SYF's Quality Score fell 1 point on Tue, Nov 10, to 6. Its week-by-week trend stopped pointing up (2 chart checks stopped).
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Up 166% over three years while the S&P 500 rose 80%; flat in the past year.
| The company | A $3.3B profit |
| Latest filing | 10-Q, Oct 22 |
Tue Nov 17: TD Cowen Financials & Fintech…Investor conference · date confirmed.
1 more date ahead: the conference, for Pro members.
After its last 4 reports it closed -2.5% on average, higher 0 of 4 times.
Averagefor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means
SYF is #4 of 10 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 4 |
Net income over four quarters: SYF $3.33B, AXP $12.3B, SOFI $738M.
Expected to report Tue Jan 26, before the open (in 77 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“Net interest income increased $89 million, or 2%, to $4.8 billion, primarily driven by the combination of higher interest and fees and lower interest expense, partially offset by lower investment income.”
SYF's results filing gives no sales by line in a table we read.
No outlook figures read from this release.
“Interest and fees on loans increased $81 million , or 1% to $5.6 billion, primarily driven by growth in average loan receivables.”
From its results filing (SEC filing · Oct 20)
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 20, 2026 | -0.3% | -1.2% | +0.8% |
| Jul 21, 2026 | +1.5% | -1.6% | +2.6% |
| Apr 21, 2026 | -1.5% | -1.2% | -2.3% |
RSI 39.8, MACD below signal, below both averages. Not scored.
5 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: SYF is under 0.1% of VYM, under 0.1% of DGRO, and under 0.1% of SPYI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
SYF scores 6 today, which Breakaway calls Average. It is #4 of 10 in Consumer Finance & Fintech by Quality Score, with 2 of 14 chart checks firing. Up 166% over three years while the S&P 500 rose 80%; flat in the past year. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
SYF scores 6 today, which Breakaway calls Average (6 to 10). That is #4 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind SYF's 6.
Expected to report Tue Jan 26, before the open, a date Breakaway expects from the company's usual timing; the company has not confirmed it. SYF closed higher after 0 of its last 4 reports. Past behavior, not a forecast.
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Insider and Congress trades, the chart, and the financials, in one score.
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