SYF
Synchrony Financial Financial Services - Credit Services Investor Relations →
Synchrony Financial (SYF) closed at $75.16 as of 2026-02-02, trading 65.1% above its 200-week moving average of $45.52. The stock moved further from the line this week, up from 59.6% last week. The 14-week RSI sits at 52, indicating neutral momentum.
Over the past 553 weeks of data, SYF has crossed below its 200-week moving average 16 times. On average, these episodes lasted 10 weeks. Historically, investors who bought SYF at the start of these episodes saw an average one-year return of +17.6%.
With a market cap of $27.1 billion, SYF is a large-cap stock. Return on equity stands at 21.3%, indicating strong profitability. The stock trades at 1.7x book value.
The company has been aggressively buying back shares, reducing its share count by 26.3% over the past three years.
Over the past 10.7 years, a hypothetical investment of $100 in SYF would have grown to $275, compared to $391 for the S&P 500. SYF has returned 10.0% annualized vs 13.6% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 11.5% compound annual rate, with 4 consecutive years of positive cash generation.
Growth of $100: SYF vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After SYF Crosses Below the Line?
Across 16 historical episodes, buying SYF when it crossed below its 200-week moving average produced an average return of +21.2% after 12 months (median +20.0%), compared to +18.2% for the S&P 500 over the same periods. 88% of those episodes were profitable after one year. After 24 months, the average return was +42.1% vs +37.6% for the index.
Each line shows $100 invested at the moment SYF crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
SYF has crossed below its 200-week MA 16 times with an average 1-year return of +17.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Dec 2015 | Dec 2015 | 2 | 2.4% | +23.0% | +215.6% |
| Jan 2016 | Apr 2016 | 15 | 16.2% | +29.9% | +227.9% |
| May 2016 | May 2016 | 2 | 2.8% | -6.8% | +225.7% |
| Jun 2016 | Nov 2016 | 21 | 17.4% | +15.8% | +267.0% |
| Apr 2017 | Jul 2017 | 12 | 11.2% | +21.2% | +235.8% |
| Aug 2017 | Aug 2017 | 1 | 1.7% | +2.8% | +216.7% |
| Sep 2017 | Sep 2017 | 3 | 3.9% | +13.4% | +223.9% |
| Jul 2018 | Aug 2018 | 4 | 3.9% | +25.7% | +205.1% |
| Oct 2018 | Feb 2019 | 18 | 26.1% | +13.7% | +203.7% |
| Feb 2020 | Nov 2020 | 37 | 56.7% | +37.7% | +199.4% |
| May 2022 | May 2022 | 1 | 2.0% | -4.9% | +152.7% |
| Jun 2022 | Jul 2022 | 7 | 14.0% | +9.9% | +160.3% |
| Aug 2022 | Oct 2022 | 8 | 15.6% | +5.0% | +154.7% |
| Dec 2022 | Jan 2023 | 5 | 3.1% | +15.2% | +143.7% |
| Mar 2023 | Jun 2023 | 16 | 19.1% | +35.2% | +150.3% |
| Aug 2023 | Nov 2023 | 15 | 15.6% | +44.3% | +138.9% |
| Average | 10 | — | +17.6% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02