SYF
StockSynchrony Financial
Bigger than its usual dip. Not yet rare.
Synchrony Financial is 19.1% off its high — deeper than its 6.3% average pullback, but it has been through 68 drawdowns before. Not historically significant yet — we'll say so if that changes.
Elevated
Current Drawdown
-19.1%
Days in Drawdown
183
Avg Max Drawdown
6.3%
Avg Length
59
Drawdown Severity Score™
3.5
SYF - Price & High Water Mark
SYF - Drawdown Timeline
How to read this chart: Negative values indicate drawdowns from all-time highs. Values closer to 0% mean the stock is near its high water mark.
Valuation vs Its Own History
Data as of June 28, 2026 · updated daily
Where today's valuation sits within SYF's own multi-year range. A lower percentile means today's ratio is lower than more of its past readings. This is context, not a recommendation.
Price to Sales
12 years of daily history
EV to EBITDA
12 years of daily history
Synchrony Financial (SYF) Analysis: Current Drawdown Insights
Synchrony Financial is currently in a drawdown that is unusual by its own historical standards. As of 2026-07-09, the stock is trading at $71.57, which represents a 19.1% decline from its all-time high of $88.47. This drawdown has persisted for 183 days.
Based on its full tracked price history, Synchrony Financial typically experiences drawdowns averaging 6.3% in depth, with an average duration of 59 days. Synchrony Financial has gone through 68 total drawdown events in its tracked history. The largest drawdown on record for Synchrony Financial was 66.4%, beginning in 2018. The longest drawdown duration on record was 1081 days.
The Drawdown Severity Score™ for Synchrony Financial currently stands at 3.51. This is our proprietary indicator that shows the relative severity of the current drawdown based on the asset's unique historical patterns. A score between 3.0 and 5.0 indicates an elevated drawdown that's larger than this asset's historical averages.
Understanding Drawdowns: A drawdown measures how far a stock has fallen from its peak price. Every stock experiences drawdowns: periods when the price declines from all-time highs before recovering. By analyzing Synchrony Financial's historical drawdown patterns, investors can identify when the stock is experiencing a typical market fluctuation versus an unusual decline that is rare by that stock's own historical standards.
📜 Historical Drawdown Events
Current drawdown shown in blue. Showing the most recent and the deepest of 68 tracked pullbacks (54 listed).
| Start Date | End Date | Duration | Max Depth | Start Price | Lowest Price | Recovery Price |
|---|---|---|---|---|---|---|
| 2026-01-07 | Ongoing | 183 days | -19.1% | $88.47 | $71.57 | n/a |
| 2025-12-26 | 2026-01-05 | 11 days | -3.1% | $86.06 | $83.43 | $86.74 |
| 2025-12-23 | 2025-12-24 | 1 day | -0.3% | $85.85 | $85.57 | $86.06 |
| 2025-12-12 | 2025-12-22 | 11 days | -2.9% | $85.66 | $83.21 | $85.85 |
| 2025-12-08 | 2025-12-09 | 2 days | -0.7% | $80.36 | $79.78 | $81.01 |
| 2025-09-05 | 2025-11-26 | 83 days | -11.5% | $76.55 | $67.74 | $76.95 |
| 2025-08-29 | 2025-09-04 | 7 days | -1.4% | $76.27 | $75.18 | $76.55 |
| 2025-08-15 | 2025-08-22 | 8 days | -2.2% | $72.53 | $70.94 | $72.90 |
| 2025-07-28 | 2025-08-13 | 17 days | -7.4% | $72.29 | $66.96 | $72.29 |
| 2025-07-24 | 2025-07-25 | 2 days | -0.4% | $71.47 | $71.21 | $72.29 |
| 2025-07-11 | 2025-07-23 | 13 days | -3.6% | $70.54 | $67.98 | $71.47 |
| 2025-07-07 | 2025-07-09 | 3 days | -1.2% | $69.57 | $68.71 | $69.57 |
| 2025-01-27 | 2025-07-03 | 157 days | -37.7% | $69.40 | $43.20 | $69.57 |
| 2025-01-23 | 2025-01-24 | 2 days | -0.1% | $69.26 | $69.21 | $69.40 |
| 2024-12-17 | 2025-01-17 | 32 days | -7.2% | $67.35 | $62.48 | $67.55 |
| 2024-12-13 | 2024-12-16 | 4 days | -0.7% | $67.33 | $66.87 | $67.35 |
| 2024-12-10 | 2024-12-11 | 2 days | -1.6% | $66.74 | $65.70 | $67.33 |
| 2024-12-02 | 2024-12-06 | 5 days | -1.0% | $66.34 | $65.65 | $66.73 |
| 2024-11-07 | 2024-11-29 | 23 days | -5.7% | $66.33 | $62.54 | $66.34 |
| 2024-10-29 | 2024-11-05 | 8 days | -2.9% | $55.55 | $53.93 | $55.83 |
| 2024-10-18 | 2024-10-28 | 11 days | -3.0% | $55.46 | $53.79 | $55.55 |
| 2024-10-15 | 2024-10-16 | 2 days | -0.7% | $52.51 | $52.12 | $55.28 |
| 2024-10-10 | 2024-10-11 | 2 days | -0.8% | $50.86 | $50.45 | $51.99 |
| 2024-07-18 | 2024-10-09 | 84 days | -15.7% | $50.79 | $42.81 | $50.86 |
| 2021-10-20 | 2024-07-11 | 996 days | -46.7% | $47.44 | $25.31 | $47.72 |
| 2021-08-30 | 2021-10-19 | 51 days | -12.1% | $47.06 | $41.38 | $47.44 |
| 2021-08-16 | 2021-08-27 | 12 days | -5.4% | $46.94 | $44.40 | $47.06 |
| 2021-06-09 | 2021-08-11 | 64 days | -11.8% | $45.81 | $40.40 | $46.39 |
| 2021-06-04 | 2021-06-07 | 4 days | -0.1% | $44.96 | $44.90 | $45.50 |
| 2021-05-28 | 2021-06-01 | 5 days | -0.6% | $43.02 | $42.76 | $44.16 |
| 2021-05-18 | 2021-05-27 | 10 days | -2.5% | $42.31 | $41.27 | $43.02 |
| 2021-05-11 | 2021-05-14 | 4 days | -4.1% | $41.50 | $39.80 | $42.21 |
| 2021-04-30 | 2021-05-04 | 5 days | -1.2% | $39.88 | $39.39 | $40.21 |
| 2021-04-13 | 2021-04-29 | 17 days | -8.3% | $38.72 | $35.51 | $39.88 |
| 2021-03-18 | 2021-04-12 | 26 days | -10.1% | $38.71 | $34.82 | $38.72 |
| 2021-03-16 | 2021-03-17 | 2 days | -1.4% | $38.43 | $37.87 | $38.71 |
| 2021-03-09 | 2021-03-10 | 2 days | -1.2% | $36.47 | $36.05 | $37.34 |
| 2021-02-25 | 2021-03-08 | 12 days | -3.8% | $36.09 | $34.71 | $36.47 |
| 2021-01-21 | 2021-02-24 | 35 days | -15.7% | $35.60 | $30.01 | $36.09 |
| 2021-01-15 | 2021-01-19 | 5 days | -0.4% | $34.70 | $34.58 | $35.41 |
| 2018-01-29 | 2021-01-13 | 1081 days | -66.4% | $32.96 | $11.09 | $33.37 |
| 2018-01-24 | 2018-01-26 | 3 days | -0.5% | $32.61 | $32.45 | $32.96 |
| 2018-01-12 | 2018-01-23 | 12 days | -6.2% | $32.59 | $30.58 | $32.61 |
| 2018-01-08 | 2018-01-11 | 4 days | -1.2% | $32.58 | $32.18 | $32.59 |
| 2017-12-29 | 2018-01-03 | 6 days | -0.9% | $31.95 | $31.65 | $32.07 |
| 2017-12-26 | 2017-12-28 | 3 days | -0.4% | $31.78 | $31.64 | $31.95 |
| 2017-12-19 | 2017-12-21 | 3 days | -1.4% | $31.57 | $31.12 | $31.64 |
| 2017-12-12 | 2017-12-18 | 7 days | -2.5% | $30.81 | $30.04 | $31.57 |
| 2017-12-05 | 2017-12-08 | 4 days | -0.4% | $30.70 | $30.58 | $30.74 |
| 2017-01-05 | 2017-12-04 | 334 days | -29.6% | $30.55 | $21.52 | $30.70 |
| 2016-12-21 | 2017-01-04 | 15 days | -3.1% | $30.01 | $29.07 | $30.55 |
| 2015-07-21 | 2016-12-06 | 505 days | -35.1% | $28.72 | $18.64 | $28.72 |
| 2015-02-13 | 2015-07-14 | 151 days | -11.5% | $26.82 | $23.75 | $26.95 |
| 2014-12-29 | 2015-01-23 | 26 days | -6.5% | $24.34 | $22.76 | $24.71 |
| 2014-09-04 | 2014-10-23 | 50 days | -6.4% | $20.58 | $19.27 | $20.60 |
How to read: Each row shows a complete drawdown from peak to recovery. Red rows = most severe drawdowns (worst 20% or 5x+ average), yellow rows = moderate (2x-5x worse than average).
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Or explore current drawdowns:
Synchrony Financial (SYF) is trading at $71.57 as of Jul 9, 2026. It is 19.1% below its high of $88.47. The drawdown has lasted 183 days. Severity score: 3.5 (Elevated).
SYF Price History and Drawdown Data
Latest price
$71.57
High-water mark
$88.47
Current drawdown
-19.1%
Days in drawdown
183
This SYF page is built around daily price history, the latest high-water mark, current drawdown depth, drawdown duration, and comparable historical drawdown events. The chart above provides the price-history context, while the sections below explain how the current move compares with prior Synchrony Financial drawdowns.
What History Says About SYF
Synchrony Financial has dropped 15%+ from its high 7 times in its tracked history. These events lasted an average of 456 days with an average max drop of -35.3%.
The current drawdown of -19.1% has lasted 183 days, which is within the typical range for comparable events.
| Period | Max Drop | Duration |
|---|---|---|
| Jan 2018 to Jan 2021 | -66.4% | 1081 days |
| Oct 2021 to Jul 2024 | -46.7% | 996 days |
| Jan 2025 to Jul 2025 | -37.7% | 157 days |
| Jul 2015 to Dec 2016 | -35.1% | 505 days |
| Jan 2017 to Dec 2017 | -29.6% | 334 days |
| Jul 2024 to Oct 2024 | -15.7% | 84 days |
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