Synchrony Financial (SYF)
Financial Services · Financial - Credit Services · Data as of 2026-10-22
Bottom line
SYF is trading near its usual valuation, in the middle of its recent price range, and recent volume suggests money flowing in. The picture is mixed, so it may be worth watching rather than acting on. Past patterns are not a guarantee of future results.
Valuation — Near its usual book-value multiple (Yellow)
For financial companies we look at price versus book value. SYF trades at 1.4× book value, against its own typical 1.6× while earning a 20% return on equity. Its current multiple sits around the 66th percentile of its own last five years — toward the high end of its own range.
Price zones — In the middle of its recent range (Yellow)
At $75.09, the stock sits between its recent support and resistance levels. Over the past year SYF has traded between $63.08 and $88.77; its historical support zone sits near $73.84 and resistance near $75.57. It is above one of its moving averages and below the other — a mixed trend picture.
52-week range $63.08–$88.77 · 50-day average $75.57 · 200-day average $73.84
Money flow — Money is flowing in (Green)
Recent trading in SYF shows more volume on rising days than falling days, a pattern often described as accumulation. Volume on up days has been about 1.3× volume on down days over the last 30 sessions.
Dividends & company facts
SYF paid $1.24 a share in dividends over the past year — 1.6% of today's price — and raised it 4 times in the last five years. It returned more through buybacks: $2.9 billion in fiscal 2025, about 12.3% of its market value.
- Dividend yield (12 months)
- 1.65%
- Paid over 12 months
- $1.24 a share
- Payout ratio
- 15.1%
- Buybacks
- 12.32% (fiscal 2025)
- Shares, past year
- -15.0%
- Revenue, 12 months
- $18.9B
- Profit, 12 months
- $3.3B
- Employees
- 20,000
- CEO
- Brian D. Doubles
- Headquarters
- Stamford, CT
- Listed since
- 2014 · NYSE
About the company
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market…
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一句话结论
SYF 估值接近其惯常水平，处于近期价格区间的中部，近期成交量显示资金正在流入。整体情况好坏参半，也许更适合先观察，而不是急于行动。过去的形态并不能保证未来的结果。
估值 — 接近其惯常的市净率水平
对金融公司，我们看的是价格与账面价值的关系。SYF 的市净率为 1.4×，而它自身惯常的水平是 1.6×，同时取得 20% 的净资产收益率。它当前的估值倍数大约位于自身过去五年分布的第 66 百分位——处于自身区间的偏高位置。
价格区间 — 处于近期区间的中部
目前价格为 $75.09，位于其近期的支撑位与阻力位之间。过去一年 SYF 的价格在 $63.08 到 $88.77 之间波动；其历史支撑区在 $73.84 附近，阻力区在 $75.57 附近。它位于其中一条均线上方、另一条下方——趋势信号并不一致。
资金流向 — 资金正在流入
SYF 近期上涨日的成交量高于下跌日，这种形态常被称为吸筹。过去 30 个交易日，上涨日的成交量约为下跌日的 1.3×。
股息与公司概况
SYF 过去一年每股派息 1.24 美元，相当于当前股价的 1.6%，过去五年上调过 4 次。它通过回购返还了更多：2025 财年回购 29.4亿美元，约占市值的 12.3%。
UnderTheLight 用直白的语言解释股票——估值、价格区间与资金流向。它只描述数据，不构成任何投资建议。
UnderTheLight explains stocks in plain English — valuation, price zones and money flow as traffic lights, recomputed nightly. It describes data; it is not investment advice and never recommends a trade.