What is the 13F Pro Quality Score for SYF?

13F Pro ranks Synchrony Financial (SYF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SYF's current score at https://13fpro.ai/company/SYF (free sign-up required for the full ranking).

Where does 13F Pro source SYF data?

All Synchrony Financial fundamentals and ownership data come directly from SEC EDGAR. Synchrony Financial files with the SEC under CIK 1601712. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SYF in?

Synchrony Financial (SYF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SYF research updated on 13F Pro?

SYF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Synchrony Financial(SYF)Stock Analysis

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SEC EDGAR: CIK 1601712 SYF stock profile & AI dashboard →

13F Pro Quality Score

64.0/100

Rank #580 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

28.6/100

Profitability

78.0/100

Balance Sheet

59.0/100

Earnings Quality

85.9/100

Free Cash Flow

95.1/100

Institutional Flow

69.2/100

Revenue Scale

92.2/100

Dilution Risk

94.7/100

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Why SYF Scores 64/100

exact factor attribution · 2026-09-11

SYF's composite is driven by scale and free cash flow, held back by revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+8.4 pts

92th pct

Free cash flow

+6.8 pts

95th pct

Profitability

+5.6 pts

78th pct

Earnings quality

+3.6 pts

86th pct

Shareholder dilution

+3.0 pts

95th pct

Institutional flow

+1.3 pts

69th pct

Capital efficiency

+1.2 pts

59th pct

Earnings growth

+0.2 pts

53th pct

Revenue growth

-5.7 pts

29th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

SYF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Synchrony Financial (SYF), a Financials sector company. 13F Pro's AI-powered ranking engine scores SYF at 64.0/100 on a 32-signal composite quality model, placing it at rank #580 of 2,961 stocks — the top 25% of the AI-ranked universe. SYF scores in the top quartile across free cash flow (95.1), revenue scale (92.2), earnings quality (85.9). Areas of concern include revenue growth (28.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Synchrony Financial reports quarterly revenue of $4.7B, net income of $885.0M. Top institutional holders of SYF by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, Capital World Investors, based on the most recent SEC filings. SYF trades on the NYSE exchange and files with the SEC under CIK 1601712. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SYF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Synchrony Financial directly from SEC EDGAR. Synchrony Financial's 13F Pro composite quality score has ranged between 38 and 64 since 2026, currently 64.0 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

Revenue

Q2 2026

$4.7B

Net Income

Q2 2026

$885.0M

ROIC

Q2 2026

14.2%

D/E Ratio

Q2 2026

0.97

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-2.8% YoY

$18.99BFY 2025

FY22 $16.00BFY23 $17.29BFY24 $19.53BFY25 $18.99B

Net Income

+1.5% YoY

$3.55BFY 2025

FY22 $3.02BFY23 $2.24BFY24 $3.50BFY25 $3.55B

EPS (Diluted)

+8.5% YoY

$9.28FY 2025

FY22 $6.15FY23 $5.19FY24 $8.55FY25 $9.28

Total Assets

-0.3% YoY

$119.09BFY 2025

FY22 $104.56BFY23 $117.48BFY24 $119.46BFY25 $119.09B

Total Debt

-1.8% YoY

$15.18BFY 2025

FY22 $14.19BFY23 $15.98BFY24 $15.46BFY25 $15.18B

Op. Cash Flow

+0.0% YoY

$9.85BFY 2025

FY22 $6.69BFY23 $8.59BFY24 $9.85BFY25 $9.85B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$18.99B -2.8%	$19.53B +13.0%	$17.29B +8.0%	$16.00B +8.7%	$14.72B	—
Net Income	$3.55B +1.5%	$3.50B +56.3%	$2.24B -25.8%	$3.02B -28.5%	$4.22B +204.8%	$1.39B
EPS (Diluted)	$9.28 +8.5%	$8.55 +64.7%	$5.19 -15.6%	$6.15 -16.2%	$7.34 +223.3%	$2.27
Total Assets	$119.09B -0.3%	$119.46B +1.7%	$117.48B +12.4%	$104.56B +9.2%	$95.75B -0.2%	$95.95B
Total Debt	$15.18B -1.8%	$15.46B -3.3%	$15.98B +12.6%	$14.19B -2.2%	$14.51B -8.0%	$15.78B
Operating Cash Flow	$9.85B +0.0%	$9.85B +14.6%	$8.59B +28.4%	$6.69B -5.7%	$7.10B -5.2%	$7.49B

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Available Research

13F Pro tracks comprehensive data for Synchrony Financial including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SYF

BlackRock, Inc.
$2.3B30,893,517 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.7B22,013,925 sh
Capital World Investors
$1.4B18,918,854 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.4B18,090,018 sh
STATE STREET CORP
$1.3B17,733,198 sh
BANK OF AMERICA CORP /DE/
$1.1B14,766,088 sh
GOLDMAN SACHS GROUP INC
$767.6M10,093,347 sh
GEODE CAPITAL MANAGEMENT, LLC
$759.6M9,853,708 sh
FIRST TRUST ADVISORS LP
$585.5M7,698,248 sh
PAR CAPITAL MANAGEMENT INC
$578.9M7,612,137 sh

Fund	Value	Shares
BlackRock, Inc.	$2.3B	30,893,517
VANGUARD CAPITAL MANAGEMENT LLC	$1.7B	22,013,925
Capital World Investors	$1.4B	18,918,854
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.4B	18,090,018
STATE STREET CORP	$1.3B	17,733,198
BANK OF AMERICA CORP /DE/	$1.1B	14,766,088
GOLDMAN SACHS GROUP INC	$767.6M	10,093,347
GEODE CAPITAL MANAGEMENT, LLC	$759.6M	9,853,708
FIRST TRUST ADVISORS LP	$585.5M	7,698,248
PAR CAPITAL MANAGEMENT INC	$578.9M	7,612,137

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Is SYF a good stock to buy?

13F Pro's AI-powered analysis of Synchrony Financial (SYF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SYF are available on the SYF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. SYF is classified as a large company.

Which hedge funds own SYF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SYF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Synchrony Financial's investment landscape.