Synchrony Financial SYF

NYSE · Finance Services · $24.4B

$74.07−1.28%Nov 5 close · Databento

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SYF Wire Story Reactions & EOD Technical StudyDaily closes (Databento EOD) pinned with every AlgoThesis Wire story (dot colour = next trading day close) and SEC filing

Nov 5, 2026CLOSE $74.071D −1.28%3M −5.27%SMA20 $74.42SMA50 $74.64RSI(14) 48.1

74.07

RSI (14, Wilder EOD) · 70 Overbought / 30 OversoldRSI 48.1

Data provided by Databento (end of day). Next close = the first close after a story against the close before it; official daily closes only, not a call, not advice.

The numbers

as filed with the SEC · 66-metric EOD snapshot via Databento

Market cap$24.4B

Enterprise value$24.4B

Modern Valuation (EOD)

Market Cap$24.4B

Enterprise Value$24.4B

EV / True FCF—

EV / FCF—

EV / Gross Profit—

EV / EBIT—

EV / Sales—

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Shareholder Yield—

Buyback Yield—

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Dividend / sh—

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FCF / sh—

EPS (diluted)—

Compounder & Returns

Rule of 40—

ROIC—

Cash ROIC (CROIC)—

GP / Assets—

ROE—

ROA—

Gross Margin—

Oper. Margin—

Net Margin—

FCF Margin—

True FCF Margin—

Quality & Dilution

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SBC % of FCF—

SBC % of Rev—

Reinvest. Rate—

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Balance Sheet & Scale

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Price & Technicals (EOD)

Perf Week−3.77%

Perf Month+2.98%

Perf Quarter−5.75%

Perf Half Y+0.09%

Perf YTD−5.74%

SMA 20 Dist−0.47%$74.42

SMA 50 Dist−0.76%$74.64

SMA 100 Dist−1.94%$75.54

Window High−8.56%$81.00

Window Low+8.51%$68.26

RSI (14) · Vol48.126%v

Fundamentals, income distribution and multi-year statements from SEC EDGAR filings (public domain). Valuation multiples, performance and technicals computed from Databento 1D EOD closes. For information only, not investment advice.

On the Wire

what SYF did at the next close after each story

No Wire story has named SYF yet.

What happened · big days

17 big days in a year, and what we hold on each

A big day is a close more than 3.51% from the one before, three times SYF’s median day (1.17%). On 8 of the 17, its peer group moved the same way at least half as far. We show what we hold. We never name a cause.

every other trading daya big day, numbered in the list below±3.51%Hover a bar for its day. Click a big day to open it.

Shaded: since our stories began, Jun 10. Tap a bar for its day.

#DaySYFWhat we hold that dayGroup (median of 4) · each

1 Nov 17, 2025−3.58%
Before our storiesgroup −3.6%, moved with SYF
1Nov 17, 2025−3.58%
Before our stories
−3.6% moved with SYFCOIN −7.1 · AXP −4.5 · SOFI −2.8 · MSTR −2.2
2 Dec 10, 2025+4.37%
Before our storiesgroup +0.1%, did not move with it
2Dec 10, 2025+4.37%
Before our stories
+0.1% did not move with itAXP +3.2 · SOFI +1.0 · COIN −0.8 · MSTR −2.3
3 Jan 12, 2026−8.36%
Before our storiesgroup −1.0%, did not move with it
3Jan 12, 2026−8.36%
Before our stories
−1.0% did not move with itAXP −4.3 · SOFI −2.9 · COIN +0.9 · MSTR +3.1
4 Jan 20, 2026−5.13%
Before our storiesgroup −4.5%, moved with SYF
4Jan 20, 2026−5.13%
Before our stories
−4.5% moved with SYFMSTR −7.8 · COIN −5.6 · AXP −3.5 · SOFI −2.5
5 Jan 27, 2026−5.82%
Resultsgroup −1.1%, did not move with it
5Jan 27, 2026−5.82%
ResultsFirst close after the Jan 27 results filing
−1.1% did not move with itSOFI −1.3 · COIN −1.2 · AXP −1.1 · MSTR +0.6
6 Feb 23, 2026−6.12%
Before our storiesgroup −6.0%, moved with SYF
6Feb 23, 2026−6.12%
Before our stories
−6.0% moved with SYFAXP −7.2 · COIN −6.5 · MSTR −5.6 · SOFI −4.2
7 Feb 27, 2026−6.58%
Before our storiesgroup −5.0%, moved with SYF
7Feb 27, 2026−6.58%
Before our stories
−5.0% moved with SYFAXP −7.9 · SOFI −7.0 · MSTR −2.9 · COIN −2.9
8 Apr 8, 2026+4.53%
Before our storiesgroup +2.7%, moved with SYF
8Apr 8, 2026+4.53%
Before our stories
+2.7% moved with SYFMSTR +3.7 · AXP +3.0 · SOFI +2.4 · COIN −0.1
9 Apr 17, 2026+4.22%
Before our storiesgroup +2.7%, moved with SYF
9Apr 17, 2026+4.22%
Before our stories
+2.7% moved with SYFMSTR +11.8 · COIN +3.3 · SOFI +2.1 · AXP +1.8
10 May 11, 2026−3.91%
Before our storiesgroup +3.9%, did not move with it
10May 11, 2026−3.91%
Before our stories
+3.9% did not move with itAXP −1.2 · SOFI +3.2 · MSTR +4.5 · COIN +7.7
11 May 20, 2026+3.83%
Before our storiesgroup +0.4%, did not move with it
11May 20, 2026+3.83%
Before our stories
+0.4% did not move with itSOFI +3.0 · MSTR +0.7 · AXP +0.2 · COIN −1.1
12 Jun 10, 2026−3.83%
Nothing on SYFgroup −1.5%, did not move with it
12Jun 10, 2026−3.83%
Nothing on SYFNo SYF story, brief or results filing in our record that day
−1.5% did not move with itSOFI −3.6 · AXP −1.6 · MSTR −1.4 · COIN −1.0
13 Jun 11, 2026+3.98%
Nothing on SYFgroup +4.2%, moved with SYF
13Jun 11, 2026+3.98%
Nothing on SYFNo SYF story, brief or results filing in our record that day
+4.2% moved with SYFSOFI +5.0 · COIN +4.2 · MSTR +4.2 · AXP +1.6
14 Jul 8, 2026−9.61%
Nothing on SYFgroup −3.1%, did not move with it
14Jul 8, 2026−9.61%
Nothing on SYFNo SYF story, brief or results filing in our record that day
−3.1% did not move with itAXP −3.8 · MSTR −3.6 · COIN −2.5 · SOFI −0.1
15 Jul 9, 2026+4.85%
Nothing on SYFgroup +1.5%, did not move with it
15Jul 9, 2026+4.85%
Nothing on SYFNo SYF story, brief or results filing in our record that day
+1.5% did not move with itSOFI +5.0 · AXP +3.1 · MSTR +0.0 · COIN −0.6
16 Aug 20, 2026−3.65%
Nothing on SYFgroup +2.5%, did not move with it
16Aug 20, 2026−3.65%
Nothing on SYFNo SYF story, brief or results filing in our record that day
+2.5% did not move with itSOFI −2.7 · AXP −2.6 · COIN +7.6 · MSTR +7.8
17 Aug 21, 2026+3.60%
Nothing on SYFgroup +5.8%, moved with SYF
17Aug 21, 2026+3.60%
Nothing on SYFNo SYF story, brief or results filing in our record that day
+5.8% moved with SYFCOIN +8.2 · MSTR +6.1 · SOFI +5.5 · AXP +1.5

A story on the same day is not a cause, and a group move is not proof either. Group: the median of AXP, COIN, MSTR and SOFI that day, the largest companies in SYF’s SEC industry; “moved with SYF” means the same direction and at least half the size.

What’s next · results

Before the next report: what the first day after the last four did

Six trading days after each results filing (SEC 8-K, Item 2.02). Day 1 is the first close after each filing: the next day’s for a filing after the close, the same day’s otherwise. 3 of 4 times, day 6 ended on the same side as day 1.

Reported Jan 27, 2026

day 1−5.82%day 6−4.66%

Reported Apr 21, 2026

day 1−1.21%day 6−2.97%

Reported Aug 14, 2026

day 1−0.31%day 6−1.21%

Reported Oct 20, 2026

day 1−1.19%day 6+0.98%

Next report: expected mid-to-late JanuaryEstimated from the dates of its last four results filings. Not announced. Since the Oct 20 report: −0.23%. Four reports is a small sample.

Every report since 2023 →

Each line is SYF’s close against its close before the filing, on licensed end-of-day closes. What happened after each report, not a forecast; a move on the day is not a cause.

Same industry

SYF against four same-industry peers, a year at 100

SYF is up 1.2% in a year. All four did less: American Express (−9.8%), SoFi Technologies (−43.1%), Strategy (−46.5%) and Coinbase Global (−55.7%). Weekly closes, Nov 7, 2025 = 100, on a log scale, so the same percentage move is the same height on every line.

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SYF +1.2%. American Express −9.8%, SoFi Technologies −43.1%, Strategy −46.5%, Coinbase Global −55.7%. Weekly closes, Nov 7, 2025 = 100, log scale.

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End-of-day closes (Databento EOD), the last close of each week. The four peers are the largest US-listed companies by market value in SYF’s SEC industry (Finance Services) with a year of closes. It shows what the closes did; a move here is not a cause, a forecast or a call.

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AXP	American Express	$224.6B	—
COIN	Coinbase Global	$43.5B	—
MSTR	Strategy	$39.6B	—
SOFI	SoFi Technologies	$22.4B	—
BMNR	Bitmine Immersion Technologies	$13.1B	—
CRCL	Circle Internet	$12.1B	—
IREN	IREN	$7.8B	—
CHYM	Chime Financial	$7.1B	—