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Synchrony Financial (SYF)

NYSE: SYF · Finance Services · Stamford, CT · filing with the SEC since 2014
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Grade6.4
◀ Past 7.8● Present 6.6▶ Future 3.9
5 est.
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The grade of Synchrony Financial

Nine metrics read from its own filings, by tense
Headline grade
6.4/10
◀ Past7.840% of the headline
● Present6.635% of the headline
▶ Future3.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 4 read as filed from the record and 5 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.8/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
8.4/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

Synchrony Financial's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate
5.0/10

What has it actually done, year after year?

SI estimate 5.0/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 107 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 107 members with one.
What the record cannot read
Fewer than three filed years of revenue on file.
How it was reasoned
family median, 107 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Synchrony Financial's track record is put at 5.0 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 107 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed
8.8/10

How has it treated the people who own it?

Share count shrank 8.2% a year. 22% of cash flow returned. Insiders: 32 sales, 0 purchases.

weight 33% of this tense · 88th percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Synchrony Financial's diluted share count shrank about 8.2% a year, and dividends and buybacks returned about 22% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 32 sales (32 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-02 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 4% of its family
  • cash returned against operating cash flowtop 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.6/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
6.8/10

Is it financially healthy right now?

ROE 21%: 21¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.

weight 45% of this tense · 68th percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Synchrony Financial earned about 21 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count shrank 6.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 17% of its family
  • return on equitytop 9% of its family
  • the share count against the year beforetop 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

SI estimate
5.3/10

How strong is its position in its industry?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 114 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
No filed revenue on file, so the desk assumes the typical reading of its industry family, the median of 114 members with one.
What the record cannot read
No filed revenue on file.
How it was reasoned
family median, 114 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Synchrony Financial's industry position is put at 5.3 of 10 with a confidence of 20 of 100, because no filed revenue on file, so the desk assumes the typical reading of its industry family, the median of 114 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Leadership

as filed
8.2/10

What are the people in charge doing?

top 18% of 50 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 82nd percentile among 50 sector filers · read for its shareholders

From the record

Synchrony Financial's leadership, from its insiders' filings and its current reports: the chief executive on the record is Doubles, Brian D (President and CEO, as filed), filing under that title since 2021-04-02, 5.6 years (top 17% of its family); the 21 officers and directors filing in the last fifteen months have been on the record a median of 7.5 years (top 12%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 21 people in charge now (top 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge6 in three years among 21 peopletop 25% of its family
  • the median years the people in charge have filed7.5 yearstop 12% of its family
  • the chief executive's years on the record5.6 yearstop 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.9/1025% of the headline grade · 0 of 3 filed, 3 estimated

Room to expand

SI estimate
2.1/10

How much room does it have to grow?

SI estimate 2.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 21st percentile among 124 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash less debt against assets, which ranks in the bottom 21% of 124 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash less debt against assets, the one part on file, ranked among 124 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Synchrony Financial's room to expand is put at 2.1 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 21% of 124 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

SI estimate
4.9/10

What could actually drive growth from here?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 105 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 105 members with one.
What the record cannot read
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned
family median, 105 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Synchrony Financial's growth drivers is put at 4.9 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 105 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate
4.8/10

Did its newest year beat what its own record pointed to?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 78 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 78 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Synchrony Financial's expectations vs reality is put at 4.8 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SYF · research, not advice