SYF
Synchrony Financial
·
$73.62
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Terminal终端 ↗
Synchrony Financial · Financials
SYF
$73.62
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States.SynchronyFinancial是一家美国消费者金融服务公司，总部位于美国犹他州德雷珀。
Financial金融股
Large cap大盘
$26B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the 3-day/weekly已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——3 日/周线动量已向下交叉）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Key Statistics关键统计
Price价格
$73.62
16.1% below 52-week high低于52周高点 16.1%
Market Cap市值
$26B
Normal volume正常成交量
P/E Ratio市盈率
7.2x
15.0x sector median
Beta贝塔
1.27
Moves about 1.3x the market波动幅度约为市场的 1.3 倍
RSI (14)RSI（14）
49
Neutral zone中性区域
Next Earnings下次财报
2026-07-28 (9d)
Volatility Rank波动率分位
94th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
5.2% of float
Performance价格表现
| Period周期 | SYF | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +1.6% | -1.5% | Beat the index by 3.1 points跑赢指数 3.1 个百分点 |
| 1 Month近1月 | -0.7% | +0.6% | Lagged the index by 1.3 points落后指数 1.3 个百分点 |
| 3 Months近3月 | -5.6% | +4.7% | Lagged the index by 10.3 points落后指数 10.3 个百分点 |
| 6 Months近6月 | -7.4% | +7.8% | Lagged the index by 15.2 points落后指数 15.2 个百分点 |
| Year to date年初至今 | -12.3% | +9.1% | Lagged the index by 21.4 points落后指数 21.4 个百分点 |
| 1 Year近1年 | +6.6% | +19.4% | Lagged the index by 12.8 points落后指数 12.8 个百分点 |
Technicals技术面
RSI (14)RSI（14）
49
Neutral zone中性区域
vs 50-day相对50日均线
+0.7% vs 50-day avg
vs 200-day相对200日均线
-0.2% vs 200-day avg
Volatility rank波动率分位
94th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$73.37
Don't chase above不追高于
$73.62
Stop止损
$68.26
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
9
days until next report天后公布财报
2026-07-28
Estimates being cut预期下调
Post-earnings drift: -14.4% (20d)财报后漂移：-14.4%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | SYF | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 7.19x | 14.99 | 97% |
| P/B市净率 | 1.52x | 1.52 | 50% |
| Earnings yield盈利收益率 | 13.90% | 6.58 | 97% |
| Shareholder yield股东收益率 | 13.18% | 3.91 | 93% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Earnings Per Share每股收益
5yr CAGR5年复合增速: 32.5%
Margins利润率
21.2%Return on Equity股本回报率
3.0%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $2.9B |
| Share count change (1y)股数变化（1年） | -10.6% |
Piotroski皮奥特罗斯基 6/6
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 74% of its sector on blended multiples综合估值倍数低于行业内 74% 的公司
Beta市场敏感度
1.27×
0.21×3×
Moves about 1.3× the market波动幅度约为市场的 1.3 倍
Financial Health财务健康
6/6
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Payments & Fintech theme — #9 of 46 themes「支付与金融科技」主题 — 46 个主题中第 9 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Short interest changed -14.5%空头仓位变动 -14.5%
Technical技术面
SYF lost its 200-day averageSYF 跌破200日均线
Options Positioning期权持仓
Market makers are net short gamma — price moves may amplify做市商净持有负伽玛，价格波动可能被放大
Expected daily move预期日波动
±2.26%
Expected weekly move预期周波动
±5.04%
Call wall看涨密集区
$78
Put wall看跌密集区
$68
Gamma flip伽玛翻转
$75
25d risk reversal25d风险逆转
-5.5%
Flow资金流向
$0M premium traded; 0% 0DTE; 1 fresh positions; P/C 0.21; ~leans bullish (direction approx)成交权利金 $0M；0DTE占0%；1个新建仓；看跌看涨比 0.21；≈偏看涨（方向近似）
Skew: 偏斜：fear
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$41.8M net (0 buyers, 10 sellers)-$41.8M 净值（0 买家，10 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Basswood Capital Management | B | Adding加仓 | 1.2% | 2026-03-31 |
| Soros Fund Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 17, 2026
SYF lost its 200-day averageSYF 跌破200日均线
Price closed below the 200-day moving average — the classic bear dividing line. $73.62.收盘跌破200日均线 — 经典的空头分界线。$73.62。
Jul 15, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 15, 2026
SYF reclaimed its 200-day averageSYF 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $74.04.收盘重回200日均线 — 经典的多头分界线。$74.04。
Jul 10, 2026
SYF StochRSI turned up from oversoldSYF StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $72.44.StochRSI重回20上方 — 下行动量趋缓的最早预警。$72.44。
Jul 9, 2026
DOWNTREND → BOTTOMING下跌趋势 → 筑底中
BUY SETUP买入预备
Jul 8, 2026
BOTTOMING → DOWNTREND筑底中 → 下跌趋势
AVOID回避
Jul 8, 2026
SYF lost its 200-day averageSYF 跌破200日均线
Price closed below the 200-day moving average — the classic bear dividing line. $68.26.收盘跌破200日均线 — 经典的空头分界线。$68.26。
Jul 8, 2026
SYF broke down vs the marketSYF 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $68.26.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$68.26。
Jul 7, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
SYF daily MACD crossed downSYF 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $75.52.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$75.52。
Jul 6, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Showing last 15 of显示最近15条，共 109 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: 1.06
Value价值
+1.8
Quality质量
+0.1
Investment资本投入
+0.5
Shareholder payout股东回报
+2.3
Low volatility低波动
+0.5
Low market beta低市场敏感度
-0.6
Earnings quality盈利质量
+0.1
Short interest空头兴趣
-0.2
Company Profile公司档案
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States.SynchronyFinancial是一家美国消费者金融服务公司，总部位于美国犹他州德雷珀。
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Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。