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 September 2026 at $74.41, down 3.46% for the month and −0.55% over the trailing 12 months.
- Year-to-date, SYF is −10.81%, underperforming the S&P 500 which has returned +11.83% YTD.
- The stock is trading −1.04% versus its 200-day moving average ($75.19), a cautious technical signal.
- Over the past three years, SYF has outperformed the S&P 500 by +56.81%, with a relative strength index reading of 134.7.
- Win rate over the trailing 39 months stands at 56.4% — 22 positive months versus 17 negative months.
Synchrony Financial ended September 2026 at $74.41, posting a monthly return of −3.46%. The S&P 500 returned −0.58% over the same window, leaving relative performance at −2.88%.
The current quarter stands at −2.16% (Q3 2026 (QTD)), while medium-term trend remains soft: price is −1.04% versus the 200-day moving average ($75.19).
Year-to-date, SYF is −10.81% against SPY +11.83%, a gap of −22.64%. The stock is currently −16.18% below its 52-week high, with maximum 3-year drawdown at −37.97%.
| Period | SYF | S&P 500 (SPY) | Excess return |
|---|---|---|---|
| 1 Day | −0.63% | +1.13% | −1.76% |
| 1 Week | −1.37% | +0.63% | −1.99% |
| 1 Month | −3.46% | −0.58% | −2.88% |
| 3 Months | −0.27% | +1.64% | −1.90% |
| 6 Months | +16.32% | +15.15% | +1.17% |
| YTD | −10.81% | +11.83% | −22.64% |
| 12 Months | −0.55% | +15.69% | −16.24% |
| 3 Years | +128.81% | +72.00% | +56.81% |
| 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 2025 | −6.93% |
| Quarter | Return |
|---|---|
| Q2 2025 | +26.07% |
| Q3 2025 | +6.46% |
| Q4 2025 | +17.42% |
| Q1 2026 | −18.47% |
| Q2 2026 | +11.81% |
| Q3 2026 (QTD) | −2.16% |
| Year | Return |
|---|---|
| 2023 | +16.22% |
| 2024 | +70.20% |
| 2025 | +28.35% |
| 2026 | −10.81% |
| Metric | Value |
|---|---|
| 52-Week High | $88.77 (2026-01-09) |
| 52-Week Low | $63.08 (2026-03-12) |
| Current Price | $74.41 |
| 200-Day Moving Average | $75.19 |
| Price vs 200DMA | −1.04% |
| 3-Year Maximum Drawdown | −37.97% (2025-04-04) |
| Current Drawdown from 52W High | −16.18% |
| RS metric | Value |
|---|---|
| RS Index (3-year, rebased to 100) | 134.7 |
| 3-Year Excess Return vs S&P 500 | +56.81% |
| RS Peak | 176.5 (Jan 2026) |
| RS Trough | 88.6 (Nov 2023) |
| Status | Outperforming Benchmark |
Frequently asked questions
What was SYF's return for this report period?
SYF returned −3.46% in the latest monthly window ending 2026-09-17.
Has SYF outperformed SPY year to date?
YTD SYF: −10.81% vs SPY: +11.83%.
What is SYF's 12-month return?
−0.55% over the trailing 12 months.
Is SYF above or below its 200-day moving average?
Price is −1.04% versus 200DMA ($75.19).
What is the maximum drawdown in the 3-year window?
−37.97% on 2025-04-04.