InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$73.68

2026-10-16

Market Cap

$24.0B

Volume

3.5M

52-Wk High

$88.77

52-Wk Low

$63.08

Trailing PE

7.5

P/S

1.26

Gross Margin

52.3%

Net Margin

18.6%

ROE

21%

ROIC

3%

Piotroski

8/9

Altman Z

0.8

1-Yr Return

+5.3%

5-Yr Return

+161.4%

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

SectorFinancial ServicesIndustryFinancial - Credit ServicesExchangeNYSEMarket Cap$24.0BEmployees20,000 (SEC-filed)CEOBrian D. DoublesIPO2014-07-31CountryUS

777 Long Ridge Road, Stamford, CT 06902 · Tel 203 585 2400 · synchrony.com

INSIDERSTREET SCORE56 / 100Street mean $87.70 (10 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$27M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · SYF +5.3% · S&P 500 +15.9% · spread -10.6pp

7 Years vs S&P 500 · SYF +161.4% · S&P 500 +189.9% · spread -28.5pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

INSIDERSTREET
SCORE56of 100

Score Breakdown

Profitability	66/100
Growth	43/100
Momentum	73/100
Quality	78/100
Earnings Quality	65/100
Balance Sheet	58/100
Value	87/100
Risk (safety)	100/100
Overall	55.8/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
GPN	23
AFRM	67
SOFI	11
PYPL	64
ALLY	44
FCFS	72
SYF	56

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 67 in 24 Q2, latest 56 — -11 since. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY56 / 100IS Score 55.8 / 100 · -11.3 from peak of 67

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURELEAN BULLISHTechnical Score 55 / 100 · Power +10 · 13 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 56 and price structure at 55 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 55.8	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 58 → 53 → 59 → 56	the direction matters more than the level
Technical vote share back above 50%	now 64%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,008 → now 1,008	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)2 buys2026-06-02

Insider Buys (180d)0none disclosed

ETF Funds (30d)1028 up / 1038 downnet -10 funds

Institutions Added (13F)40managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,008 · latest 1,008 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	1,008	347.3M	$26.0B	104.8%	ex-outlier 95.5%
2026 Q1	968	347.1M	$23.4B	104.8%	ex-outlier 94.6%
2025 Q4	994	361.7M	$29.8B	109.2%
2025 Q3	929	368.1M	$25.9B	111.1%
2025 Q2	879	382.2M	$25.3B	115.4%
2025 Q1	872	381.2M	$20.0B	115.1%
2024 Q4	902	378.9M	$24.4B	114.4%
2024 Q3	782	382.3M	$19.0B	115.4%
2024 Q2	729	388.9M	$17.8B	117.4%
2024 Q1	712	392.3M	$16.6B	118.4%
2023 Q4	676	392.5M	$14.7B	118.5%
2023 Q3	654	392.0M	$12.1B	118.3%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2026-06 reads 104.83%. Institutions cannot hold more of a company than exists. The reported 347.3M shares exceed the 331.3M outstanding, and a single filer accounts for the excess: BlackRock, Inc. reports 30,893,517 shares against 30,479,074 the prior quarter, a 1x jump, which alone would be 9.3% of the company. Excluding that filing, ownership is 95.5%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

Why 2026-03 reads 104.78%. Institutions cannot hold more of a company than exists. The reported 347.1M shares exceed the 331.3M outstanding, and a single filer accounts for the excess: Capital World Investors reports 33,796,907 shares against 38,326,315 the prior quarter, a 1x jump, which alone would be 10.2% of the company. Excluding that filing, ownership is 94.6%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Coviello Arthur W Jr	director	2026-09-30	A-Award	846	$0.06M	27,012
Alves Paget Leonard	director	2026-09-30	A-Award	846	$0.06M	53,380
Aguirre Fernando	director	2026-09-30	A-Award	846	$0.06M	31,119
Colao Daniel O	director	2026-09-30	A-Award	846	$0.06M	6,528
Naylor Jeffrey G	director	2026-09-30	A-Award	1,287	$0.09M	66,904
Zane Ellen M	director	2026-09-30	A-Award	846	$0.06M	33,087
Richie Laurel	director	2026-09-30	A-Award	846	$0.06M	52,670
Parker P.W.	director	2026-09-30	A-Award	846	$0.06M	35,333

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	19	384,844	$26.6M	Counted
M — Exercises (paired A/D)	5	90,062	$3.1M	None — mechanics
F — Tax withholding	14	157,802	$10.9M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$26.6M19 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-06-02	2026-07-08
Josh Gottheimer	House	SELL	$15,001 - $50,000	2026-04-09	2026-05-20
Josh Gottheimer	House	SELL	$15,001 - $50,000	2026-04-09	2026-05-20
Alan Armstrong	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-07-21
James Inhofe	Senate	SELL	$50,001 - $100,000	2017-03-02	2017-03-29
James Inhofe	Senate	SELL	$50,001 - $100,000	2017-03-02	2017-03-28

House 12-Mo4 trades1 purchases

Senate 12-Mo1 trades1 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)968

13F Shares347M104.8% of shares out

New / Closed121 / 127positions, QoQ

Increased / Reduced344 / 379positions, QoQ

Put/Call (13F)0.96option positions

Free Float99.5%324M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Artemis Investment Management Llp	512,567	$36M
Wedge Capital Management L L P/Nc	478,258	$34M
Gateway Investment Advisers Llc	460,591	$33M
Asr Vermogensbeheer N.V.	193,089	$14M
Davenport & Co Llc	188,573	$13M
Fjarde Ap-Fonden /Fourth Swedish N	123,182	$9M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$733M
VTI	0.0%	$733M
VTSAX	0.0%	$733M
VSMPX	0.0%	$733M
VFINX	0.0%	$606M
VOO	0.0%	$606M

13F Filers Holding SYF — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session43.8%2026-10-15

20-Day Avg68.3%50-day 70.0%

TrendFalling20d vs 50d

By Market CenterQ: 42% · N: 78% · B: 39%latest session

Weekly Notional ($B)

Where SYF Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	5.2M	56 sh
Ubsa Ubs Ats	4.1M	59 sh
Mstx Ms Trajectory Cross (Ats-1)	3.8M	74 sh
Ebxl Level Ats	2.9M	36 sh
Sgmt Sigma X2	2.9M	60 sh
Mlix Instinct X	1.8M	79 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Synchrony Financial revenue goes. All values FY2025 filings, live. Product segmentation not yet parsed for this symbol — revenue shown unsegmented.

SYF (live moat model)Peer median: GPN · AFRM · SOFI · PYPL · ALLY

Component scores from the live moat model. Peer median illustrative.

Moat score 47/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Brian D. Doubles	President, Chief Executive Officer & Director
Brian J. Wenzel	Executive Vice President & Chief Financial Officer
Jonathan S. Mothner	Executive Vice President & Chief Risk and Legal Officer
Carol D. Juel	Executive VP & CEO of Digital Platform

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+17.0%

Next Report2026-10-20

Income Quality2.76OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-12.5%	+17.6%	+31.4%	+19.7%	-7.9%
Gross profit	+61.8%	-12.3%	-7.7%	+22.6%	+3.9%
Operating income	+206.2%	-28.0%	-26.7%	+56.8%	+1.5%
Net income	+204.8%	-28.5%	-25.8%	+56.3%	+1.5%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	11.2	13.2	17.3	20.8	19.1
Cost of revenue	1.8	4.9	9.7	11.4	9.4
Gross profit	9.5	8.3	7.7	9.4	9.8
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	2.0	2.2	2.4	2.4	2.6
Operating income	5.5	4.0	2.9	4.6	4.6
EBITDA	5.9	4.4	3.4	5.0	5.1
D&A	0.4	0.4	0.5	0.5	0.5
Pretax income	5.5	4.0	2.9	4.6	4.6
Income tax	1.3	0.9	0.7	1.1	1.1
Net income	4.2	3.0	2.2	3.5	3.6
Diluted EPS ($)	7.34	6.15	5.19	8.55	9.29
Diluted shares (M)	569	483	424	401	358

Operating CF$10B

CapEx$0B

Free cash flow$10B

SBC$0B

Buybacks$3B

Net cash change$0B

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	10.3	14.3	14.7	15.0
ST investments	4.9	3.8	3.1	2.3
Receivables (net)	0.0	0.0	0.0	0.0
Total current assets	15.2	18.1	17.8	17.3
PP&E (net)	0.0	0.0	0.0	0.0
Goodwill + intangibles	1.8	1.8	2.1	2.6
Total assets	104.6	117.5	119.5	119.1
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	77.5	81.2	82.1	81.1
Long-term debt	14.2	16.0	15.5	15.2
Total liabilities	91.7	103.6	102.9	102.3
Shareholders' equity	12.9	13.9	16.6	16.8

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	3.0	2.2	3.5	3.6
D&A	0.4	0.5	0.5	0.5
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	(0.3)	(0.3)	(0.2)	0.4
Operating cash flow	6.7	8.6	9.8	9.9
Capital expenditures	0.0	0.0	0.0	0.0
Investing cash flow	(10.2)	(14.2)	(8.9)	(4.9)
Buybacks	(3.3)	(1.1)	(1.0)	(2.9)
Dividends paid	(0.5)	(0.4)	(0.5)	(0.5)
Debt issuance / (repay)	(0.3)	1.8	(0.5)	(0.3)
Financing cash flow	5.3	9.6	(0.6)	(4.7)
Free cash flow	6.7	8.6	9.8	9.9

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	32.0%	22.7%	16.7%	23.0%	21.3%	21%
ROA	4.4%	3.0%	2.0%	3.0%	3.0%	2.9%
ROIC	29.0%	25.4%	18.9%	24.6%	24.3%	2.9%
Gross margin	84.3%	62.9%	44.2%	45.2%	51.0%	52.3%
Operating margin	49.0%	30.0%	16.7%	21.9%	24.2%	24.3%
Net margin	37.6%	22.9%	12.9%	16.9%	18.6%	18.6%
EBITDA margin	52.5%	33.2%	19.4%	24.2%	26.9%	27.3%
FCF margin	63.2%	50.7%	49.6%	50.0%	51.5%	—
VALUATION
P/E	5.44	4.56	6.80	7.21	8.41	7.5
P/B	1.68	1.07	1.09	1.52	1.78	1.4
P/S	2.04	1.04	0.88	1.28	1.56	1.26
P/FCF	3.23	2.06	1.77	2.56	3.03	2.5
EV/EBITDA	4.04	2.92	3.91	4.55	5.40	4.7
EV/Revenue	2.12	0.97	0.76	1.16	1.45	1.3
Earnings yield	18.4%	21.9%	14.7%	13.9%	11.9%	14.41%
FCF yield	30.9%	48.6%	56.5%	39.1%	33.0%	40.44%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.20	0.20	0.22	0.22	0.21	3.72
Quick ratio	0.20	0.20	0.22	0.22	0.21	3.72
Debt / equity	1.06	1.10	1.15	0.93	0.91	0.97
Debt / assets	15.2%	13.6%	13.6%	12.9%	12.7%	13.5%
Net debt / EBITDA	0.15	-0.22	-0.62	-0.46	-0.42	0.05
Interest coverage	5.33	2.60	0.78	0.98	1.12	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.12	0.13	0.16	0.17	0.16	0.16
Receivables turnover	—	—	—	—	—	0.2
DSO (days)	0	0	0	0	0	1769
DPO (days)	0	0	0	0	0	—
Cash conversion cycle	0	0	0	0	0	1769
GROWTH (YoY)
Revenue growth	-12.5%	17.6%	31.4%	13.6%	-2.9%	—
Net income growth	204.8%	-28.5%	-25.8%	56.3%	1.5%	—
EPS growth	229.2%	-13.6%	-19.7%	64.2%	12.0%	—
FCF growth	-5.2%	-5.7%	28.4%	14.6%	0.0%	—
PER SHARE ($)
EPS (diluted, TTM)	7.77	6.72	5.40	8.86	9.93	10.62
Book value / share	25.15	28.68	33.53	42.00	46.85	51.00
Revenue / share	20.67	29.39	41.82	49.87	53.42	57.23
FCF / share	13.07	14.91	20.73	24.94	27.53	29.26
Cash / share	25.08	33.80	43.56	45.06	48.40	48.88
SHAREHOLDER RETURN & SCORES
Buyback yield	12.5%	24.1%	7.3%	4.0%	9.9%	14.21%
Altman Z-Score	0.01	-0.15	-0.10	0.05	0.11	0.8
Piotroski F-Score	7	6	6	8	7	8/9
Beneish M-Score	-2.74	-2.13	-2.26	-2.74	-2.84	-2.71

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	0.8	Distress (<1.81)	Distress
Income quality	2.76	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.71	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.76
Interest burden	1.00
Operating margin	24.3%
Asset turnover	0.16×
Financial leverage	7.16×
= ROE	21%

Growth Quality (live)	Value
Revenue stability	0.86
Earnings stability	0.00
Earnings persistence	0.97
Revenue CAGR 3y	7.8%
EPS CAGR 3y	22.2%
FCF CAGR 3y	10.0%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield14.21%

Dividend Yield1.68%

Total Shareholder Return14.24%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
GPN	$22.1B	-21.5	-4%	-0.3%	+14.8%	2/9	+1.3%
AFRM	$22.0B	13.0	45%	—	+29.8%	6/9	+7.2%
SOFI	$18.8B	28.5	7%	10.0%	+34.2%	5/9	-45.3%
PYPL	$48.5B	10.6	24%	12.7%	+5.7%	6/9	-14.0%
ALLY	$11.5B	8.8	10%	10.1%	+2.0%	7/9	—
FCFS	$9.3B	24.5	17%	8.7%	+21.6%	7/9	—
OMF	$6.4B	8.4	23%	9.4%	+7.0%	7/9	—
CACC	$5.6B	11.7	32%	23.1%	+3.8%	9/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

41 Analysts

Str Sell (1)Sell (0)Hold (15)Buy (25)Str Buy (0)

Mean Target (qtr)$87.7010 targets

Target vs. Price+19.0%last-quarter mean

Next Report2026-10-20street $2.42

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$15.12B	$15.48B / $14.95B	$9.38	$9.52 / $9.23	16
FY2027	$15.98B	$16.35B / $15.27B	$10.40	$10.78 / $10.20	18
FY2028	$16.78B	$17.30B / $16.13B	$11.80	$12.99 / $10.36	11

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$84.50	+14.7%	4
Last Quarter	$87.70	+19.0%	10
Last Year	$89.29	+21.2%	31
All Time	$72.59	-1.5%	71

Rolling mean of published targets vs. last close $73.68. Aggregated from StreetInsider, Benzinga, Barrons.

Third-Party Composite Rating

A

DCF

5/5

ROE

5/5

ROA

4/5

Debt/Eq

3/5

P/E

4/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

SYF +5.3% vs S&P 500 +15.9% — spread -10.6pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$72.47	+1.21	+1.67%	Above
SMA 50	$75.93	-2.25	-2.96%	Below
SMA 200	$74.00	-0.32	-0.43%	Below
EMA 9	$73.08	+0.60	+0.82%	Above
EMA 21	$73.35	+0.33	+0.45%	Above
EMA 50	$74.45	-0.77	-1.03%	Below
EMA 200	$73.77	-0.09	-0.12%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTLEAN BULLISHPower Score +1013 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%44

Momentum 25%68

Volume 20%62

Volatility 10%50

Patterns 15%50

This Week64% bullishof 11 price-based votes

4 Weeks Ago9%+55 pts since

12 Weeks Ago0%+64 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$72.47

Price vs SMA 50$75.93

Price vs SMA 200$74.00

EMA 9/21 Cross73.1/73.3

SMA 50/200Golden

ADX DirectionADX 19

Supertrend$76

Parabolic SAR$71

SMA Slope-0.070

RSI50.0

Stochastic K/D67/70

StochRSI K/D79/80

Williams %R-34

CCI128

TSI vs Signal-9.6

CMO0.0

ROC2.63%

OBV SignalAccum

Chaikin MF-0.020

MFI58

Force Index1M

Elder Ray Bull2.51

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 70

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$73.28 / $75.33 / $76.63	S1 / S2	$71.98 / $69.93
Bollinger (20,2)	$70.22 – $74.72	Squeeze	ON
52-wk range	$63.08 – $88.41	Off 52-wk high	-16.7%
ATR (14)	$1.94 (2.6%)	Historical vol	26.9%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+0.7%Jan50%

-0.3%Feb58%

-8.6%Mar25%

+4.3%Apr82%

+3.5%May64%

+0.3%Jun64%

+2.4%Jul75%

+2.9%Aug67%

-1.4%Sep50%

+3.0%Oct58%

+7.7%Nov83%

+1.7%Dec58%

Sample: 12 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	SYF	S&P 500
Weekly volatility (σ, 1y)	4.14%	1.83%
Best / worst week (1y)	+8.5% / -11.8%	—
Max drawdown (5y, monthly)	-63.6%	—
1-week VaR (95%)	-8.4%	—
Beta (5y)	1.31	1.00

SYF EQUITY WEATHER (LIVE)RAINY · -23

Trend-40

Momentum+18

Volume-45

Volatility-30

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 131 stories, weekly buckets, −1 to +1.

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Overall-23.2-2.5 vs industry

Trend-39.8-12.0 vs industry

Momentum+18.2+30.2 vs industry

Volume-45.1-20.1 vs industry

Reading	SYF	Financial - Credit Services n=681	Financial Services n=24,134	All US symbols n=70,435
Overall	-23.2	-20.7	-16.3	-20.5
Trend	-39.8	-27.8	-12.5	-21.3
Momentum	+18.2	-12.0	-4.4	-15.8
Volume	-45.1	-25.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Margaret Keane President and Chief Executive	$13.5M	77% equity+incentive
Brian Doubles Executive Vice President and C	$4.2M	72% equity+incentive
Tom Quindlen Executive Vice President and Ch	$3.5M	60% equity+incentive
Glenn Marino Executive Vice President, Chief	$3.0M	58% equity+incentive
Jonathan Mothner Executive Vice President, G	$2.7M	59% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	45
Social	57
Governance	53
Composite ESG	52

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-20 to 2026-07-21
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	50 rows · 2006 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-08-17 to 2026-09-30
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Synchrony Financial (SYF)

Institutions holding — 12 quarters

Synchrony Financial (SYF)

Monthly Net Insider Flow (000 shares)

Signal Summary

Synchrony Financial (SYF)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding SYF — quarterly

Institutional Put/Call — quarterly

Where SYF Trades in the Dark

Synchrony Financial (SYF)

3.8 · Employees (SEC filings)

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Balance Sheet — Full

Cash Flow Statement — Full

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Street Price Target — Trajectory

Third-Party Composite Rating

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Family Scores (site weights)

Synchrony Financial (SYF)

Synchrony Financial (SYF)

Synchrony Financial (SYF)