SYF
Synchrony Financial Financial Services - Credit Services Investor Relations →
Synchrony Financial (SYF) closed at $75.79 as of 2026-07-31, trading 49.9% above its 200-week moving average of $50.57. The stock moved further from the line this week, up from 44.9% last week. The 14-week RSI sits at 50, indicating neutral momentum.
Trading volume is running at 1.2x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.95 ratio) is neutral — neither side is clearly dominating.
Over the past 578 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 $24.7 billion, SYF is a large-cap stock. Return on equity stands at 20.8%, indicating strong profitability. The stock trades at 1.7x book value.
The company has been aggressively buying back shares, reducing its share count by 20.7% over the past three years.
Over the past 11.1 years, a hypothetical investment of $100 in SYF would have grown to $279, compared to $426 for the S&P 500. SYF has returned 9.7% annualized vs 14.0% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 13.7% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 +42.2% 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.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices SYF would reach each dislocation threshold.
Dislocation Price Levels
Prices where SYF's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $52.82 | Unusually cheap — potential buy zone |
| Value | +1σ | $58.65 | Cheap vs. own history |
| Fair Value | +0σ | $65.92 | Historical mean behavior |
| Expensive | -1σ | $75.25 | Expensive vs. own history |
| Deep Expensive | -2σ | $87.67 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from SYF's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
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% | +219.5% |
| Jan 2016 | Apr 2016 | 15 | 16.2% | +29.9% | +232.0% |
| May 2016 | May 2016 | 2 | 2.8% | -6.8% | +229.7% |
| Jun 2016 | Nov 2016 | 21 | 17.4% | +15.8% | +271.6% |
| Apr 2017 | Jul 2017 | 12 | 11.2% | +21.2% | +240.0% |
| Aug 2017 | Aug 2017 | 1 | 1.7% | +2.8% | +220.7% |
| Sep 2017 | Sep 2017 | 3 | 4.0% | +13.4% | +228.0% |
| Jul 2018 | Aug 2018 | 4 | 3.9% | +25.7% | +208.9% |
| Oct 2018 | Feb 2019 | 18 | 26.1% | +13.7% | +207.5% |
| Feb 2020 | Nov 2020 | 37 | 56.7% | +37.7% | +203.2% |
| May 2022 | May 2022 | 1 | 2.0% | -4.9% | +155.8% |
| Jun 2022 | Jul 2022 | 7 | 14.0% | +9.9% | +163.5% |
| Aug 2022 | Oct 2022 | 8 | 15.6% | +5.0% | +157.9% |
| Dec 2022 | Jan 2023 | 5 | 3.1% | +15.2% | +146.7% |
| Mar 2023 | Jun 2023 | 16 | 19.1% | +35.2% | +153.4% |
| Aug 2023 | Nov 2023 | 15 | 15.7% | +44.3% | +141.8% |
| Average | 10 | — | +17.6% | — |
Frequently Asked Questions
Is SYF below its 200-week moving average?
No. Synchrony Financial (SYF) is currently 49.9% above its 200-week moving average of $50.57. It would need to fall to $50.57 to cross below the line.
What is SYF's 200-week moving average price?
Synchrony Financial's 200-week moving average is $50.57 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when SYF drops below its 200-week moving average?
SYF has crossed below its 200-week moving average 16 times in our data. On average, buying at that moment produced a one-year return of +17.6%. These dips have historically been decent entry points. These episodes lasted 10 weeks on average.
Is SYF a good value right now?
Here's what our data says about SYF as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 50. Return on equity is 20.8%. Price-to-book is 1.7x. This is not a buy or sell recommendation — always do your own research.
How does SYF compare to the S&P 500?
Over the past 11.1 years, $100 invested in SYF would have grown to $279, compared to $426 for the S&P 500. That's 9.7% annualized vs 14.0% for the index. SYF has underperformed the broader market over this period.
Does SYF pay a dividend?
Yes. Synchrony Financial currently pays a dividend yield of 176.00%.
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 week of 2026-07-31