SYF monthly performance report
Explore SYF's monthly returns, drawdown, and seasonality trends — updated every month.
SYF monthly report
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Key takeaways
- Synchrony Financial (SYF) closed November 2026 at $71.66, down 4.90% for the month and −5.07% over the trailing 12 months.
- Year-to-date, SYF is −14.11%, underperforming the S&P 500 which has returned +11.03% YTD.
- The stock is trading −2.48% versus its 200-day moving average ($73.48), a cautious technical signal.
- Over the past three years, SYF has outperformed the S&P 500 by +70.51%, with a relative strength index reading of 141.4.
- Win rate over the trailing 39 months stands at 56.4% — 22 positive months versus 17 negative months.
Synchrony Financial ended November 2026 at $71.66, posting a monthly return of −4.90%. The S&P 500 returned +0.19% over the same window, leaving relative performance at −5.08%.
The current quarter stands at +0.97% (Q4 2026 (QTD)), while medium-term trend remains soft: price is −2.48% versus the 200-day moving average ($73.48).
Year-to-date, SYF is −14.11% against SPY +11.03%, a gap of −25.14%. The stock is currently −19.27% below its 52-week high, with maximum 3-year drawdown at −37.97%.
| Period | SYF | S&P 500 (SPY) | Excess return |
|---|---|---|---|
| 1 Day | −0.50% | −0.35% | −0.15% |
| 1 Week | −3.25% | +3.29% | −6.54% |
| 1 Month | −4.90% | +0.19% | −5.08% |
| 3 Months | −11.53% | −2.48% | −9.06% |
| 6 Months | +2.65% | +2.00% | +0.65% |
| YTD | −14.11% | +11.03% | −25.14% |
| 12 Months | −5.07% | +10.79% | −15.86% |
| 3 Years | +142.34% | +71.83% | +70.51% |
| Rank | Month | Return |
|---|---|---|
| #1 | Nov 2024 | +22.45% |
| #2 | Dec 2023 | +18.02% |
| #3 | Jun 2025 | +15.77% |
| #4 | Nov 2023 | +15.37% |
| #5 | Apr 2026 | +12.03% |
| Rank | Month | Return |
|---|---|---|
| #1 | Jan 2026 | −12.94% |
| #2 | Mar 2025 | −12.76% |
| #3 | Feb 2025 | −12.03% |
| #4 | Oct 2023 | −8.24% |
| #5 | Sep 2026 | −7.93% |
| Quarter | Return |
|---|---|
| Q3 2025 | +6.46% |
| Q4 2025 | +17.42% |
| Q1 2026 | −18.47% |
| Q2 2026 | +11.81% |
| Q3 2026 | −6.68% |
| Q4 2026 (QTD) | +0.97% |
| Year | Return |
|---|---|
| 2023 | +16.22% |
| 2024 | +70.20% |
| 2025 | +28.35% |
| 2026 | −14.11% |
| Metric | Value |
|---|---|
| 52-Week High | $88.77 (2026-01-09) |
| 52-Week Low | $63.08 (2026-03-12) |
| Current Price | $71.66 |
| 200-Day Moving Average | $73.48 |
| Price vs 200DMA | −2.48% |
| 3-Year Maximum Drawdown | −37.97% (2025-04-04) |
| Current Drawdown from 52W High | −19.27% |
| RS metric | Value |
|---|---|
| RS Index (3-year, rebased to 100) | 141.4 |
| 3-Year Excess Return vs S&P 500 | +70.51% |
| RS Peak | 191.1 (Jan 2026) |
| RS Trough | 95.9 (Nov 2023) |
| Status | Outperforming Benchmark |
Frequently asked questions
What was SYF's return for this report period?
SYF returned −4.90% in the latest monthly window ending 2026-11-12.
Has SYF outperformed SPY year to date?
YTD SYF: −14.11% vs SPY: +11.03%.
What is SYF's 12-month return?
−5.07% over the trailing 12 months.
Is SYF above or below its 200-day moving average?
Price is −2.48% versus 200DMA ($73.48).
What is the maximum drawdown in the 3-year window?
−37.97% on 2025-04-04.