—
C+
C+ The full Closelooknet — membership. Open the C+ overview

Synchrony Financial (SYF) — chart, structure and Closelooknet read

Pick a ticker to load its detail page.

Company snapshot — Synchrony Financial

SYF in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Synchrony Financial runs consumer credit programmes for retailers and other partners, issuing private-label and co-branded cards alongside instalment loans. It also takes deposits through certificates, money-market and savings accounts, funding the loans it extends. Its credit programmes cover healthcare payment plans under CareCredit and financing tied to named retail, apparel and outdoor brands. It is based in Stamford, Connecticut.
Where it sits in the stack
Synchrony carries no seat in our Rubin index, which tracks the AI build-out; it sits instead in the financial-services sleeve of our wider universe, under consumer credit and card issuing.
Who it is priced against
No peer group is set for it in our system; the market often compares it with other card issuers such as American Express.
Why Closelooknet tracks it
It is a constituent of the S&P 500, but it holds no Closelooknet score and no seat in our thematic indices; the diary has not quoted it in its editions.
What the diary watches
Whether delinquency trends in its retail card partnerships shift and whether any partner brand relationship changes, since its lending is tied closely to those retail programmes.

Synchrony Financial (SYF) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

Signals for this name

Every Closelooknet reading that exists for SYF, from the same nightly bakes the boards use. Research diary readings, not advice.

The Street on this name 1 analyst action on the wire · latest: price target by Wolfe Research, 2026-08-25

The Street on this name

Analyst actions and the latest print for SYF from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Wolfe Research — target 90 from 85 Target raised to $90 from $85 (+12.5% to spot) 2026-08-25

1 action on the analyst wire since 2026-08-13: 1 target change. Analyst wire → · Earnings wire →

Who it is priced against Credit Services · United States · 8 names with week and year-to-date

Peer group

Credit Services · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against SYF on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Dividends and capital return trailing yield 1.70%, quarterly · last 0.34 USD on 2026-08-05

Dividends and capital return

What SYF pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 1.24 USD per share · a 1.70% yield on the 2026-09-25 close 4 distributions, paid quarterly 2026-09-25
  • Change on the year +12.7% against the prior twelve months prior twelve months 1.10 USD per share
  • Last distribution 0.34 USD per share as the price series records it, within days of the ex-date 2026-08-05
  • By calendar year 2023: 0.25 USD (partial) · 2024: 1.00 USD · 2025: 1.15 USD · 2026: 0.94 USD to date first distribution recorded in the three-year window: 2023-10-31

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

How it trades on rate days beta 0.73 to TLT · on the worst bond days it fell more than the market

How it trades on rate days

How SYF has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.73 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), Synchrony Financial moved 0.73% on average · correlation 0.21 · higher than 72% of US names
  • Beta, last 3 months 1.09 more rate-sensitive lately than over the year
  • On the 10 worst bond days −1.31% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +1.25% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 62/100 · S&P 500 fund at 67, bullish alignedEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-09-25
  • Factor regime Momentum leading — risk appetite buildingMomentum against low volatility (SPMO / SPLV): above its 50-day trend, 99th percentile of the window, +8.4% over 20 sessions. Factor regime → 2026-09-25
  • Sovereign pressure Index 0.61 · up 0.29 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-09-25

FAQ · from the current data · as of 2026-09-26

Quick answers

What is Synchrony Financial (SYF)?

Synchrony Financial trades as SYF on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-09-26.

Is SYF in a Closelooknet index?

Not currently — Synchrony Financial is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-09-26.

Where does SYF trade against its moving averages?

Mixed moving-average stack: Trades -5% vs the 50-day and -2.4% vs the 200-day average, 17.2% below the 52-week high and +16.1% off the 52-week low; a golden cross printed 35 sessions ago. Computed from daily closes. As of 2026-09-25 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

What does Synchrony Financial do?

Synchrony Financial runs consumer credit programmes for retailers and other partners, issuing private-label and co-branded cards alongside instalment loans. It also takes deposits through certificates, money-market and savings accounts, funding the loans it extends. Its credit programmes cover healthcare payment plans under CareCredit and financing tied to named retail, apparel and outdoor brands. No peer group is set for it in our system; the market often compares it with other card issuers such as American Express.

Where does Synchrony Financial sit in the AI build-out?

Synchrony carries no seat in our Rubin index, which tracks the AI build-out; it sits instead in the financial-services sleeve of our wider universe, under consumer credit and card issuing. It is a constituent of the S&P 500, but it holds no Closelooknet score and no seat in our thematic indices; the diary has not quoted it in its editions.

Does Synchrony Financial pay a dividend?

Synchrony Financial has paid 1.24 USD per share over the last twelve months, paid quarterly, a trailing yield of 1.70% on the 2026-09-25 close; the last distribution recorded in the price series was 0.34 USD on 2026-08-05. The "Dividends and capital return" block on this page carries the lines.

How does Synchrony Financial trade when bond yields rise?

Over the past year Synchrony Financial had a beta of 0.73 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 72% of US names. On the 10 sessions in which long bonds fell most it moved −1.31% on average, against −0.74% for the S&P 500. The "How it trades on rate days" block on this page carries the lines.

What has Wall Street done on Synchrony Financial recently?

The most recent analyst action on Synchrony Financial on the Closelooknet wire is a price target by Wolfe Research on 2026-08-25 (target 90 from 85). 1 action on the analyst wire since 2026-08-13: 1 target change. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for SYF, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

Related in the Closelooknet universe

then Credit Services, then Financial Services. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.