Synchrony Financial· SYF

🇺🇸 US · LargeSP500NYSE

Financial Services Financial - Credit Services Website

Price: $75.04
Day: +0.85%
Mkt Cap: $24.42B
52W Range: $63.08 – $88.77
Volume: 6.89M
Beta: 1.31

D55D FrameworkQuarterly Data

Holdings Analysis

Insider activity, institutional flows, and fund ownership.

Smart Money: 3.2 / 5 (Neutral), from 3 of 3 components
Institutions Q2 2026: 1,038 institutions hold; 526 added, 355 reduced
Insiders Q3 2026: no purchases, 4 sales ($847.3K)

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Synchrony Financial

SYF|Financial Services|Financial - Credit Services

Current price: $75

Smart Money

Dimension 5 of 5

Insider selling pace · Q3 2026

0.1x

quarter in progress, filings still arriving

Seller breadth · Q3 2026

4 sellers

vs 5.3 avg per quarter

Institutional net breadth · Q2 2026

+207

647 adding vs 440 reducing

Institutional ownership · Q2 2026

N/A

overlapping 13F filings

Insider Selling Pace

Each quarter's selling vs this stock's own trailing 6-quarter average

Light <0.5xRoutineElevated >1.5xHeavy >3xBuying

Institutional Positions

Institutions adding above the line, reducing below, net as a line

NewIncreasedReducedClosedNet

Largest Institutional Holders, Q2 2026

By reported market value, and how each moved in the quarter

Holder

Change

BLACKROCK, INC.

30.9M

+4.8%

VANGUARD CAPITAL MANAGEMENT LLC

22.0M

+0.7%

CAPITAL WORLD INVESTORS

18.9M

-42.1%

VANGUARD PORTFOLIO MANAGEMENT LLC

18.1M

+1.0%

STATE STREET CORP

17.7M

+3.4%

BANK OF AMERICA CORP /DE/

14.8M

-5.0%

ETF & Fund Activity, Q2 2026

How the covering funds split between buying, holding and selling

104

171

141

104 buying171 unchanged141 selling

416 funds held SYF in Q2 2026, holding 155.4M shares between them, down 6.8% on the quarter.

Largest fund holders

SPDR SERIES TRUST1.4M sh

NATIONWIDE MUTUAL FUNDS299.1K sh

THRIVENT SERIES FUND INC13.0K sh

Notable Insider Transactions, Q3 2026

Largest open-market purchases and sales by value in the last eight quarters

Sale · Mar 2

DOUBLES BRIAN D

$10.3M

Sale · Feb 28

DOUBLES BRIAN D

$5.5M

Sale · Feb 2

Howse Curtis

$3.8M

Insider transactions from SEC Form 4 filings; institutional holdings from quarterly 13F filings, which are reported with a lag and can overlap between filers. 13F: quarterly institutional holdings report · ETF: Exchange-Traded Fund

See the complete picture

The full 5D Framework: Business Quality · Peer Comparison · Valuation · Analyst Sentiment · Smart Money

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Generated September 20, 2026

For educational purposes only. Not financial advice. Data may be delayed or incomplete.

Smart Money Sentiment

SYF Smart Money Sentiment Score

A weighted 1-5 sentiment score across three smart money signals.

Smart Money

3.2/5

Neutral

Weighted across 3 components

Component Breakdown (3 of 3 available)

Insider Activity

40% weight

Institutional Flow

50% weight

+24

Fund Flow

10% weight

-25

Overall Smart Money sentiment of 3.2/5 (Neutral) based on a weighted combination of 3 components. Insider activity uses a relative-baseline comparison against the stock's own history; institutional flow tracks position momentum and 13F share changes; fund flow measures ETF / mutual-fund buying vs selling. Higher scores indicate stronger bullish sentiment from professional investors.Last updated September 19, 2026.

Insider Trading Activity

Insider trading analysis comparing the latest quarter against the stock's own historical baseline.

Insider Selling Pace for SYF

Each quarter's selling vs the stock's own trailing 6-quarter average; 1.0x is typical for this stock. Green triangles mark quarters with insider buying.

Neutral

Routine insider selling in Q3 2026

4 sales totaling $847.3K (10.8K shares)

Share volume is well below the historical pace (0.1x average), insiders are holding more

4 different insiders sold this quarter

Sell-only pattern: no insider purchases across 15 quarters

Steady selling pace across recent quarters

0.1x

Selling pace

quarter in progress, filings still arriving

0.41%

Stake sold

of active insiders' holdings

4 sellers

Seller breadth

vs 5.3 avg per quarter

None

Insider buying

in the last 16 quarters

Notable Recent Transactions, SYF

Top 8 highest-value insider trades from the last 8 quarters

DOUBLES BRIAN D

Director

Sell

150,000 shares at $68.86

≈15.3% of their stake at the time

Mar 2, 2026$10.33M

DOUBLES BRIAN D

Director

Sell

91,154 shares at $60.05

≈11.9% of their stake at the time

Feb 28, 2025$5.47M

Howse Curtis

Officer

Sell

52,556 shares at $72.32

≈35.8% of their stake at the time

Feb 2, 2026$3.80M

Wenzel Brian J. Sr.

Officer

Sell

62,702 shares at $60.01

≈47.9% of their stake at the time

Mar 3, 2025$3.76M

Casellas Alberto

Officer

Sell

58,026 shares at $60.01

≈50.7% of their stake at the time

Mar 3, 2025$3.48M

Wenzel Brian J. Sr.

Officer

Sell

47,112 shares at $67.16

≈42.3% of their stake at the time

Mar 3, 2026$3.16M

Juel Carol

Officer

Sell

44,411 shares at $70.60

≈43.0% of their stake at the time

Feb 17, 2026$3.14M

Casellas Alberto

Officer

Sell

41,514 shares at $70.60

≈42.0% of their stake at the time

Feb 17, 2026$2.93M

Institutional Ownership Analysis

Institutional ownership analysis with position momentum, 13F share flow, and ownership percentage trends.

Institutional Positions for SYF

Institutions adding (new + increased) above zero, reducing (reduced + closed) below, net as a line

New Increased Reduced Closed Net (adding − reducing)

Bullish Signal

Institutions accumulating in Q2 2026

13F filings cover more than 100% of shares this quarter (overlapping reports), so ownership and share-flow figures are unreliable

Slight accumulation: 647 adding vs 440 reducing

Momentum improving from prior quarter

+207

Net breadth

647 adding vs 440 reducing

Accumulating

1.47

Add / reduce ratio

in Q2 2026

+36

New − closed

121 initiated, 85 exited

8 of 10

Top holders adding

largest holders with a known change

Position Changes

Q2 2026: how are institutions adjusting their positions?

+647 growing-440 shrinkingNet: +207

121

526

355

New (121)

Increased (526)

Reduced (355)

Closed (85)

Top Institutional Holders, SYF

Largest 8 institutional positions by ownership percentage as of Q2 2026

BLACKROCK, INC.

30.9M

$2.3B

Ownership

9.32%

+4.8%

VANGUARD CAPITAL MANAGEMENT LLC

22.0M

$1.7B

Ownership

6.64%

+0.7%

CAPITAL WORLD INVESTORS

18.9M

$1.4B

Ownership

5.71%

-42.1%

VANGUARD PORTFOLIO MANAGEMENT LLC

18.1M

$1.4B

Ownership

5.46%

+1.0%

STATE STREET CORP

17.7M

$1.3B

Ownership

5.35%

+3.4%

BANK OF AMERICA CORP /DE/

14.8M

$1.1B

Ownership

4.46%

-5.0%

GOLDMAN SACHS GROUP INC

10.1M

$767.6M

Ownership

3.05%

+8.7%

GEODE CAPITAL MANAGEMENT, LLC

9.9M

$759.6M

Ownership

2.97%

+2.4%

ETF and Mutual Fund Holdings

ETF and mutual fund activity breakdown showing buying vs selling funds, top fund holders, and detailed holdings.

Fund Activity

Q2 2026: 416 ETFs and mutual funds reporting

104 buying141 sellingNet: -37

104

171

141

Buying (104)

Unchanged (171)

Selling (141)

In total, funds bought 7.2M shares and sold 17.8M this quarter. Each fund counts once in the bar above, whatever the size of its move.

Bearish Signal

Funds distributing in Q2 2026

416 ETFs and mutual funds reporting

141 funds selling vs 104 buying

Top Fund Holders, SYF

Largest 8 ETF and mutual fund positions by shares held, each fund's latest filing

SPDR SERIES TRUST

1.4M

Weight

7.01%

Jul 31, 2026No change

NATIONWIDE MUTUAL FUNDS

299.1K

Weight

0.04%

Jul 31, 2026Increased

THRIVENT SERIES FUND INC

13.0K

Weight

0.01%

Jun 30, 2026Decreased

PIMCO VARIABLE INSURANCE TRUST

12.8K

Weight

0.00%

Jun 30, 2026No change

ALLSPRING FUNDS TRUST

11.7K

Weight

0.00%

Jun 30, 2026Decreased

MFS VARIABLE INSURANCE TRUST II

11.4K

Weight

0.01%

Jun 30, 2026No change

FT Vest Rising Dividend Achievers Total Return Fund

11.3K

Weight

—

Jun 30, 2026Increased

SEASONS SERIES TRUST

10.9K

Weight

0.05%

Jun 30, 2026Increased

Synchrony Financial· SYF

Holdings Analysis

Insider Trading Activity

1.3Transaction History73Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings158Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights

Search stocks

Holdings Analysis

Insider Trading Activity

1.3Transaction History73Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings158Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights