SYFSynchrony FinancialFinancial Services · Financial - Credit Servicesas of 2026-09-16
Horizon

Issued 2026-09-16 at $74.88 · now $74.88 (2026-09-16, +0.0% since)

Based on its own history, a month from the 2026-09-16 close, SYF has typically landed between $64.22 and $88.03 — a range of −14.2% to +17.6% from the issuance price $74.88.

Range of outcomes in historically similar periods — not a price prediction. Ranges are scored publicly on /methodology.
  • Actual close
  • Typical path (median)
  • Middle 50% of outcomes
  • 90% range

3,029 overlapping 1 month windows · 2014-07-31 – 2026-08-17 · basis climatology · forecast (batch). Probability up 53.9% (90% CI 51.7–56.1%, ≈1,408 obs).

The cone is anchored at the 2026-09-16 issuance close ($74.88) — the price the forecast resolves against on 2026-10-15, not the latest close. The drawn path shape is illustrative (bands widen with √t); every labeled number is real — the anchor, the scored batch p90/IQR endpoints, and the typical move.

Where SYF has typically landed a month from the 2026-09-16 close of $74.88 — the range is history, not a prediction.

$64.22worst · -14.2%$88.03best · +17.6%
  • now $74.88 (+0.0%)
  • typicalThe typical outcome — half of similar past periods did better and half did worse (not an average, so a few wild periods don't skew it). $75.66 (+1.0%)
  • middle 50%The central range of outcomes — half of similar past periods landed inside it, a quarter finished above, a quarter below. $70.22–$81.09
  • 90% rangeA nine-in-ten range — in about nine of every ten similar past periods the outcome stayed within these bounds. $64.22–$88.03
Actual 1-month windows behind the coneiEvery overlapping 1-month window in this security's own price history was ranked by realized return; shown are the 3 worst and 3 best of 3,029 windows spanning 2014-07-31 to 2026-09-16. Not cherry-picked — these are the extremes of the full sample. Max drop / max rise are the deepest and highest points reached within each window. See /methodology.
StartReturnMax dropMax rise
3 worst
2020-02-21−61.6%−61.6%+0.0%
2020-02-20−60.1%−60.1%+0.0%
2020-02-18−58.1%−58.1%+1.1%
3 best
2020-05-15+52.2%+0.0%+62.5%
2020-05-13+49.8%+0.0%+69.3%
2020-05-07+49.4%−11.8%+49.4%

3,029 overlapping windows · 2014-07-31 – 2026-09-16 · not cherry-picked

Fundamentals iCompany financials — revenue, earnings, margins — from the newest filings shown, each carried with its date.iAs-reported figures and standard ratios from FMP, as of 2026-07-25. Revenue, net income and free cash flow can toggle annual or quarterly; margin, ROE and debt-to-equity are shown by fiscal year. We report the figures and the trend — no target price and no over/under-valued call. More on /methodology.

$23.7B
market cap
$9.76
EPS (TTM)
7.5
P/E (TTM)
2026-10-21
next earnings
Revenue$19.1B
'20'25
Net income$3.6B
'20'25
Free cash flow$9.9B
'20'25
Net margin · by yr18.6%
'20'25
ROE · by yr21.2%
'20'25
Debt / equity · by yr0.91
'20'25

Fair value — three views iIndependent reference estimates of worth (a cash-flow model, peer multiples, analyst targets), shown as separate views — not a single verdict.

iThree independent estimates of per-share value, each by a different method and each with its own assumptions: a discounted-cash-flow intrinsic value, a peer comparable (the median trailing P/E of 69 sector peers times this company's trailing EPS), and the analyst price-target consensus. They routinely disagree — that gap is the point. We show the three marks and the current price; we do not blend them into a single number or call the stock over- or under-valued. Marks as of the latest capture. More on /methodology.
now $74.88$68.08$166.69
  • DCF (intrinsic)$84.92
  • Peer P/E × EPS · sector median 16.4× · n=69$159.89
  • Analyst target · range $80.00–$104.00$89.00
  • Current price · last close 2026-09-16$74.88

Seasonality · by month iHow this security has tended to do in each calendar month historically — a frequency, never a prediction.

iFor each calendar month, the share of years this security closed higher than the month before, and the average month-over-month return, over ~13 years of its own price history. Cells are shaded by average return. This is historical frequency, not a prediction — no month is a signal.
Jan
50%
+1.0%
n=12
Feb
50%
−0.3%
n=12
Mar
25%
−8.4%
n=12
Apr
75%
+4.1%
n=12
May
75%
+2.5%
n=12
Jun
75%
+1.6%
n=12
Jul
75%
+3.4%
n=12
Aug
62%
+2.4%
n=13
Sep
31%
−2.3%
n=13
Oct
58%
+3.2%
n=12
Nov
83%
+8.9%
n=12
Dec
58%
+2.0%
n=12

Up-frequency and average month-over-month return · historical frequency, not a prediction

Reported insider & political trades

Every Form 4 the people closest to this company have filed with the SEC — plotted against the share price, aggregated by month, and shown with the gap between when each trade happened and when it was disclosed. A public record, not advice.

Share price & reported tradesMonthly open-market valueReporting lag — trade date to filing date2026-092026-082026-072026-062026-052026-042026-032026-022026-012025-122025-112025-102025-092025-08$88$642026-08-13: 1 insider sale, $436K — Casellas Alberto2026-08-03: 3 insider sales, $411K — COVIELLO ARTHUR W JR, Gentleman Courtney, Owens Darrell2026-05-15: 2 insider sales, $3.7M — MOTHNER JONATHAN S …2026-05-01: 3 insider sales, $1.4M — Howse Curtis, Casellas Alberto, COVIELLO ARTHUR W JR2026-03-03: 1 insider sale, $3.2M — Wenzel Brian J. Sr.2026-03-02: 10 insider sales, $20.4M — DOUBLES BRIAN D, Wenzel Brian J. Sr., Juel Carol, Casellas Alberto …2026-02-17: 5 insider sales, $10.1M — Juel Carol, Casellas Alberto, Schaller Bart, Gentleman Courtney …2026-02-02: 2 insider sales, $4.1M — Howse Curtis, COVIELLO ARTHUR W JR2025-11-17: 2 insider sales, $2.3M — MOTHNER JONATHAN S …2025-11-03: 3 insider sales, $1.7M — Howse Curtis, COVIELLO ARTHUR W JR, Owens Darrell2025-08: 5 open-market sales, $2.1M2025-11: 5 open-market sales, $4.0M2026-02: 7 open-market sales, $14.2M2026-03: 11 open-market sales, $23.5M2026-05: 5 open-market sales, $5.0M2026-08: 4 open-market sales, $847K↑ buys↓ salesofficer Casellas Alberto — Sale on 2026-08-13, filed 4 days after the tradedirector COVIELLO ARTHUR W JR — Sale on 2026-08-03, filed 1 day after the tradeofficer Gentleman Courtney — Sale on 2026-08-03, filed 1 day after the tradeofficer Owens Darrell — Sale on 2026-08-03, filed 1 day after the tradeofficer MOTHNER JONATHAN S — Sale on 2026-05-15, filed 4 days after the tradeofficer MOTHNER JONATHAN S — Sale on 2026-05-15, filed 4 days after the tradeofficer Howse Curtis — Sale on 2026-05-01, filed 4 days after the tradeofficer Casellas Alberto — Sale on 2026-05-01, filed 4 days after the tradedirector COVIELLO ARTHUR W JR — Sale on 2026-05-01, filed 4 days after the tradeofficer Wenzel Brian J. Sr. — Sale on 2026-03-03, filed same daydirector DOUBLES BRIAN D — Sale on 2026-03-02, filed 1 day after the tradedirector DOUBLES BRIAN D — Sale on 2026-03-02, filed 1 day after the tradedirector DOUBLES BRIAN D — Sale on 2026-03-02, filed 1 day after the tradeofficer Wenzel Brian J. Sr. — Sale on 2026-03-02, filed 1 day after the tradedirector Juel Carol — Sale on 2026-03-02, filed 1 day after the tradeofficer Casellas Alberto — Sale on 2026-03-02, filed 1 day after the tradeofficer Schaller Bart — Sale on 2026-03-02, filed 1 day after the tradeofficer Howse Curtis — Sale on 2026-03-02, filed 1 day after the tradeofficer Gentleman Courtney — Sale on 2026-03-02, filed 1 day after the tradeofficer Owens Darrell — Sale on 2026-03-02, filed 1 day after the tradedirector Juel Carol — Sale on 2026-02-17, filed 2 days after the tradeofficer Casellas Alberto — Sale on 2026-02-17, filed 2 days after the tradeofficer Schaller Bart — Sale on 2026-02-17, filed 2 days after the tradeofficer Gentleman Courtney — Sale on 2026-02-17, filed 2 days after the tradeofficer Owens Darrell — Sale on 2026-02-17, filed 2 days after the tradeofficer Howse Curtis — Sale on 2026-02-02, filed 2 days after the tradedirector COVIELLO ARTHUR W JR — Sale on 2026-02-02, filed 2 days after the tradeofficer MOTHNER JONATHAN S — Sale on 2025-11-17, filed 2 days after the tradeofficer MOTHNER JONATHAN S — Sale on 2025-11-17, filed 2 days after the tradeofficer Howse Curtis — Sale on 2025-11-03, filed 2 days after the tradedirector COVIELLO ARTHUR W JR — Sale on 2025-11-03, filed 2 days after the tradeofficer Owens Darrell — Sale on 2025-11-03, filed 2 days after the trade
DatePersonRoleActionShares @ priceValueOwnership Δvs S&P 1mvs S&P 6mOwned afterFiling
2026-08-13Casellas AlbertoofficerSale5,456 @ $80.00$436K−9.7% of holding−3.1%not yet — horizon still open50,512Form 4 · filed 4 days after the trade
2026-08-03COVIELLO ARTHUR W JRdirectorSale4,000 @ $77.17$309K−13.3% of holding−1.7%not yet — horizon still open26,144Form 4 · filed 1 day after the trade
2026-08-03Gentleman CourtneyofficerSale721 @ $76.73$55K−3.7% of holding−1.7%not yet — horizon still open18,620Form 4 · filed 1 day after the trade
2026-08-03Owens DarrellofficerSale610 @ $76.73$47K−3.6% of holding−1.7%not yet — horizon still open16,410Form 4 · filed 1 day after the trade
2026-05-15MOTHNER JONATHAN SofficerSale40,000 @ $71.23$2.8M−23.2% of holding+4.0%not yet — horizon still open132,664Form 4 · filed 4 days after the trade
2026-05-15MOTHNER JONATHAN SofficerSale11,258 @ $71.23$802K−7.8% of holding+4.0%not yet — horizon still open132,664Form 4 · filed 4 days after the trade
2026-05-01Howse CurtisofficerSale8,436 @ $76.55$646K−8.9% of holding−11.3%not yet — horizon still open86,437Form 4 · filed 4 days after the trade
2026-05-01Casellas AlbertoofficerSale5,794 @ $76.55$444K−10.3% of holding−11.3%not yet — horizon still open50,331Form 4 · filed 4 days after the trade
2026-05-01COVIELLO ARTHUR W JRdirectorSale4,000 @ $76.55$306K−12.0% of holding−11.3%not yet — horizon still open29,341Form 4 · filed 4 days after the trade
2026-03-03Wenzel Brian J. Sr.officerSale47,112 @ $67.16$3.2M−42.3% of holding+2.9%−0.5%64,221Form 4 · filed same day
2026-03-02DOUBLES BRIAN DdirectorSale150,000 @ $68.86$10.3M−15.3% of holding+4.1%+0.4%829,222Form 4 · filed 1 day after the trade
2026-03-02DOUBLES BRIAN DdirectorSale39,105 @ $68.52$2.7M−4.5% of holding+4.1%+0.4%829,222Form 4 · filed 1 day after the trade
2026-03-02DOUBLES BRIAN DdirectorSale28,449 @ $67.96$1.9M−3.3% of holding+4.1%+0.4%829,222Form 4 · filed 1 day after the trade
2026-03-02Wenzel Brian J. Sr.officerSale19,580 @ $67.71$1.3M−15.0% of holding+4.1%+0.4%111,333Form 4 · filed 1 day after the trade
2026-03-02Juel CaroldirectorSale16,859 @ $67.71$1.1M−24.7% of holding+4.1%+0.4%51,446Form 4 · filed 1 day after the trade
2026-03-02Casellas AlbertoofficerSale14,399 @ $67.71$975K−22.2% of holding+4.1%+0.4%50,331Form 4 · filed 1 day after the trade
2026-03-02Schaller BartofficerSale12,980 @ $67.71$879K−27.6% of holding+4.1%+0.4%34,035Form 4 · filed 1 day after the trade
2026-03-02Howse CurtisofficerSale7,882 @ $67.71$534K−7.7% of holding+4.1%+0.4%94,873Form 4 · filed 1 day after the trade
2026-03-02Gentleman CourtneyofficerSale4,338 @ $67.71$294K−17.9% of holding+4.1%+0.4%19,831Form 4 · filed 1 day after the trade
2026-03-02Owens DarrellofficerSale3,865 @ $67.71$262K−18.1% of holding+4.1%+0.4%17,432Form 4 · filed 1 day after the trade
2026-02-17Juel CaroldirectorSale44,411 @ $70.60$3.1M−43.0% of holding−6.7%−1.1%58,773Form 4 · filed 2 days after the trade
2026-02-17Casellas AlbertoofficerSale41,514 @ $70.60$2.9M−42.0% of holding−6.7%−1.1%57,338Form 4 · filed 2 days after the trade
2026-02-17Schaller BartofficerSale35,300 @ $70.60$2.5M−45.5% of holding−6.7%−1.1%42,300Form 4 · filed 2 days after the trade
2026-02-17Gentleman CourtneyofficerSale12,045 @ $70.60$850K−40.3% of holding−6.7%−1.1%17,853Form 4 · filed 2 days after the trade
2026-02-17Owens DarrellofficerSale10,304 @ $70.60$727K−38.8% of holding−6.7%−1.1%16,233Form 4 · filed 2 days after the trade
2026-02-02Howse CurtisofficerSale52,556 @ $72.32$3.8M−35.8% of holding−3.9%−3.5%94,196Form 4 · filed 2 days after the trade
2026-02-02COVIELLO ARTHUR W JRdirectorSale4,000 @ $72.32$289K−11.0% of holding−3.9%−3.5%32,444Form 4 · filed 2 days after the trade
2025-11-17MOTHNER JONATHAN SofficerSale20,000 @ $72.80$1.5M−13.6% of holding+17.3%−8.9%127,100Form 4 · filed 2 days after the trade
2025-11-17MOTHNER JONATHAN SofficerSale12,000 @ $72.80$874K−8.6% of holding+17.3%−8.9%127,100Form 4 · filed 2 days after the trade
2025-11-03Howse CurtisofficerSale12,086 @ $74.02$895K−10.0% of holding+7.3%−5.2%108,271Form 4 · filed 2 days after the trade
2025-11-03COVIELLO ARTHUR W JRdirectorSale8,000 @ $73.93$591K−18.3% of holding+7.3%−5.2%35,769Form 4 · filed 2 days after the trade
2025-11-03Owens DarrellofficerSale2,989 @ $74.02$221K−15.7% of holding+7.3%−5.2%16,096Form 4 · filed 2 days after the trade
2025-08-05NAYLOR JEFFREY GdirectorSale10,000 @ $70.00$700K−14.3% of holding+6.5%−2.0%59,864Form 4 · filed same day
2025-08-05Wenzel Brian J. Sr.officerSale8,514 @ $70.00$596K−11.0% of holding+6.5%−2.0%68,588Form 4 · filed same day
2025-08-04Gentleman CourtneyofficerSale709 @ $67.95$48K−3.9% of holding+7.5%−2.3%17,628Form 4 · filed 1 day after the trade
2025-08-04Owens DarrellofficerSale600 @ $67.95$41K−2.7% of holding+7.5%−2.3%21,372Form 4 · filed 1 day after the trade
2025-08-01NAYLOR JEFFREY GdirectorSale10,000 @ $67.50$675K−12.5% of holding+9.5%−2.7%69,864Form 4 · filed 4 days after the trade
2025-06-24Howse CurtisofficerSale11,380 @ $65.00$740K−9.5% of holding+6.4%+20.2%108,062Form 4 · filed 2 days after the trade
2025-06-24NAYLOR JEFFREY GdirectorSale10,000 @ $65.00$650K−11.3% of holding+6.4%+20.2%78,570Form 4 · filed 2 days after the trade
2025-05-19MOTHNER JONATHAN SofficerSale40,639 @ $60.07$2.4M−21.7% of holding+1.9%+5.8%146,628Form 4 · filed same day

The vs-S&P columns are a labeled look-back on what the stock did after each filing, measured against the index over the same window. Descriptive history, not a claim about the person or a reason to trade.

260 award / exercise / gift records — not counted as purchases

Awards, option exercises, gifts and tax-withholding disposals are shown separately and never counted as open-market purchases or sales — they carry no conviction information.

DatePersonRoleActionSharesOwned afterFiling
2026-08-17DOUBLES BRIAN DdirectorAward / grant1,001828,886Form 4
2026-08-17Wenzel Brian J. Sr.officerAward / grant27264,763Form 4
2026-08-17MOTHNER JONATHAN SofficerAward / grant218132,875Form 4
2026-08-17Juel CaroldirectorAward / grant21851,875Form 4
2026-08-17NAYLOR JEFFREY GdirectorAward / grant20365,617Form 4
2026-08-17Howse CurtisofficerAward / grant18286,796Form 4
2026-08-17Casellas AlbertoofficerAward / grant18250,691Form 4
2026-08-17Alves Paget LeonarddirectorAward / grant15752,534Form 4
2026-08-17GUTHRIE ROY AdirectorAward / grant15640,855Form 4
2026-08-17Richie LaureldirectorAward / grant13851,824Form 4
2026-08-17Gentleman CourtneyofficerAward / grant7918,697Form 4
2026-08-17Owens DarrellofficerAward / grant7016,480Form 4
2026-08-17Tiliakos AmyofficerAward / grant4919,949Form 4
2026-08-17COVIELLO ARTHUR W JRdirectorAward / grant1426,156Form 4
2026-08-17AGUIRRE FERNANDOdirectorAward / grant1430,273Form 4
2026-08-17Chytil Kamila KdirectorAward / grant1417,929Form 4
2026-08-17Parker P.W.directorAward / grant1434,487Form 4
2026-08-17Zane Ellen MdirectorAward / grant1432,241Form 4
2026-08-17COLAO DANIEL OdirectorAward / grant145,682Form 4
2026-08-17COVIELLO ARTHUR W JRdirectorCode L1126,166Form 4
2026-08-17ELLINGER DEBORAH GdirectorAward / grant102,352Form 4
2026-08-17Casellas AlbertoofficerAward / grant1186Form 4
2026-08-13Casellas AlbertoofficerOption exercise5,45655,968Form 4
2026-08-13Casellas AlbertoofficerOption exercise5,4565,455Form 4
2026-07-31Tiliakos AmyofficerWithheld for tax1,73819,900Form 4
2026-07-31Gentleman CourtneyofficerWithheld for tax57419,341Form 4
2026-07-31Owens DarrellofficerWithheld for tax48617,020Form 4
2026-07-28DOUBLES BRIAN DdirectorWithheld for tax2,353827,886Form 4
2026-06-30NAYLOR JEFFREY GdirectorAward / grant1,20065,417Form 4
2026-06-30Zane Ellen MdirectorAward / grant78932,229Form 4
2026-06-30GUTHRIE ROY AdirectorAward / grant78940,704Form 4
2026-06-30Parker P.W.directorAward / grant78934,475Form 4
2026-06-30Richie LaureldirectorAward / grant78951,691Form 4
2026-06-30AGUIRRE FERNANDOdirectorAward / grant78930,262Form 4
2026-06-30Alves Paget LeonarddirectorAward / grant78952,383Form 4
2026-06-30COLAO DANIEL OdirectorAward / grant7895,672Form 4
2026-06-30COVIELLO ARTHUR W JRdirectorAward / grant78930,144Form 4
2026-06-30Chytil Kamila KdirectorAward / grant78917,918Form 4
2026-06-30ELLINGER DEBORAH GdirectorAward / grant7892,342Form 4
2026-05-15MOTHNER JONATHAN SofficerOption exercise11,258143,922Form 4

Source: SEC Form 4 filings. Each row links to its original filing.

Across 2012–2021, stocks where a CEO, C-suite officer, or director had recently made an open-market common-stock purchase ran about +28 bp per month above the universe average (n=34,268 stock-weeks). A historical tendency, not a prediction.

Congressional disclosures iStock trades disclosed by members of Congress for this company, by the date they were filed.iDisclosures shown as facts. A purchase “cluster” (≥2 members of Congress filing a buy within 90 days) has historically preceded modestly higher forward returns — and it persisted out-of-sample, though it roughly halved after 2021 (see below). A descriptive historical tendency, not a signal to trade and not used in our forecast. See /methodology.

As of 2026-09-16 · point-in-time by filed date

Purchase clusters · 2015–2021 (dev)+45 bp/mo vs baseline · up-rate 59.3% vs 57.3% · n=31,607 cluster ticker-weeks
Purchase clusters · 2022–2026 (out-of-sample)+32 bp/mo vs baseline · up-rate 54.0% vs 53.3% · n=27,793

A cluster = ≥2 members of Congress filing a purchase within 90 days. The historical tilt persisted after 2021 but roughly halved (+45 → +32 bp/mo forward 1-month vs the S&P 500 weekly-grid baseline). Descriptive historical tendency — not a signal to trade, and not used in our forecast (audition-log 2026-07-27, recomputed 2026-09-08).

'23 Q'24 Q'25 Q'26 Q'26 Q'26 Qpurchases ▲ / sales ▼ ($ vol)
MemberChamberTypeFiledTradedSize
Alan ArmstrongSenatepurchase2026-07-212026-03-27$1–15K
Ro KhannaHousepurchase2026-07-062026-06-02$1–15K
Ro KhannaHousepurchase2026-07-062026-06-02$1–15K
Ro KhannaHousepurchase2026-07-062026-06-03$1–15K
Ro KhannaHousepurchase2026-06-092026-05-27$1–15K
Ro KhannaHousesale2026-06-092026-05-15$1–15K
Josh GottheimerHousesale2026-05-192026-04-09$15–50K
Ro KhannaHousesale2026-05-112026-04-13$1–15K
Ro KhannaHousesale2026-04-072026-03-30$1–15K
Ro KhannaHousepurchase2026-03-092026-02-24$1–15K
Ro KhannaHousepurchase2026-03-092026-02-05$1–15K
Julia LetlowHousepurchase2026-01-132025-07-02$1–15K
Ro KhannaHousesale2025-08-072025-07-01$1–15K
Ro KhannaHousesale2025-08-072025-07-01$1–15K

Research tool, not investment advice — historical frequencies, not recommendations. A product of Marovel Technologies LLC. Full terms.