# SYF · Synchrony Financial

Snapshot 2026-10-26 · CIK 0001601712 · NYSE · Finance Services

Price 73.64 (2026-10-23, Alpaca Market Data (consolidated SIP daily bar)) · Market cap 22.93 B

Machine-readable: https://theclaudetrader.com/s/SYF.json · index: https://theclaudetrader.com/llms.txt

## Scores

### Graham Defensive: — (not scored (financial)) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/graham

### Magic Formula: — (not scored) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/magic_formula

### Momentum: 47.8 (ok) · complete: True · missing tests: none · current inputs as of 2026-10-23 · stale inputs: none · history None–None · price 2026-10-23 · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/momentum
-  12-1 month return: -1.9 % · threshold  · points 19.2/50
-  6 month return: -3.1 % · threshold  · points 6.8/20
-  Price / 52-week high: 0.843  · threshold  · points 12.6/15
-  Volatility penalty (60d annualised): 24.8 % · threshold  · points 9.2/15

Inputs:
  - Adjusted close series (14 months): 73.64 · 2026-10-23 · Yahoo Finance / Alpaca Market Data daily history · 

### Insider: 0.0 (no open-market transactions in window) · complete: True · missing tests: none · current inputs as of 2026-10-23 · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/insider
-  Open-market buy value / market cap (percentile among buyers): 0.0 bp · threshold  · points 0.0/35
-  Distinct buyers: 0  · threshold  · points 0.0/25
-  Buyer seniority: 0.0  · threshold  · points 0.0/20
-  Recency (half-life 30d): 0.0  · threshold  · points 0.0/10
-  Sales penalty (excludes 10b5-1 plan sales): 0.0 bp · threshold  · points -0.0/0

Inputs:
  - excluded 2026-08-13 S: 10b5-1 plan ·  · rule · 
  - excluded 2026-08-03 S: 10b5-1 plan ·  · rule · 
  - excluded 2026-08-03 S: 10b5-1 plan ·  · rule · 
  - excluded 2026-08-03 S: 10b5-1 plan ·  · rule · 

### Buffett Quality: — (not scored (financial)) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/buffett

### Lynch GARP: — (not scored (financial)) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/lynch

### Graham Enterprising: — (not scored (financial)) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/graham_enterprising

### Piotroski F-Score: — (not scored (financial)) · complete: None · missing tests: none · current inputs as of None · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/piotroski

## Market value, source trail

- Formula: market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used
- Traded price: 73.64 on 2026-10-23 (USD per traded unit (share or ADS)) · https://docs.alpaca.markets/docs/historical-stock-data-1
- SEC shares outstanding: 311,404,854 underlying shares, period 2026-10-16, SEC cover page 10-Q 0001601712-26-000043 (311,404,854 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1601712/000160171226000043/syf-20260930.htm, accession 0001601712-26-000043 · https://www.sec.gov/Archives/edgar/data/1601712/000160171226000043/R1.htm
- Depositary ratio: 1.0 (domestic; 10-K filer; SEC shares are the traded units) · None
- Market value (price date x latest reported shares): 22,931,853,449 USD; 73.64 (price 2026-10-23) / 1 x 311,404,854 (shares at 2026-10-16) = 22,931,853,449

## Revenue by fiscal year (SEC XBRL; FY = calendar year in which the fiscal year ends)


## Net income by fiscal year (SEC XBRL)

- FY2013 (ended 2013-12-31): 1979000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171216000069/
- FY2014 (ended 2014-12-31): 2109000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171217000031/
- FY2015 (ended 2015-12-31): 2214000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171218000107/
- FY2016 (ended 2016-12-31): 2251000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171219000053/
- FY2017 (ended 2017-12-31): 1935000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171220000038/
- FY2018 (ended 2018-12-31): 2790000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171221000057/
- FY2019 (ended 2019-12-31): 3747000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171222000053/
- FY2020 (ended 2020-12-31): 1385000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171223000037/
- FY2021 (ended 2021-12-31): 4221000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171224000047/
- FY2022 (ended 2022-12-31): 3016000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171225000044/
- FY2023 (ended 2023-12-31): 2238000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/
- FY2024 (ended 2024-12-31): 3499000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/
- FY2025 (ended 2025-12-31): 3552000000.0 · https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/

## EPS diluted by fiscal year (split-adjusted to today's share basis; as filed in brackets)

- FY2013 (ended 2013-12-31): 2.81 [filed 2.81, split factor 1.0]
- FY2014 (ended 2014-12-31): 2.78 [filed 2.78, split factor 1.0]
- FY2015 (ended 2015-12-31): 2.65 [filed 2.65, split factor 1.0]
- FY2016 (ended 2016-12-31): 2.71 [filed 2.71, split factor 1.0]
- FY2017 (ended 2017-12-31): 2.42 [filed 2.42, split factor 1.0]
- FY2018 (ended 2018-12-31): 3.74 [filed 3.74, split factor 1.0]
- FY2019 (ended 2019-12-31): 5.56 [filed 5.56, split factor 1.0]
- FY2020 (ended 2020-12-31): 2.27 [filed 2.27, split factor 1.0]
- FY2021 (ended 2021-12-31): 7.34 [filed 7.34, split factor 1.0]
- FY2022 (ended 2022-12-31): 6.15 [filed 6.15, split factor 1.0]
- FY2023 (ended 2023-12-31): 5.19 [filed 5.19, split factor 1.0]
- FY2024 (ended 2024-12-31): 8.55 [filed 8.55, split factor 1.0]
- FY2025 (ended 2025-12-31): 9.28 [filed 9.28, split factor 1.0]

## Dividend years (Yahoo history)

2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026

## Insider transactions (SEC Form 4 data set, latest 40)

- 2026-08-13 S Casellas Alberto (officer) 5456 @ 80.00 = 436480 · https://www.sec.gov/Archives/edgar/data/1601712/000176355426000010/
- 2026-08-03 S COVIELLO ARTHUR W JR (director) 4000 @ 77.17 = 308680 · https://www.sec.gov/Archives/edgar/data/1601712/000120658726000016/
- 2026-08-03 S Gentleman Courtney (officer) 721 @ 76.73 = 55322 · https://www.sec.gov/Archives/edgar/data/1601712/000203228126000009/
- 2026-08-03 S Owens Darrell (officer) 610 @ 76.73 = 46805 · https://www.sec.gov/Archives/edgar/data/1601712/000203227726000009/
- 2026-05-15 S MOTHNER JONATHAN S (officer) 40000 @ 71.23 = 2849200 · https://www.sec.gov/Archives/edgar/data/1601712/000161472526000008/
- 2026-05-15 S MOTHNER JONATHAN S (officer) 11258 @ 71.23 = 801907 · https://www.sec.gov/Archives/edgar/data/1601712/000161472526000008/
- 2026-05-01 S Casellas Alberto (officer) 5794 @ 76.55 = 443531 · https://www.sec.gov/Archives/edgar/data/1601712/000176355426000006/
- 2026-05-01 S COVIELLO ARTHUR W JR (director) 4000 @ 76.55 = 306200 · https://www.sec.gov/Archives/edgar/data/1601712/000120658726000008/
- 2026-05-01 S Howse Curtis (officer) 8436 @ 76.55 = 645776 · https://www.sec.gov/Archives/edgar/data/1601712/000183972226000008/

## Links

- sec_filings: https://www.sec.gov/edgar/browse/?CIK=0001601712
- sec_xbrl_companyfacts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001601712.json
- sec_form4: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001601712&type=4
- sec_8k: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001601712&type=8-K
- yahoo: https://finance.yahoo.com/quote/SYF
- stooq: https://stooq.com/q/d/?s=syf.us
- morningstar (link only, nothing stored): https://www.morningstar.com/search?query=SYF
- finviz (link only, nothing stored): https://finviz.com/quote.ashx?t=SYF
- stockanalysis (link only, nothing stored): https://stockanalysis.com/stocks/syf/
- seeking_alpha (link only, nothing stored): https://seekingalpha.com/symbol/SYF
- openinsider (link only, nothing stored): http://openinsider.com/search?q=SYF
- google_news (link only, nothing stored): https://news.google.com/rss/search?q=SYF+stock

Cite as: The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/SYF; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23.

Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation.