US.SYF · Synchrony Financial

{
  "risk": {
    "level": "Medium",
    "reason": "risk management score >= 6.5/10",
    "position": {
      "score": 1.6,
      "details": {
        "atrPct": 2.287967670447139,
        "turnoverUsdM": 321.23010560999995,
        "liquidityPoints": 0.6,
        "volatilityPoints": 1
      }
    },
    "rrPoints": 1.4,
    "stopLevels": {
      "symbol": "US.SYF",
      "rr_range": "1:1.0-1:2.5",
      "risk_profile": "中等",
      "stop_loss_price": 73.1998,
      "strength_details": {
        "ma_score": 1.5,
        "atr_score": 2,
        "rsi_score": 2,
        "macd_score": 1.5,
        "volume_score": 2
      },
      "market_adjustment": 1,
      "risk_reward_ratio": 1.1,
      "stop_loss_percent": 4.6,
      "take_profit_price": 80.656,
      "target_multiplier": 1.9,
      "technical_strength": 1.78,
      "take_profit_percent": 5.1
    },
    "positionPoints": 1.6,
    "stopLossPoints": 2.4,
    "diversification": {
      "score": 2,
      "details": {
        "method": "sector concentration proxy; no portfolio holdings used",
        "sector": "Financials",
        "concentratedSectorPenalty": 0
      }
    },
    "riskRewardRatio": 1.2,
    "stopLossPercent": 4.575935340894278,
    "diversificationPoints": 2
  },
  "total": {
    "max": 160,
    "result": 59.3,
    "formula": "score_with_momentum_v2 = main_score + momentum_5d_v2_score",
    "baseScore": 51.3,
    "modelVersion": "cursor_18_27_news_v2_160",
    "momentum5dScore": 8
  },
  "market": {
    "ma20": 78.075,
    "ma50": 75.8332,
    "close": 76.71,
    "prevClose": 79.62,
    "avgVolume20": 3157395,
    "volumeRatio": 1.33,
    "changePercent": -3.65
  },
  "sources": {
    "catalyst": "finnhub_news_keyword_model",
    "sentiment": "finnhub_news_keyword_model",
    "fundamentals": "fmp_stable",
    "institutional": null,
    "marketContext": "twelvedata+fred"
  },
  "barCount": 60,
  "momentum": {
    "max": 50,
    "result": 8,
    "details": {
      "ret_5d": -0.04208294100691956,
      "max_score": 50,
      "max_total": 50,
      "raw_total": 8,
      "vcp_bonus": 0,
      "vol_ratio": 1.337691904704101,
      "ret_points": 0,
      "vol_points": 4,
      "range_ratio": 2.0766901994337434,
      "volat_points": 4,
      "day_range_pct": 0.046734454438795384,
      "model_version": "cursor_18_27_news_v2_160",
      "available_bars": 30,
      "breakout_points": 0,
      "partial_history": false,
      "pullback_points": 0,
      "breakout_vol_bonus": 0,
      "first_breakout_20d": false,
      "return_window_days": 5,
      "first_breakout_bonus": 0,
      "breakout_quality_points": 0
    },
    "formula": "Cursor_18.25 5D momentum v2 0-50",
    "modelVersion": "cursor_18_27_news_v2_160"
  },
  "scoreMax": 110,
  "composite": {
    "max": 160,
    "result": 59.3,
    "formula": "Cursor_18.25 ranking score v2 (score_with_momentum_v2)",
    "weights": [
      {
        "raw": 3.8,
        "label": "基本面",
        "weight": "5/110",
        "normalized": 76,
        "contribution": 3.8
      },
      {
        "raw": 8.4,
        "label": "資金流",
        "weight": "20/110",
        "normalized": 42,
        "contribution": 8.4
      },
      {
        "raw": 7.6,
        "label": "市場環境",
        "weight": "15/110",
        "normalized": 50.67,
        "contribution": 7.6
      },
      {
        "raw": 2,
        "label": "催化劑",
        "weight": "20/110",
        "normalized": 10,
        "contribution": 2
      },
      {
        "raw": 7.4,
        "label": "風險管理",
        "weight": "10/110",
        "normalized": 74,
        "contribution": 7.4
      },
      {
        "raw": 18.1,
        "label": "技術信號",
        "weight": "30/110",
        "normalized": 60.33,
        "contribution": 18.1
      },
      {
        "raw": 4,
        "label": "情緒分析",
        "weight": "10/110",
        "normalized": 40,
        "contribution": 4
      }
    ],
    "modelVersion": "cursor_18_27_news_v2_160"
  },
  "momentumMax": 50,
  "scoreStatus": "incomplete",
  "standard110": {
    "rating": "避免",
    "result": 51.3,
    "details": [
      "基本面分析總分: 3.8/5分",
      "資金流分析總分: 8.4/20分",
      "市場環境分析總分: 7.6/15分",
      "催化劑分析: 2/20分",
      "風險管理總分: 7.4/10分",
      "技術信號分析總分: 18.1/30分",
      "情緒分析: 4/10分",
      "共振率(僅顯示不加分): 0%"
    ],
    "formula": "基本面5 + 資金流20 + 市場環境15 + 催化劑20 + 風險管理10 + 技術信號30 + 情緒10",
    "dimensionScores": {
      "催化劑": 2,
      "基本面": 3.8,
      "資金流": 8.4,
      "市場環境": 7.6,
      "情緒分析": 4,
      "技術信號": 18.1,
      "風險管理": 7.4
    },
    "dimensionDetails": {
      "催化劑": {
        "max": 20,
        "grade": "較差",
        "items": {
          "catalyst": {
            "score": 2,
            "details": {
              "source": "finnhub_news_keyword_model",
              "articleCount": 8,
              "catalystCount": 0
            }
          },
          "catalystPoints": 2
        }
      },
      "基本面": {
        "max": 5,
        "grade": "良好",
        "items": {
          "pbPoints": 0.5,
          "pePoints": 0.3,
          "epsPoints": 0,
          "roePoints": 0.75,
          "debtPoints": 0.5,
          "marginPoints": 0.4,
          "turnoverUsdM": 321.23010560999995,
          "volumePoints": 0.5,
          "revenuePoints": 0,
          "dividendPoints": 0.3,
          "marketCapPoints": 0.5
        },
        "source": "fmp_stable"
      },
      "資金流": {
        "max": 20,
        "grade": "較差",
        "items": {
          "cmfPoints": 1.6,
          "mfiPoints": 3.2,
          "obvPoints": 0.8,
          "vwapPoints": 0.8,
          "institutional": {
            "score": 2,
            "details": {
              "source": "optional-neutral",
              "warning": {
                "code": "INSTITUTIONAL_DATA_OPTIONAL",
                "symbol": "US.SYF",
                "message": "Institutional ownership is unavailable; neutral 2/4 money-flow treatment used."
              },
              "optional": true,
              "holderCount": null,
              "holderPoints": 2,
              "top10ShareRatio": null,
              "concentrationPenalty": 0
            }
          },
          "institutionPoints": 2
        }
      },
      "市場環境": {
        "max": 15,
        "grade": "較差",
        "items": {
          "vix": {
            "score": 0,
            "details": {
              "source": "twelvedata+fred",
              "missing": true,
              "vixClose": null
            }
          },
          "trend": {
            "score": 3,
            "details": {
              "qqq": {
                "ma20": 707.7280003500002,
                "ma50": 713.0466018399998,
                "name": "QQQ",
                "close": 710.92999,
                "points": 1
              },
              "spy": {
                "ma20": 760.98750315,
                "ma50": 750.9438048,
                "name": "SPY",
                "close": 762.59998,
                "points": 2
              },
              "source": "twelvedata+fred"
            }
          },
          "atrPct": 2.287967670447139,
          "atrPoints": 3,
          "cciPoints": 1.6,
          "vixPoints": 0,
          "marketTrendPoints": 3
        }
      },
      "情緒分析": {
        "max": 10,
        "grade": "較差",
        "items": {
          "sentiment": {
            "score": 4,
            "details": {
              "source": "finnhub_news_keyword_model",
              "articleCount": 8,
              "negativeHits": 0,
              "positiveHits": 3,
              "sentimentScoreRaw": 0.9
            }
          },
          "sentimentData": {
            "raw": [
              {
                "id": 141205721,
                "url": "https://finnhub.io/api/news?id=b1f38327f05e4494e6cd7370d9e5c07381560cbdff6fab8770f5f256c1772189",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial's record purchase volume and rising card spending could lift loan receivables and earnings in the second half of 2026.",
                "category": "company",
                "datetime": 1786625340,
                "headline": "Can SYF Turn Record Purchase Volume Into Stronger Earnings?"
              },
              {
                "id": 141148365,
                "url": "https://finnhub.io/api/news?id=648221fd15cabaf1660a656e874ae21f426a12a36f23c72134d1ca019e3f5c71",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "In late July and early August 2026, Synchrony Financial announced and then completed US$1.10 billion of callable, senior unsecured fixed-to-floating rate notes and integrated its CareCredit financing into Stripe’s platform for U.S. health and wellness providers’ online checkouts. This combination of fresh funding and embedded CareCredit access for over 12 million cardholders on Stripe could meaningfully deepen Synchrony’s presence in health and wellness financing while simplifying operations...",
                "category": "company",
                "datetime": 1786112183,
                "headline": "Embedding CareCredit into Stripe’s Platform Could Be A Game Changer For Synchrony Financial (SYF)"
              },
              {
                "id": 141146392,
                "url": "https://finnhub.io/api/news?id=8c41e8487672ae9f719532264c15fcfef52c93bd5716ea9c0d871c97a0d76b30",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) just announced a new integration with Stripe that brings CareCredit financing directly into Stripe checkouts for health and wellness providers. This move puts financing options closer to where patients actually pay. See our latest analysis for Synchrony Financial. Synchrony Financial's latest Stripe partnership comes after an active few weeks that included multiple fixed income offerings in late July, while the stock trades at US$78.67 with a 30 day share price...",
                "category": "company",
                "datetime": 1786101311,
                "headline": "Is Synchrony Financial (SYF) A Bargain As Its Stripe CareCredit Checkout Deal Expands Reach?"
              },
              {
                "id": 141005398,
                "url": "https://finnhub.io/api/news?id=01ccb2442fe0f80fef54db50e3e5fe89605184487141482c844ab60767dc8cf0",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Consumer finance stocks face a mixed environment. While consumer spending remains healthy despite higher energy prices due to inflation and growth concerns arising from the Middle East conflict, investors are navigating the growth and profitability of credit services stocks. Amid this, Synchrony Financial (NYSE:SYF), Ally Financial Inc. (NYSE:ALLY), and Capital One Financial Corporation (NYSE:COF) released […]",
                "category": "company",
                "datetime": 1784896597,
                "headline": "SYF vs. ALLY vs. COF: Which Consumer Finance Stock Is the Best Buy After Earnings?"
              },
              {
                "id": 140980372,
                "url": "https://finnhub.io/api/news?id=37c50f850dbbc2d306de270c9f37a3cdeeb9d23aaf2a4402d4a74fa641a3f6f8",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) has just combined a fresh earnings outlook with its latest quarterly report, giving investors new data on profitability, credit trends and capital returns to weigh against the recent stock performance. See our latest analysis for Synchrony Financial. Despite the stronger guidance and active buybacks, Synchrony Financial's recent share price performance has cooled. The stock is down 4.05% on a 30 day share price return and 14.70% year to date, while the 3 year total...",
                "category": "company",
                "datetime": 1784711450,
                "headline": "Is Synchrony Financial (SYF) Cheap As Stronger Guidance Meets A Weaker Share Price?"
              },
              {
                "id": 140975077,
                "url": "https://finnhub.io/api/news?id=805f84aba0d2efaf496a78afed2a8482229afaeaa48562f9c4bd1830a3b6aace",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) reports robust consumer engagement and strategic partnerships, while navigating increased credit provisions and operational costs.",
                "category": "company",
                "datetime": 1784660444,
                "headline": "Synchrony Financial (SYF) Q2 2026 Earnings Call Highlights: Record Purchase Volume and ..."
              },
              {
                "id": 140972002,
                "url": "https://finnhub.io/api/news?id=6be65ec7543d2166c0a83ac94007d4e7840acfa8ac03d62ac4298c7867c7aec7",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.",
                "category": "company",
                "datetime": 1784640603,
                "headline": "Synchrony (SYF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates"
              },
              {
                "id": 140972749,
                "url": "https://finnhub.io/api/news?id=1a9d7e9faee9c16dafe368c767def06ecdd9b77a8b2b5baf60196dffc6e2d9a2",
                "image": "https://static.seekingalpha.com/assets/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) Q2 2026 Earnings Call July 21, 2026 8:00 AM EDTCompany ParticipantsKathryn Miller - Senior Vice President & Director of...",
                "category": "company",
                "datetime": 1784639645,
                "headline": "Synchrony Financial (SYF) Q2 2026 Earnings Call Transcript"
              }
            ],
            "raw_source": [
              {
                "id": 141261787,
                "url": "https://finnhub.io/api/news?id=ef70edb58f9fe1b11a1770035da318102536f2c67402e358f9a9b937fd482e0a",
                "image": "https://www.chartmill.com/images/uploads/CM_Gap_Stocks_Small_free_ad767b11cf.webp",
                "source": "ChartMill",
                "related": "SYF",
                "summary": "Wondering which stocks are making significant price gaps? Explore the S&P500 index on Thursday to find the gap up and gap down stocks in today's session.",
                "category": "company",
                "datetime": 1787236501,
                "headline": "What's going on in today's session: S&P500 gap up and gap down stocks"
              },
              {
                "id": 141239195,
                "url": "https://finnhub.io/api/news?id=142c0afb82513ccb728786b5daf590000da16851fd9230b911f5a6931c3ca87e",
                "image": "https://image.cnbcfm.com/api/v1/image/108350426-17869811371786981135-47824028916-1080pnbcnews.jpg?v=1786981136&w=1920&h=1080",
                "source": "CNBC",
                "related": "SYF",
                "summary": "Synchrony Financial is partnering with OpenAI to allow shoppers buy products directly inside ChatGPT using store-branded cards.",
                "category": "company",
                "datetime": 1786966801,
                "headline": "Credit card issuer Synchrony partners with OpenAI for ChatGPT shopping"
              },
              {
                "id": 141247003,
                "url": "https://finnhub.io/api/news?id=22a842cf07ae0bd7d92d09ad0ff1ecf921aa3ab4b8c9f6cf370a5192b58c1d90",
                "image": "https://image.cnbcfm.com/api/v1/image/107042612-1649246677211-gettyimages-1231376216-IGOR7303.jpeg?v=1667827064&w=1920&h=1080",
                "source": "CNBC",
                "related": "SYF",
                "summary": "The collaboration, which is in its early stages, is a step toward enabling Synchrony customers to have smoother online shopping experiences.",
                "category": "company",
                "datetime": 1786964588,
                "headline": "Credit card issuer Synchrony announces partnership with OpenAI"
              },
              {
                "id": 141239196,
                "url": "https://finnhub.io/api/news?id=353d62d16fd52a3ac652a07b2518233f28c9362a5381977a867669cd7a2ce7ca",
                "image": "https://image.cnbcfm.com/api/v1/image/108299063-1777468291796-gettyimages-2267404607-avdmar26lot4a.jpeg?v=1781652733&w=1920&h=1080",
                "source": "CNBC",
                "related": "SYF",
                "summary": "Maran Nalluswami, Synchrony's chief strategy officer, told CNBC it will probably take six to 12 months to get payments fully integrated into ChatGPT.",
                "category": "company",
                "datetime": 1786964588,
                "headline": "Synchrony, credit card issuer to Amazon and Walmart, partners with OpenAI for ChatGPT shopping"
              },
              {
                "id": 141238587,
                "url": "https://finnhub.io/api/news?id=8d6c96f6a73dd3a699bc86891a978665d6100c0dc3a7dd67ec7379425a7ccdcc",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Synchrony (NYSE: SYF), a premier consumer financial services company, today announced an enterprise collaboration with OpenAI to strengthen Synchrony's positioning at the center of AI's next chapter in shopping",
                "category": "company",
                "datetime": 1786964514,
                "headline": "Synchrony Partners With OpenAI To Enhance Its Services In Shopping, Payments"
              },
              {
                "id": 141211049,
                "url": "https://finnhub.io/api/news?id=f0c3ebfc1ed96bff4d095099a1e4bad88d62ecdb049294bdf231675c51853061",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony (NYSE: SYF), a premier consumer financial services company, announced the appointment of Nimrod Barak as Chief AI Officer effective June 30, 2026. Barak will spearhead Synchrony's enterprise AI strategy and execution, accelerating innovation across the business to elevate consumer experiences, unlock new value for partners, and fuel growth.",
                "category": "company",
                "datetime": 1786657560,
                "headline": "Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation"
              },
              {
                "id": 141206480,
                "url": "https://finnhub.io/api/news?id=665a818bd51b35bfdd0d8f6581ef700c4d80e9b4b40724610d4e95c6ca122c44",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "The S&P 500 (^GSPC) is home to the biggest and most well-known companies in the market, making it a go-to index for investors seeking stability. But not all large-cap stocks are created equal - some are struggling with slowing growth, declining margins, or increased competition.",
                "category": "company",
                "datetime": 1786629900,
                "headline": "2 S&P 500 Stocks with Exciting Potential and 1 We Ignore"
              },
              {
                "id": 141206757,
                "url": "https://finnhub.io/api/news?id=c9daa3e4640c1d1fa13a364a3c5921cdc05810efcac12bc5fe5ad4ea1a585779",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Americans increasingly value prevention, mobility and drug-free approaches to staying healthy, yet new national research commissioned by CareCredit, a health and wellness financial solution from Synchrony (NYSE: SYF), reveals many still overlook how chiropractic care may support those goals.",
                "category": "company",
                "datetime": 1786626000,
                "headline": "New CareCredit Research Finds Americans Want to Stay Active and Age Well, but Many Overlook Chiropractic Care"
              },
              {
                "id": 141205721,
                "url": "https://finnhub.io/api/news?id=b1f38327f05e4494e6cd7370d9e5c07381560cbdff6fab8770f5f256c1772189",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial's record purchase volume and rising card spending could lift loan receivables and earnings in the second half of 2026.",
                "category": "company",
                "datetime": 1786625340,
                "headline": "Can SYF Turn Record Purchase Volume Into Stronger Earnings?"
              },
              {
                "id": 141202448,
                "url": "https://finnhub.io/api/news?id=f49a344b4c652f9810d296f54b507af5199323a242c7fae962f1e99baf2c7764",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "In today’s market, large companies dominate the landscape and grow their leads by acquiring smaller competitors - a trend that will accelerate with the Trump administration. However, some mid-sized players will continue thriving because they’ve carved durable niches for themselves.",
                "category": "company",
                "datetime": 1786516162,
                "headline": "3 Mid-Cap Stocks with Solid Fundamentals"
              },
              {
                "id": 141201317,
                "url": "https://finnhub.io/api/news?id=b3bfffa4c45276ae195fdd662fb7619438d3b9d4ebb4c945a2ee1c3ce8fbb3cb",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Encore Capital's 16.3% three-month rise is backed by record collections, higher earnings expectations and a peer valuation discount, despite cost and leverage risks.",
                "category": "company",
                "datetime": 1786458240,
                "headline": "ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS"
              },
              {
                "id": 141176697,
                "url": "https://finnhub.io/api/news?id=3597ac1d7531521e62c9fde81e6a343221fc0e8383873ee88986a9989b6df1e0",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "PRAA's Q2 earnings beat estimates as stronger collections and portfolio income drive revenue growth despite higher expenses.",
                "category": "company",
                "datetime": 1786379640,
                "headline": "PRA Group Q2 Earnings Beat Estimates on Strong Portfolio Income"
              },
              {
                "id": 141152423,
                "url": "https://finnhub.io/api/news?id=af72a397d825898b459a1a054ad11e152f22a3d67f610472c2aab599efe41d41",
                "image": "https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1072593728/image_1072593728.jpg?io=getty-c-w1536",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Weekly dividend activity roundup for Dividend Champions, Contenders & Challengers—see dividend changes, upcoming ex-dividend dates and pay dates here.",
                "category": "company",
                "datetime": 1786125278,
                "headline": "Dividend Champion, Contender, And Challenger Highlights: Week Of August 9"
              },
              {
                "id": 141148365,
                "url": "https://finnhub.io/api/news?id=648221fd15cabaf1660a656e874ae21f426a12a36f23c72134d1ca019e3f5c71",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "In late July and early August 2026, Synchrony Financial announced and then completed US$1.10 billion of callable, senior unsecured fixed-to-floating rate notes and integrated its CareCredit financing into Stripe’s platform for U.S. health and wellness providers’ online checkouts. This combination of fresh funding and embedded CareCredit access for over 12 million cardholders on Stripe could meaningfully deepen Synchrony’s presence in health and wellness financing while simplifying operations...",
                "category": "company",
                "datetime": 1786112183,
                "headline": "Embedding CareCredit into Stripe’s Platform Could Be A Game Changer For Synchrony Financial (SYF)"
              },
              {
                "id": 141151216,
                "url": "https://finnhub.io/api/news?id=9b0100f2eaea23bdecafd2eb5c8ee0c9e261c164a69c901b5b65acc351d2a988",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial has lagged behind the broader market over the past year, and analysts remain slightly bullish about the stock’s prospects.",
                "category": "company",
                "datetime": 1786110610,
                "headline": "Do Wall Street Analysts Like Synchrony Financial Stock?"
              },
              {
                "id": 141146392,
                "url": "https://finnhub.io/api/news?id=8c41e8487672ae9f719532264c15fcfef52c93bd5716ea9c0d871c97a0d76b30",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) just announced a new integration with Stripe that brings CareCredit financing directly into Stripe checkouts for health and wellness providers. This move puts financing options closer to where patients actually pay. See our latest analysis for Synchrony Financial. Synchrony Financial's latest Stripe partnership comes after an active few weeks that included multiple fixed income offerings in late July, while the stock trades at US$78.67 with a 30 day share price...",
                "category": "company",
                "datetime": 1786101311,
                "headline": "Is Synchrony Financial (SYF) A Bargain As Its Stripe CareCredit Checkout Deal Expands Reach?"
              },
              {
                "id": 141146650,
                "url": "https://finnhub.io/api/news?id=5fb0ff441d6284d5052267e3a767cc4632d540ffd3934364517bb553157a4a7b",
                "image": "https://static.seekingalpha.com/cdn/s3/uploads/getty_images/898720848/image_898720848.jpg?io=getty-c-w1536",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Preferred stocks put you ahead of common shareholders when claiming dividends from the company's cash flows. Here are two to consider.",
                "category": "company",
                "datetime": 1786091400,
                "headline": "2 Preferred Stocks That Put You First In Line"
              },
              {
                "id": 141134287,
                "url": "https://finnhub.io/api/news?id=2d6f8bbcae96f4d0c37d0a3e86280c5cd85772459a2963c5faa65d1633a35deb",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony (NYSE: SYF), a premier consumer financial services company, today announced a new integration with Stripe, the programmable financial services company, making it easier for Synchrony and Stripe's health and wellness providers and retailers to offer CareCredit financing as part of their online checkout experience.",
                "category": "company",
                "datetime": 1786021200,
                "headline": "Synchrony's CareCredit Expands Access to Financing for Health & Wellness Providers with New Stripe Partnership"
              },
              {
                "id": 141110536,
                "url": "https://finnhub.io/api/news?id=4865a069f3fe73a4525348f0f66115c6854e38247ec25f8cf41e29062abd51ac",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "UBS  analyst Erika Najarian   maintains Synchrony Financial (NYSE:SYF) with a Neutral and raises the price target from $84 to $87.",
                "category": "company",
                "datetime": 1785776608,
                "headline": "UBS Maintains Neutral on Synchrony Financial, Raises Price Target to $87"
              },
              {
                "id": 139930067,
                "url": "https://finnhub.io/api/news?id=389014958e77d3bad731a6dfd6cec2f3b0eeeb55665ed0fc92884aacb079e037",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "",
                "category": "company",
                "datetime": 1785767823,
                "headline": "A Big Splash In The ESG Fixed Income Space"
              },
              {
                "id": 141099066,
                "url": "https://finnhub.io/api/news?id=b7b4375947338255feff2b59ee47127002944f6e328db61dec40e753e7dea64f",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Petco Health & Wellness Company, Inc. (Nasdaq: WOOF) today announced the appointment of Jeffrey Naylor, former Chief Financial Officer of TJX Companies, to its Board of Directors, effective August 1, 2026. In addition to his role on the Board, Mr. Naylor will serve as Chair of the company's Audit Committee.",
                "category": "company",
                "datetime": 1785758400,
                "headline": "Petco Appoints Jeffrey Naylor to Board of Directors"
              },
              {
                "id": 141084159,
                "url": "https://finnhub.io/api/news?id=b01254886ca04bb4ee2ca13216638f12f5b9bc0c9bbe991af37b4d7b45adc14c",
                "image": "https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1072593728/image_1072593728.jpg?io=getty-c-w1536",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Read now.",
                "category": "company",
                "datetime": 1785532692,
                "headline": "Dividend Champion, Contender, And Challenger Highlights: Week August 2"
              },
              {
                "id": 141081723,
                "url": "https://finnhub.io/api/news?id=f06e04afe5882b83d9f2650d9df3e26553515b588a47466737c7e9d584acc8e7",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Coinbase's Q2 results miss expectations as lower transaction and subscription revenues outweigh growth in institutional trading.",
                "category": "company",
                "datetime": 1785519540,
                "headline": "COIN Q2 Earnings & Revenues Miss on Lower Transaction Revenues"
              },
              {
                "id": 141080312,
                "url": "https://finnhub.io/api/news?id=d2f0c9aae0a6f8497e236e30eaf15cf30c676cab9bbd3950531a478f06cfa711",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "GPN's Q2 revenues may surge due to the Worldpay deal, but rising costs and a lower EBITDA margin could pressure profits. Here's what to watch in its Aug. 5 results.",
                "category": "company",
                "datetime": 1785511140,
                "headline": "Will Rising Costs Overshadow Global Payments' Q2 Earnings?"
              },
              {
                "id": 141076534,
                "url": "https://finnhub.io/api/news?id=f34f52cc80c07b4573bfad408c16d0e939654a9a2459cd7aa038e56e22e3d95f",
                "image": "https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1190446695/image_1190446695.jpg?io=getty-c-w1536",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Synchrony Financial is upgraded to \"Strong Buy\" thanks to strong earnings, stable credit, and its current valuation. Learn more on SYF stock here.",
                "category": "company",
                "datetime": 1785475800,
                "headline": "Synchrony Financial: Powerful Buyback And Stable Credit Create Opportunity (Upgrade)"
              },
              {
                "id": 141068297,
                "url": "https://finnhub.io/api/news?id=fe21df681600a8b56a967a8db53a52c6b5d2f9b53085e30d386e12e215169d0e",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "FIS heads into Q2 earnings with Banking Solutions expected to drive growth as the Issuer Solutions acquisition boosts results.",
                "category": "company",
                "datetime": 1785425040,
                "headline": "Banking Solutions Offer Hope for Fidelity National's Q2 Results"
              },
              {
                "id": 141064736,
                "url": "https://finnhub.io/api/news?id=64568faf81db71770c4972f680be256a9e650f16e4ab8cd1a7aa513d67464695",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Summer spending is heating up, but consumers are keeping their cool by planning ahead and leaning into financing flexibility. Synchrony (NYSE: SYF), a leading consumer financing company, today released new insights from its latest In Sync with Consumers survey, showing flexible payment options are helping people participate in summer activities and experiences while keeping budgets on track.",
                "category": "company",
                "datetime": 1785412800,
                "headline": "Summer Is On! Flexible Payments Help Consumers Keep It That Way"
              },
              {
                "id": 141045231,
                "url": "https://finnhub.io/api/news?id=fad9d28e9d99f41187bcd7c60ad77845e35aa2cf7a6e07afa7d7b9c4be9f6736",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "WU faces a Q2 revenue decline, but growing Consumer Services and lower expenses could help support earnings despite pressure in money transfers.",
                "category": "company",
                "datetime": 1785253620,
                "headline": "Can Consumer Services Cushion Western Union's Q2 Revenue Drop?"
              },
              {
                "id": 141047730,
                "url": "https://finnhub.io/api/news?id=6dcafaf9fa873d780124ac927ecfbc885106bed6fc18d75ad77513d5ea47b68d",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Evercore ISI Group  analyst John Pancari   maintains Synchrony Financial (NYSE:SYF) with a Outperform and lowers the price target from $90 to $86.",
                "category": "company",
                "datetime": 1785234720,
                "headline": "Evercore ISI Group Maintains Outperform on Synchrony Financial, Lowers Price Target to $86"
              },
              {
                "id": 141009522,
                "url": "https://finnhub.io/api/news?id=09609b70aa6f42570af0a6e22d759bd5686a7ffe913de5d26af28f869e1ac41b",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Bread Financial's Q2 benefited from higher credit sales, loan growth and improved credit quality, driving earnings and revenue above estimates.",
                "category": "company",
                "datetime": 1784914680,
                "headline": "BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y"
              },
              {
                "id": 141005398,
                "url": "https://finnhub.io/api/news?id=01ccb2442fe0f80fef54db50e3e5fe89605184487141482c844ab60767dc8cf0",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Consumer finance stocks face a mixed environment. While consumer spending remains healthy despite higher energy prices due to inflation and growth concerns arising from the Middle East conflict, investors are navigating the growth and profitability of credit services stocks. Amid this, Synchrony Financial (NYSE:SYF), Ally Financial Inc. (NYSE:ALLY), and Capital One Financial Corporation (NYSE:COF) released […]",
                "category": "company",
                "datetime": 1784896597,
                "headline": "SYF vs. ALLY vs. COF: Which Consumer Finance Stock Is the Best Buy After Earnings?"
              },
              {
                "id": 140995376,
                "url": "https://finnhub.io/api/news?id=4b577cfa44dae18b68b81047cc3775e5c0a6a08d6a5187d4cea14fde16f7ebcb",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Wells Fargo  analyst Donald Fandetti   maintains Synchrony Financial (NYSE:SYF) with a Overweight and lowers the price target from $95 to $88.",
                "category": "company",
                "datetime": 1784733178,
                "headline": "Wells Fargo Maintains Overweight on Synchrony Financial, Lowers Price Target to $88"
              },
              {
                "id": 140983279,
                "url": "https://finnhub.io/api/news?id=4529a9500552a7b174585986cd2edc70f9018634796f9f1f5b0518ea88ca8703",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "The low valuation multiples for value stocks provide a margin of safety that growth stocks rarely offer. However, the challenge lies in determining whether these cheap assets are genuinely undervalued or simply on sale due to their potentially deteriorating business models.",
                "category": "company",
                "datetime": 1784730627,
                "headline": "1 Value Stock to Own for Decades and 2 That Underwhelm"
              },
              {
                "id": 140983228,
                "url": "https://finnhub.io/api/news?id=c05979076cd672c0cac02c29d31fbfe33e7098e1e7c683ef24865afe625d0e4b",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Companies in The News Are: NVS, GM, SYF, MMM",
                "category": "company",
                "datetime": 1784726340,
                "headline": "Company News for July 22, 2026"
              },
              {
                "id": 141045611,
                "url": "https://finnhub.io/api/news?id=2fcc5b5df25bcee493f05d042af1d66fd930c6ee26e4e31341d878b1a47152c0",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Moby summary of Synchrony Financial's Q2 2026 earnings call",
                "category": "company",
                "datetime": 1784723400,
                "headline": "Synchrony Financial Q2 2026 Earnings Call Summary"
              },
              {
                "id": 140985803,
                "url": "https://finnhub.io/api/news?id=339aeaaf637005a7447168cf12dc5afa15a144284c8a3226a7f80ec15b0dff2d",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "RBC Capital  analyst Jon G. Arfstrom    maintains Synchrony Financial (NYSE:SYF) with a Sector Perform and lowers the price target from $85 to $80.",
                "category": "company",
                "datetime": 1784718001,
                "headline": "RBC Capital Maintains Sector Perform on Synchrony Financial, Lowers Price Target to $80"
              },
              {
                "id": 140980372,
                "url": "https://finnhub.io/api/news?id=37c50f850dbbc2d306de270c9f37a3cdeeb9d23aaf2a4402d4a74fa641a3f6f8",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) has just combined a fresh earnings outlook with its latest quarterly report, giving investors new data on profitability, credit trends and capital returns to weigh against the recent stock performance. See our latest analysis for Synchrony Financial. Despite the stronger guidance and active buybacks, Synchrony Financial's recent share price performance has cooled. The stock is down 4.05% on a 30 day share price return and 14.70% year to date, while the 3 year total...",
                "category": "company",
                "datetime": 1784711450,
                "headline": "Is Synchrony Financial (SYF) Cheap As Stronger Guidance Meets A Weaker Share Price?"
              },
              {
                "id": 140982340,
                "url": "https://finnhub.io/api/news?id=d158a4def2330ce18249f6a22c56b6a3750ac19776d255c2a1433a4b501ba3e2",
                "image": "https://cdn.benzinga.com/files/images/story/2026/07/22/Side-View-Of-Concentrated-Crypto-Trader-.jpg?width=2048&height=1536",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Top analysts change outlook on top names. Baird, Canaccord Genuity, Needham, Stifel, Truist Securities raise price targets. See analyst ratings.",
                "category": "company",
                "datetime": 1784707615,
                "headline": "Synchrony Financial To Rally Around 25%? Here Are 10 Top Analyst Forecasts For Wednesday"
              },
              {
                "id": 140985805,
                "url": "https://finnhub.io/api/news?id=0d45780949c6d65f4a436bd095364ed7d00383d45943ccf9cbe21181c7dc308c",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Baird  analyst David George   maintains Synchrony Financial (NYSE:SYF) with a Outperform and raises the price target from $86 to $90.",
                "category": "company",
                "datetime": 1784704657,
                "headline": "Baird Maintains Outperform on Synchrony Financial, Raises Price Target to $90"
              },
              {
                "id": 140975077,
                "url": "https://finnhub.io/api/news?id=805f84aba0d2efaf496a78afed2a8482229afaeaa48562f9c4bd1830a3b6aace",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) reports robust consumer engagement and strategic partnerships, while navigating increased credit provisions and operational costs.",
                "category": "company",
                "datetime": 1784660444,
                "headline": "Synchrony Financial (SYF) Q2 2026 Earnings Call Highlights: Record Purchase Volume and ..."
              },
              {
                "id": 140976831,
                "url": "https://finnhub.io/api/news?id=305c823af9f36250c1897666f81c8a11cf194606bbfc2b18ee42fe90e736dc81",
                "image": "https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1190446695/image_1190446695.jpg?io=getty-c-w1536",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Synchrony's aggressive buybacks and a 13.3% dividend provide attractive shareholder returns. The forward P/E is now a compelling 7.8. Read the latest analysis on the SYF stock here.",
                "category": "company",
                "datetime": 1784658038,
                "headline": "Synchrony Financial: Card Holders Are Still Buying - So Should Stock Investors"
              },
              {
                "id": 140973586,
                "url": "https://finnhub.io/api/news?id=deb158b37a80b6efc9f22b5e268b0472ca36e5f9c8050d5cd451a71a667b8ebe",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (NYSE:SYF) reported second-quarter 2026 net earnings of $885 million, or $2.59 per diluted share, as executives pointed to record purchase volume, renewed account growth and continued credit discipline during the company’s earnings call. President and Chief Executive Officer Bri",
                "category": "company",
                "datetime": 1784649915,
                "headline": "Synchrony Financial Q2 Earnings Call Highlights"
              },
              {
                "id": 140973587,
                "url": "https://finnhub.io/api/news?id=9a2932993f61cecd6d0db27aa4424cc5cb4bc0a5f6b53e449603555c78b685f5",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial tops Q2 EPS estimates by 24.5% as record purchase volume, stronger loan growth and a higher 2026 EPS outlook offset rising expenses.",
                "category": "company",
                "datetime": 1784647620,
                "headline": "Synchrony Beats Q2 Earnings Estimates, Raises 2026 EPS Outlook"
              },
              {
                "id": 140972002,
                "url": "https://finnhub.io/api/news?id=6be65ec7543d2166c0a83ac94007d4e7840acfa8ac03d62ac4298c7867c7aec7",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "While the top- and bottom-line numbers for Synchrony (SYF) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.",
                "category": "company",
                "datetime": 1784640603,
                "headline": "Synchrony (SYF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates"
              },
              {
                "id": 140972749,
                "url": "https://finnhub.io/api/news?id=1a9d7e9faee9c16dafe368c767def06ecdd9b77a8b2b5baf60196dffc6e2d9a2",
                "image": "https://static.seekingalpha.com/assets/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) Q2 2026 Earnings Call July 21, 2026 8:00 AM EDTCompany ParticipantsKathryn Miller - Senior Vice President & Director of...",
                "category": "company",
                "datetime": 1784639645,
                "headline": "Synchrony Financial (SYF) Q2 2026 Earnings Call Transcript"
              },
              {
                "id": 140969292,
                "url": "https://finnhub.io/api/news?id=ccc0d2ce241072935704eb5145d0aa0950753fe26dc19d0f0c2565d94587b7ef",
                "image": "https://www.chartmill.com/images/uploads/THUMBNAILS_CHARTMILL_1000_528_17_c249efcc18.webp",
                "source": "ChartMill",
                "related": "SYF",
                "summary": "Synchrony Financial (SYF) beat Q2 2026 earnings estimates but saw shares fall 1.9% after reporting a steep 34.7% year-over-year revenue decline, raising concerns about earnings sustainability.",
                "category": "company",
                "datetime": 1784632975,
                "headline": "Synchrony Financial (NYSE:SYF) Earnings Beat Overshadowed by Steep Revenue Decline, Stock Dips"
              },
              {
                "id": 140970696,
                "url": "https://finnhub.io/api/news?id=2ee40c9c5ea07114c898dbd2ad1867a917ed432effa9c6724b855109dcc3638d",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony (SYF) delivered earnings and revenue surprises of +24.52% and -1.14%, respectively, for the quarter ended June 2026. Do the numbers hold clues to what lies ahead for the stock?",
                "category": "company",
                "datetime": 1784631902,
                "headline": "Synchrony (SYF) Q2 Earnings Top Estimates"
              },
              {
                "id": 140969625,
                "url": "https://finnhub.io/api/news?id=0a6a4cd6531b6c1ca2416a1389e945042a64cf74a72ee96278498c00cd47b78d",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Consumer financial services company Synchrony Financial (NYSE:SYF) missed Wall Street’s revenue expectations in Q2 CY2026 as sales only rose 2% year on year to $3.72 billion. Its GAAP profit of $2.59 per share was 21.4% above analysts’ consensus estimates.",
                "category": "company",
                "datetime": 1784631281,
                "headline": "Synchrony Financial (NYSE:SYF) Misses Q2 CY2026 Revenue Estimates"
              },
              {
                "id": 140968965,
                "url": "https://finnhub.io/api/news?id=f3479f972ba5bc9f5388093ec699323f371ad239d2f06aeb7ce046ea6b8d48be",
                "image": "https://s.yimg.com/rz/stage/p/yahoo_finance_en-US_h_p_finance_2.png",
                "source": "Yahoo",
                "related": "SYF",
                "summary": "Synchrony Financial (NYSE: SYF) today announced its second quarter 2026 results for the fiscal year ending June 30, 2026. The earnings news release and presentation can be found on the company's Investor Relations website at https://investors.synchrony.com/financial-information/financial-results.",
                "category": "company",
                "datetime": 1784628000,
                "headline": "Synchrony Reports Second Quarter 2026 Results"
              },
              {
                "id": 140976164,
                "url": "https://finnhub.io/api/news?id=008e16c113458fa3e2e2a4ef1f028a14cab78648590fe31ed0c71237bc138b9f",
                "image": "https://cdn.benzinga.com/files/images/story/2025/11/06/movers_3.jpg?width=2048&height=1536",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Synchrony Financial (NYSE:SYF) reported second-quarter financial results on Tuesday. The transcript from the company's second-quarter earnings call has been provided below.\nBenzinga APIs provide real-time access to",
                "category": "company",
                "datetime": 1784627036,
                "headline": "Transcript: Synchrony Financial Q2 2026 Earnings Conference Call"
              },
              {
                "id": 140969884,
                "url": "https://finnhub.io/api/news?id=f050ef9c03cee0abb119020bd20ec6fcf8a819081218fb94a7f1e09141b33576",
                "image": "https://static.seekingalpha.com/assets/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png",
                "source": "SeekingAlpha",
                "related": "SYF",
                "summary": "2026-07-21. The following slide deck was published by Synchrony Financial in conjunction with their 2026 Q2 earnings call.",
                "category": "company",
                "datetime": 1784622665,
                "headline": "Synchrony Financial 2026 Q2 - Results - Earnings Call Presentation"
              },
              {
                "id": 140970908,
                "url": "https://finnhub.io/api/news?id=0bde65e53e00b2bc3f65bfc70ab4d00871a73169ccd8210a758296678bd36b88",
                "image": "https://cdn.benzinga.com/files/images/story/2025/11/06/earnings_scheduled_1.jpg?width=2048&height=1536",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Companies Reporting Before The Bell\n• Mueller Industries (NYSE:MLI) is projected to report quarterly earnings at $1.15 per share on revenue of $1.27 billion. \n• Valmont Industries (NYSE:VMI) is projected to report",
                "category": "company",
                "datetime": 1784617872,
                "headline": "Earnings Scheduled For July 21, 2026"
              },
              {
                "id": 140976166,
                "url": "https://finnhub.io/api/news?id=7dc9f00bbf0dc422a383ee7599b70b548f0e71f6fd1292405bad3989fa98d98e",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Synchrony Financial (NYSE:SYF) raises FY2026 GAAP EPS guidance from $9.10-$9.50 to $9.25-$9.50 vs $9.34 analyst estimate..",
                "category": "company",
                "datetime": 1784613621,
                "headline": "Synchrony Financial Raises FY2026 GAAP EPS Guidance from $9.10-$9.50 to $9.25-$9.50 vs $9.34 Est"
              },
              {
                "id": 140976167,
                "url": "https://finnhub.io/api/news?id=09874aaddb846fd8f23a1dc7d39b71e14d80fefebe92a93de21e9afe5d122be5",
                "image": "",
                "source": "Benzinga",
                "related": "SYF",
                "summary": "Synchrony Finl (NYSE:SYF) reported quarterly earnings of $2.59 per share which beat the analyst consensus estimate of $2.12 by 22.17 percent. This is a 3.6 percent increase over earnings of $2.50 per share from the same",
                "category": "company",
                "datetime": 1784613501,
                "headline": "Synchrony Finl Q2 EPS $2.59 Beats $2.12 Estimate, Sales $4.608B Beat $4.337B Estimate"
              }
            ],
            "data_source": "finnhub_news_keyword_model",
            "article_count": 8,
            "negative_hits": 0,
            "positive_hits": 3,
            "recomputed_at_score": true,
            "sentiment_score_raw": 0.9,
            "source_article_count": 54,
            "discarded_article_count": 43
          },
          "sentimentPoints": 4
        }
      },
      "技術信號": {
        "max": 30,
        "raw": 18.1,
        "grade": "一般",
        "items": {
          "bbPoints": 2.4,
          "adxPoints": 3,
          "sarPoints": 1.2000000000000002,
          "vcpPoints": 3,
          "macdPoints": 2.4,
          "vcpPayload": {
            "vcp_pass": false,
            "vcp_score": 3,
            "vcp_reason": "波幅收縮(17.2%→6.1%)；量縮(v10/v30=0.74)；跌縮量(近10日4日)；站上MA50；Ready=Y；Confirm=N",
            "vcp_metrics": {
              "up_days": 4,
              "vol_ref": 3501810,
              "down_days": 5,
              "vcp_ready": true,
              "above_ma50": true,
              "avg_vol_10": 2590860,
              "avg_vol_20": 3130460,
              "avg_vol_30": 3501810,
              "range_pct_10": 0.06051362273497583,
              "range_pct_20": 0.1469169599791422,
              "range_pct_30": 0.17155520792595486,
              "up_expand_ok": false,
              "lookback_used": 59,
              "near_20d_high": true,
              "contraction_ok": true,
              "down_shrink_ok": true,
              "up_expand_days": 0,
              "breakout_20d_ok": false,
              "vol_ratio_10_30": 0.7398630993686123,
              "dist_to_20d_high": 0.0635986328125001,
              "down_shrink_days": 4,
              "breakout_level_20d": 81.92,
              "vcp_breakout_confirm": false,
              "contraction_ratio_10_30": 0.35273556231003017
            },
            "vcp_name_en": "Volatility Contraction Pattern",
            "vcp_name_zh": "波動收縮形態",
            "vol_contraction": true
          },
          "kdjAdxPoints": 0.5,
          "rsiKdjPoints": 2.4,
          "volumeWeight": 2,
          "maCrossPoints": 1.6,
          "shortRsiPoints": 0,
          "shortMacdPoints": 0.4,
          "volConfirmPoints": 0,
          "volumePointsTechnical": 1.2
        }
      },
      "風險管理": {
        "max": 10,
        "grade": "良好",
        "items": {
          "position": {
            "score": 1.6,
            "details": {
              "atrPct": 2.287967670447139,
              "turnoverUsdM": 321.23010560999995,
              "liquidityPoints": 0.6,
              "volatilityPoints": 1
            }
          },
          "rrPoints": 1.4,
          "stopLevels": {
            "symbol": "US.SYF",
            "rr_range": "1:1.0-1:2.5",
            "risk_profile": "中等",
            "stop_loss_price": 73.1998,
            "strength_details": {
              "ma_score": 1.5,
              "atr_score": 2,
              "rsi_score": 2,
              "macd_score": 1.5,
              "volume_score": 2
            },
            "market_adjustment": 1,
            "risk_reward_ratio": 1.1,
            "stop_loss_percent": 4.6,
            "take_profit_price": 80.656,
            "target_multiplier": 1.9,
            "technical_strength": 1.78,
            "take_profit_percent": 5.1
          },
          "positionPoints": 1.6,
          "stopLossPoints": 2.4,
          "diversification": {
            "score": 2,
            "details": {
              "method": "sector concentration proxy; no portfolio holdings used",
              "sector": "Financials",
              "concentratedSectorPenalty": 0
            }
          },
          "riskRewardRatio": 1.2,
          "stopLossPercent": 4.575935340894278,
          "diversificationPoints": 2
        }
      }
    }
  },
  "modelVersion": "cursor_18_27_news_v2_160",
  "providerErrors": [
    {
      "code": "VIX_MISSING",
      "symbol": "US.SYF",
      "message": "VIX market context is required for market environment scoring",
      "missing": [
        "VIX"
      ],
      "provider": "scoring"
    }
  ],
  "rankingScoreMax": 160,
  "dataCompleteness": {
    "complete": false,
    "missingFields": [
      "VIX"
    ],
    "optionalInputs": [
      "institutionalData"
    ],
    "requiredInputs": [
      "fundamentals",
      "marketContext.VIX",
      "marketContext.SPY",
      "marketContext.QQQ",
      "catalystData",
      "sentimentData",
      "ATR",
      "sector"
    ],
    "optionalInputWarnings": []
  },
  "technicalIndicators": {
    "adx": 92.86,
    "atr": {
      "atr": 1.7551,
      "rule": "ATR / current price; lower volatility scores higher",
      "score": 6,
      "atr_pct": 2.29
    },
    "cci": {
      "rule": "Cursor_18.24 CCI bands",
      "level": "弱勢",
      "score": 4,
      "value": -32.46
    },
    "cmf": {
      "rule": "Cursor_18.24 CMF bands",
      "level": "平衡",
      "score": 4,
      "value": 0.0609
    },
    "kdj": {
      "d": 69.42,
      "j": 17.65,
      "k": 52.16,
      "rule": "Cursor_18.24 K/D cross",
      "score": 0,
      "signal": "死叉"
    },
    "mfi": {
      "rule": "Cursor_18.24 MFI bands",
      "level": "入貨中",
      "score": 8,
      "value": 63.74
    },
    "obv": {
      "rule": "Cursor_18.24 recent_slope vs previous_slope",
      "score": 2,
      "trend": "資金流出",
      "value": 13408809,
      "recentSlope": -795899.1,
      "previousSlope": 1065280
    },
    "rsi": 53.96,
    "sar": {
      "rule": "Cursor_18.24 Parabolic SAR",
      "score": 4,
      "trend": "下降",
      "value": 81.92,
      "position": "SAR喺價上",
      "distancePct": 6.79,
      "previousTrend": "上升"
    },
    "ma50": 75.8332,
    "macd": {
      "macd": 1.2494474857123805,
      "trend": "中性偏多",
      "signal": 1.3770185842218914,
      "histogram": -0.12757109850951087
    },
    "vwap": {
      "rule": "Cursor_18.24 VWAP 20D consecutive close",
      "score": 2,
      "value": 77.7494,
      "position": "<VWAP",
      "consecutiveAbove": 0
    },
    "volume": {
      "rule": "Cursor_18.24 volume ratio",
      "level": "有量",
      "ratio": 1.33,
      "score": 6,
      "avgVolume": 3157395,
      "currentVolume": 4187591
    },
    "derived": {
      "ma20": 78.075,
      "ma50": 75.8332,
      "prevClose": 79.62,
      "avgVolume10": 2763189,
      "avgVolume20": 3157395,
      "changePercent": -3.65,
      "avgVolumeForScore": 3157395
    },
    "ma_cross": {
      "ma20": 78.075,
      "ma50": 75.8332,
      "rule": "Cursor_18.24 MA20/MA50 cross",
      "cross": "多頭",
      "score": 4,
      "prevMa20": 77.828,
      "prevMa50": 75.7456,
      "spreadPct": 2.96,
      "isVolumeBreakout": true
    },
    "bollinger": {
      "lower": 73.9207,
      "upper": 82.2293,
      "position": "中間"
    },
    "rsi_short": 27.04,
    "macd_short": {
      "macd": 0,
      "trend": "中性",
      "signal": 0,
      "histogram": 0
    },
    "volume_ratio": {
      "ratio": 1.33
    }
  }
}

{
  "close": 76.71,
  "volume": 4187591,
  "changePercent": -3.65
}