FoxScore

Analysis for Synchrony Financial

SYF · As of: 02/17/2026
Basic information
Type: Stock
Region: US
Sector: Financials
TER:
History
Available history:11.6 years
Last tradingday:02/17/2026
Description & usage
Synchrony Financial is a US provider of consumer credit and private-label/partner card programs. Revenue comes from interest income, fees and merchant programs. Key factors include credit risk, interest rates and consumer spending.
Overall score 50Performance 66Stability 32Trend 360255075100PerformanceStabilityTrend
Scale: 0 = weak, 50 = average, 100 = top

Analysis summary

Synchrony Financial (SYF) currently has a total score of 50 points, placing it in the neutral range. The score is made up of Performance (66), Stability (32) and Trend (36). The profile is clearly uneven: Performance stands out while Stability lags.

Performance scores 66 points (strong). Key strength: 3Y return at 99.1 %. Main drag: 1Y return at 12.6 %.

Stability scores 32 points (weak). Least weak metric: CAGR/drawdown ratio at 0.17. Main drag: volatility (365d, annualized) at 38.9 %. That implies elevated swings. Higher Stability points are better and typically reflect calmer swings and smaller drawdowns—but prices can still fall.

Trend scores 36 points (weak). Trend signals are mostly negative right now. Key strength: 12M momentum at 21.3 %. Main drag: Price is about 9.6 % below SMA50.

Overall, the picture is mixed: Performance does the heavy lifting while Stability holds the score back. On a metric level, 3Y return stands out, while SMA50 distance is the main weak spot.

(Historical evaluation, not investment advice.)

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FAQ

What investor type does Synchrony Financial fit best in FoxScore?
Synchrony Financial fits a more opportunity-seeking investor type in FoxScore: performance is the strongest sub-score. That suggests above-average historical returns — but check stability to ensure the performance wasn’t “paid for” with high volatility or deep drawdowns.
How meaningful is the available history for Synchrony Financial?
Synchrony Financial currently has about 11.6 years of price history since it started trading. That’s a solid base to interpret returns, drawdowns and trend behavior since launch — earlier market crises happened before the asset existed and are therefore not part of its history.
What is FoxScore good for — and what is it not for?
FoxScore is an analysis and comparison tool: it helps you sort assets quickly, compare profiles and spot strengths/weaknesses. It’s not a substitute for your own research or fundamental analysis, and it’s not a buy/sell recommendation.