The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Thursday, August 13, 2026

Subject of the day

SYF

Concerning the House

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

United States · www.synchrony.com

The Long Run

FY 2014–2025 · 12 years

LineLatestCAGRTrend
Net income$2.24B+0.5%
Cash from ops$8.59B+4.9%
Quotation

$80.08

+0.67 (+0.8%)

52w hi$87.38
52w lo$63.25
Vol2.50M
As ofAug 13
The Verdict

Hold

Our score +0.08

Short-0.10
Medium+0.14
Long+0.34

computed 2026-08-13

By the Numbers

Synchrony Financial

Financial Services · Credit Services

Market cap$26.06B
Enterprise value$27.79B
Trailing P/E8.21x
Forward P/E7.62x
EV / EBITDA
P / S (ttm)2.63x
Profit margin35.5%
Return on equity20.8%
Revenue growth+0.6%
Earnings growth+3.6%
Debt / equity
Risk Metrics
Beta vs SPX1.53
Corr SPX0.66
Annual vol37.7%
Annual ret+35.9%
Sharpe0.95
Max DD-38.0%

Window: 504 trading days (504 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.31
Sector+0.09
Technical+0.00
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$79.87$80.50$79.13$80.082.50M
Aug 12$77.95$79.80$77.95$79.412.19M
Aug 11$78.11$79.39$78.041.61M
Aug 10$78.05$78.36$77.28$78.192.81M
Aug 7$78.16$78.96$77.60$78.592.04M