)
Short: 666,666 | Exempt: 744 | TRF Vol: 883,653 | Short Ratio: 75.4% | Off-exchange volume (dark pool + OTC)
Sep 28, 2026
short_volume
Short Volume: SYF — 71.7% short (0.5M / 0.7M)
Short: 472,665 | Exempt: 1,180 | TRF Vol: 659,520 | Short Ratio: 71.7% | Off-exchange volume (dark pool + OTC)
Sep 25, 2026
short_volume
Short Volume: SYF — 80.3% short (0.7M / 0.9M)
Short: 742,006 | Exempt: 14 | TRF Vol: 924,399 | Short Ratio: 80.3% | Off-exchange volume (dark pool + OTC)
Earnings estimates
Forecast earnings per share and revenue by period — and whether estimates are rising.
| Period | EPS Est. | Range | Growth | 30d Rev | Up/Dn | Revenue | # |
|---|---|---|---|---|---|---|---|
| Current Q | $2.37 | $2.24–$2.55 | -17.0% | +1.1% | 1↑ 1↓ | $3.8B | 16 |
| Next Q | $2.14 | $1.86–$2.79 | 5.1% | -1.1% | 1↑ 18↓ | $3.9B | 19 |
| Current FY | $9.42 | $9.25–$10.17 | -0.1% | +0.6% | 1↑ 2↓ | $15.2B | 19 |
| Next FY | $10.44 | $9.99–$11.37 | 10.6% | -0.3% | 7↑ 13↓ | $16.0B | 22 |
Current-quarter EPS estimate — revision history
| When | EPS estimate | Change vs now |
|---|---|---|
| Current | $2.374 | — |
| 7d ago | $2.362 | +0.013 |
| 30d ago | $2.349 | +0.026 |
| 60d ago | $2.364 | +0.011 |
| 90d ago | $2.585 | -0.211 |
Institutional ownership
Which big funds own SYF (from quarterly 13F filings) and who is adding or trimming.
50 institutional holders with $20.0B total value (262,907,281 shares) as of 2026-Q2. Top holders: Erste, BlackRock,, VANGUARD. Net buying activity: 35 institutions added/increased vs 15 reduced.
Top holders — 2026-Q2
| Fund | Shares | Value | % Tracked | Last move |
|---|---|---|---|---|
| Erste Asset Management GmbH | 0 | $0.00 | 0.0% | — |
| BlackRock, Inc. | 30,893,517 | $2.3B | 11.7% | — |
| VANGUARD CAPITAL MANAGEMENT LLC | 22,013,925 | $1.7B | 8.4% | — |
| Capital World Investors | 18,918,854 | $1.4B | 7.2% | TRIM -44.0% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 18,090,018 | $1.4B | 6.9% | — |
| STATE STREET CORP | 17,733,198 | $1.3B | 6.7% | — |
| BANK OF AMERICA CORP /DE/ | 14,766,088 | $1.1B | 5.6% | — |
| GOLDMAN SACHS GROUP INC | 10,093,347 | $767.6M | 3.8% | — |
| GEODE CAPITAL MANAGEMENT, LLC | 9,853,708 | $759.6M | 3.8% | — |
| FIRST TRUST ADVISORS LP | 7,698,248 | $585.5M | 2.9% | ADD +44.2% |
Recent position changes
| Fund | Action | Prev | Current | Change | Value |
|---|---|---|---|---|---|
| Capital World Investors | TRIM | 33,796,907 | 18,918,854 | -44.0% | $1.4B |
| FIRST TRUST ADVISORS LP | ADD | 5,338,110 | 7,698,248 | +44.2% | $585.5M |
| HARRIS ASSOCIATES L P | ADD | 4,659,001 | 7,446,335 | +59.8% | $566.3M |
| BARCLAYS PLC | DOUBLED | 1,653,904 | 4,045,557 | +144.6% | $307.7M |
| NORGES BANK | NEW | — | 4,019,209 | — | $305.7M |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | DOUBLED | 384,841 | 1,529,530 | +297.4% | $116.3M |
| CAISSE DE DEPOT ET PLACEMENT DU QUEBEC | DOUBLED | 617,772 | 1,501,852 | +143.1% | $114.2M |
| Qube Research & Technologies Ltd | NEW | — | 1,444,883 | — | $109.9M |
| Squarepoint Ops LLC | TRIM | 2,106,225 | 1,288,769 | -38.8% | $98.0M |
| FMR LLC | TRIM | 1,592,902 | 1,170,603 | -26.5% | $89.0M |
Insider activity
Buying and selling by company executives and directors (SEC Form 4).
21 insiders, 50 transactions. Net -$3.7M — $0.00 bought, $3.7M sold.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Aug 17, 2026 | COLAO DANIEL O | Director | AWARD | 14 | $80.75 | $1.1K |
| Aug 17, 2026 | Tiliakos Amy | See remarks | AWARD | 49 | $80.75 | $4.0K |
| Aug 17, 2026 | Casellas Alberto | See remarks | AWARD | 182 | $80.75 | $14.7K |
| Aug 17, 2026 | Gentleman Courtney | See remarks | AWARD | 79 | $80.75 | $6.4K |
| Aug 17, 2026 | Howse Curtis | See remarks | AWARD | 182 | $80.75 | $14.7K |
| Aug 17, 2026 | Richie Laurel | Director | AWARD | 138 | $80.75 | $11.1K |
| Aug 17, 2026 | MOTHNER JONATHAN S | See remarks | AWARD | 218 | $80.75 | $17.6K |
| Aug 17, 2026 | Chytil Kamila K | Director | AWARD | 14 | $80.75 | $1.1K |
| Aug 17, 2026 | DOUBLES BRIAN D | See remarks | AWARD | 1,001 | $80.75 | $80.8K |
| Aug 17, 2026 | Casellas Alberto | See remarks | AWARD | 0.782 | — | — |
Congressional trades
SYF trades disclosed by members of Congress, with disclosure delay.
3 members · 2 buys / 1 sells
| Date | Member | Party | Chamber | Type | Amount | Asset | Disclosed |
|---|---|---|---|---|---|---|---|
| Jun 2, 2026 | Ro Khanna | D | HOUSE | BUY | $1,001 - $15,000 | Synchrony Financial | Jul 8, 2026(37d) |
| Apr 9, 2026 | Josh Gottheimer | D | HOUSE | SELL | $15,001 - $50,000 | Synchrony Financial | May 20, 2026(42d) |
| Mar 27, 2026 | Alan Armstrong | R | SENATE | BUY | $1,001 - $15,000 | Synchrony Financial | Jul 22, 2026(117d) |
Short interest & halts
FINRA semi-monthly short positions, Reg SHO threshold status, and recent trading halts for SYF.
Shares short
18,821,471
Settlement Sep 15, 2026
Change vs prior
+5.5%
Semi-monthly cycle
Days to cover
6.9
At avg daily volume
Of shares outstanding
≈5.1%
Estimate — not % of float
All SYF filing & press-release reports (20)
- PRESS-RELEASE reportAug 17, 2026
- COURT-RULING reportAug 7, 2026
- CLUSTER reportAug 4, 2026
- 144 reportAug 3, 2026
- 424B5 reportJul 28, 2026
- PRESS-RELEASE reportJul 21, 2026
- 8-K reportJul 21, 2026
- 8-K reportJul 21, 2026
- COURT-RULING reportJul 4, 2026
- 8-K reportJul 3, 2026
- 424B5 reportJun 3, 2026
- 424B5 reportJun 2, 2026
- CLUSTER reportMay 5, 2026
- 144 reportMay 1, 2026
- 8-K reportApr 21, 2026
- 8-K reportApr 21, 2026
- 8-K reportMar 10, 2026
- CLUSTER reportMar 3, 2026
- INST-CLUSTER reportFeb 28, 2026
- 8-K reportFeb 25, 2026