Synchrony Financial (SYF)

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Synchrony Financial (SYF) is down 9.3% since the beginning of the year. At $75 per share, SYF is trading 15.5% below its 52-week high of $89. Investors who bought $1,000 worth of SYF shares 5 years ago would now be looking at an investment worth $1,712.

Synchrony Financial (SYF) has returned -9.32% so far this year and 20.62% over the past 12 months. Over the last decade, SYF has posted an annualized return of 14.42%, slightly higher than the S&P 500 Index benchmark’s 13.71%.

Based on dividend-adjusted daily data since Jul 31, 2014, SYF's average daily return is +0.08%, while the average monthly return is +1.51%. At this rate, an investment would double in approximately 3.9 years.

Historically, 60% of months were positive and 40% were negative. The best month was Jan 2019 with a return of +28.1%, while the worst month was Mar 2020 at -44.7%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 4 months.

On a daily basis, SYF closed higher 52% of trading days. The best single day was Nov 6, 2024 with a return of +18.8%, while the worst single day was Mar 16, 2020 at -26.0%.

Synchrony Financial has an annualized alpha of 1.66%, beta of 1.37, and R2 of 0.42 versus S&P 500 Index. Calculated based on daily prices since July 31, 2014.

• This stock captured 136.82% of S&P 500 Index gains and 132.03% of its losses - amplifying both gains and losses, but participating more in upside than downside.
• R2 of 0.42 means the benchmark explains less than half of this stock's behavior - treat beta with caution or consider switching to a more representative benchmark.

SYF ranks 60 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

Synchrony Financial provided a 1.60% dividend yield over the last twelve months, with an annual payout of $1.20 per share. The company has been increasing its dividends for 9 consecutive years.

The table displays the monthly dividend distributions for Synchrony Financial. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Synchrony Financial. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Synchrony Financial was 66.37%, occurring on Mar 23, 2020. Recovery took 205 trading sessions.

The current Synchrony Financial drawdown is 14.49%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Synchrony Financial over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Synchrony Financial is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.