ROARABLE // PRO
GLOBAL DESKS // NYC --:--:-- NYSE
US TAPE
ROAR ▸

SYF // Synchrony Financial

DES <GO> NYSE RQD COCKPIT → CIK 0001601712 ↗
Financials • Finance: Consumer Services
$75.35 ▼ -1.62 (-2.10%)
MKT CAP: $23.97B • VOL: 2.92M
SYF // ROARABLE RATING & 5-PILLAR RQD CONFIDENCE 02:00 EST DETERMINISTIC ENGINE
PRIOR: RQD 72/100 [B] (+0 PT) • UNCHANGED
ROARABLE B
RQD CONFIDENCE
72 / 100 +0D
5 X 20-PT QUANT PILLARS
E 0 D 35 C 59 B 70 A 86+
Roarable Buy — Good Risk/Reward
01 MASSIVE / SEC XBRL
Forensic Fundamentals
13 / 20
SOLID
FCF +0% vs NI +1.5% • ROIC-WACC -1.9% • Z 3.2
02 INSTITUTIONAL TAPE & TREND
Whale & Options Flow
14 / 20
SOLID
52W RANGE 54% • VS 200D +4.6% • RSI 59.3
03 SEC XBRL CAPITAL ALLOCATION
Insider & Capital Conviction
17 / 20
STRONG
FCF YIELD +22% • P/E 6.2x • F-SCORE 7/9
04 FRED 90D r-MATRIX
Macro Regime Fit
[LOCKED] FLAGGED
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05 10-K REDLINE AUDIT
Forensic 10-K Risk
[LOCKED] FLAGGED
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ALERT

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SYF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.50%▼ DESCENDING CHANNEL
2026-11-02O $75.36H $76.97L $75.35C $75.35VOL 3.01M
RES: $77.52SUP: $68.81SMA50: $74.91SMA200: $73.59
$82.89$78.87$74.85$70.82$66.80RES $77.52SUP $68.81$75.352026-05-042026-06-172026-08-042026-09-182026-11-02
SYF // INSTITUTIONAL BULL VS. BEAR FORENSIC DEBATE
UNDERWEIGHT CONVICTION: 43/100
BEAR 0
100 BULL

Synchrony Financial (SYF) exhibits 45.0% gross margins and 7.6% return on invested capital within Financials (Finance: Consumer Services), balanced against a 11.3x enterprise multiple and 4.8% implied options volatility.

▲ INSTITUTIONAL BULL THESIS (LONG)
01. Operating Leverage & Capital Efficiency Moat

Sustained 45.0% gross profitability converts into 64.6% operating margin and 7.6% ROIC, outpacing sector cost of capital.

ROIC: 7.6% // GM: 45.0%
02. Top-Line Expansion & Cash Conversion

YoY revenue trajectory of -1.1% paired with 22.00% free cash flow yield supports self-funded R&D and capital return.

REV YOY: -1.1% // FCF YLD: 22.00%
03. Balance Sheet Solvency & Forensic Quality

Altman Z-Score of 3.80 and Piotroski F-Score of 7/9 indicate low near-term refinancing stress.

ALTMAN Z: 3.80 // F-SCORE: 7/9
▼ INSTITUTIONAL BEAR THESIS (SHORT / RISK)
01. Multiple Compression & Duration Sensitivity

Trading at 6.7x trailing P/E (6.2x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.

P/E: 6.7x // EV/EBITDA: 11.3x
02. Options Skew & Event Volatility Risk

Options market prices a ±5.2% implied move with a 0.85 put/call ratio around $75.35 max pain.

IMPL MOVE: ±5.2% // P/C: 0.85
03. Competitive Margin & CapEx Cycle Pressure

Elevated industry capital intensity and customer concentration in Finance: Consumer Services require continuous execution to defend 52.9% net margins.

NET MARGIN: 52.9% // D/E: 0.45x
KEY CATALYST // Upcoming 10-Q/10-K XBRL margin progression, guidance revision vs 6.2x forward consensus, and institutional 13F positioning.
MACRO REGIME // Monitor US 10Y Real Yields (DFII10) and High-Yield Credit Spreads (OAS) for beta-adjusted multiple impact (Beta 1.16).
FORM 4 & 13F FLOW OPEN OWN <GO>
FILER SIDE $ VALUE
INSPECT FULL OWNERSHIP LEDGER IN OWN <GO>
UNUSUAL OPTIONS TAPE OPEN OPT <GO>
STRIKE / EXP TYPE PREMIUM
INSPECT GEX & CHAIN IN OPT <GO>
KEY VALUATION & PROFITABILITY RATIOS XBRL FA <GO>
TRAILING P/E 6.7x
FORWARD P/E 6.2x
EV / EBITDA 11.3x
FCF YIELD 22.00%
GROSS MARGIN —
OPERATING MARGIN 64.6%
NET MARGIN 52.9%
ROIC % 7.6%
REV GROWTH YOY -1.1%
DILUTED EPS TTM $11.41
DEBT / EQUITY —
DIVIDEND YIELD 1.78%
RSI-14 MOMENTUM 59.3
5Y EQUITY BETA 1.16
FRED MACRO SENSITIVITY (PEARSON r) ECST <GO>
MACRO CORRELATION CALIBRATION ACTIVE BELOW.
FRED MACRO REGIME STRESS-TEST SIMULATOR // SYFPEARSON R VARIANCE ENGINE
01 // SELECT FEDERAL RESERVE & CREDIT SHOCK SCENARIO
02 // POSITION NOTIONAL EXPOSURE
HEADLINE STRESS SCORE
75/100SEVERE DRAWDOWN PRESSURE
PRIMARY FACTOR EXPOSURE
DFII10 // -0.61 r
Latest: 2.08%
EST. DIRECTIONAL MOVE
-8.50%
Implied Px: $68.95
EST. DOLLAR VARIANCE
-$4,248
On $50,000 Notional
[LOCKED // MULTI-FACTOR DRAWDOWN HEDGE & MACRO TRIGGER ALERT]

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HEAD-TO-HEAD PEER COMPARISONS COMP <GO>