Synchrony Financial (SYF)
S&P 500 · Financials · data since 2014-07-31 · last close 2026-10-26
Synchrony Financial (SYF) monthly returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -12.9 | -4.5 | -1.6 | 12.0 | -5.9 | 6.5 | -0.8 | 2.1 | -7.9 | 5.4 | · | · |
| 2025 | 6.1 | -11.7 | -12.8 | -1.9 | 11.6 | 15.8 | 4.4 | 10.1 | -6.9 | 4.7 | 4.4 | 7.8 |
| 2024 | 1.8 | 6.9 | 4.4 | 2.0 | 0.1 | 7.7 | 7.6 | -0.5 | -0.8 | 10.6 | 23.0 | -3.7 |
| 2023 | 11.8 | -2.2 | -18.6 | 1.5 | 5.7 | 9.6 | 2.6 | -6.5 | -5.3 | -7.4 | 15.4 | 18.0 |
| 2022 | -8.2 | 0.9 | -18.6 | 6.4 | 0.6 | -25.4 | 22.1 | -2.2 | -13.9 | 26.9 | 5.7 | -12.6 |
| 2021 | -3.0 | 15.7 | 5.1 | 8.1 | 8.4 | 2.3 | -2.6 | 5.8 | -1.8 | -4.5 | -3.6 | 3.6 |
| 2020 | -10.0 | -9.6 | -44.7 | 23.0 | 4.1 | 8.8 | 0.8 | 12.1 | 5.5 | -3.6 | 21.8 | 13.9 |
| 2019 | 28.1 | 9.3 | -2.2 | 8.7 | -2.4 | 3.1 | 3.5 | -10.1 | 6.4 | 3.8 | 6.4 | -3.7 |
| 2018 | 2.8 | -7.9 | -7.9 | -1.1 | 4.9 | -3.6 | -13.3 | 10.2 | -1.9 | -7.1 | -9.4 | -9.7 |
| 2017 | -1.2 | 1.5 | -5.3 | -18.9 | -3.0 | 11.1 | 1.7 | 2.1 | 0.8 | 5.1 | 10.5 | 7.6 |
| 2016 | -6.5 | -5.2 | 6.3 | 6.7 | 2.1 | -19.0 | 10.3 | 0.3 | 0.6 | 2.1 | 21.4 | 5.0 |
| 2015 | 3.7 | 3.5 | -5.0 | 2.6 | 3.7 | 2.0 | 4.3 | -4.1 | -5.0 | -1.7 | 3.5 | -4.5 |
| 2014 | · | · | · | · | · | · | 0.0 | 12.1 | -4.8 | 10.1 | 7.4 | 2.5 |
| Avg | 1.0 | -0.3 | -8.4 | 4.1 | 2.5 | 1.6 | 3.1 | 2.4 | -2.7 | 3.2 | 8.9 | 2.0 |
| Median | 0.3 | -0.6 | -5.2 | 4.5 | 2.9 | 4.8 | 2.6 | 2.1 | -1.9 | 2.9 | 6.9 | 3.1 |
October so far: +5.4% against an average of +3.2% and a median of +2.9% across 12 completed Octobers, 7 of them positive.
Values in %. Current and first-listed months are partial (greyed) and are left out of the Avg and Median rows.
returnsview.com
SYF seasonality — average by calendar month
Synchrony Financial has monthly history back to 2014. Its strongest month by median is November — positive in 10 of 12 years, median +6.9%, and higher in 7 of the last 9. March is the soft spot, down in 9 of 12 with a median of -5.2%. Across its full record it has closed 60% of months higher, swings ±10% in an average month and has fallen 66.4% peak to trough.
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avg | +1.0% | -0.3% | -8.4% | +4.1% | +2.5% | +1.6% | +3.1% | +2.4% | -2.7% | +3.2% | +8.9% | +2.0% |
| Win rate | 50%/12 | 50%/12 | 25%/12 | 75%/12 | 75%/12 | 75%/12 | 69%/13 | 62%/13 | 31%/13 | 58%/12 | 83%/12 | 58%/12 |
Win rate = share of positive months / sample size.
SYF risk & extremes
SYF drawdown & rolling returns
Percent below the all-time high at each month-end — how far underwater the asset was.
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Frequently asked questions
What was Synchrony Financial's best month?+
Synchrony Financial's strongest completed month on record is January 2019, at +28.05%.
What was Synchrony Financial's worst month?+
Its weakest completed month on record is March 2020, at -44.71%.
Is Synchrony Financial up this year?+
Synchrony Financial is down 9.58% year to date, measured from its last close before 1 January.
What is Synchrony Financial's 1-year return?+
+1.22% over the past twelve months, comparing the latest close with the most recent close on or before the same date a year earlier.
What is Synchrony Financial's biggest drawdown?+
The deepest peak-to-trough fall on record is 66.4%, measured on month-end closes since 2014.
Which calendar month is historically best for Synchrony Financial?+
November has the highest average return across every completed November since 2014. An average is not a forecast.
About Synchrony Financial
Synchrony Financial is an S&P 500 company, a financials business worth about $24 billion. It has survived more market cycles than most coins have months — with price receipts on this site going back to 2014. And the long game: $100 at its first close here (2014) would be about $390 today.
Did you know?
- Its best month on record was January 2019 at +28.05%; its worst, March 2020 at -44.71%.
- It has closed November in the green 10 out of 12 times — not a promise, just a suspicious habit.
Trivia for entertainment — the numbers come from our price data; the jokes don't.