SYF·Synchrony Financial

Realized volatility (21d)

28.2% 47th pct

Below its peak

-15.6%

vs 200-day average

-0.2%

Up days (1y)

52%

Synchrony Financial is currently running 28.2% annualised volatility over the last 21 sessions. Measured against SYF's own 12 years of daily returns rather than a market-wide average, that is the 47th percentile — close to its own typical level, against a typical reading of 28.9%. The distinction matters because a number that looks calm for one stock is turbulent for another, and the absolute figure on its own tells you neither.

SYF is trading -15.6% below its running peak. Across 11 full years on file, its median worst-drawdown-in-a-year was -28.7%, and the deepest was -64.7% in 2020. The current pullback is therefore shallower than what this stock gives back in a typical year, which is context worth having before treating it as a dislocation.

Price sits -0.2% from its 200-day moving average. Against every other day in its history, that gap ranks at the 42nd percentile — close to the gap it normally carries. Over the past year SYF closed higher on 52% of sessions, and it is currently 1 session into a rising streak.

On September specifically: over 13 years of records, SYF finished the month higher 6 of 13 times, with a median return of -1.9% and an average of -1.7%. Its strongest month historically has been November at +7.6% on average, its weakest March at -8.2%. Seasonality is a weak signal on its own — a decade is a small sample and regimes change — but it is a real distribution rather than a rule of thumb.

Overnight risk is measurable too: SYF has opened more than 2% away from the prior close in 190 of 3,051 sessions (6.2% of the time), with the largest gaps running +10.3% and -7.5%. For anyone holding through an event, that rate is a better guide to overnight exposure than the intraday range.

Across the last 3 dated reports on file, SYF moved an average of 0.8% in the session after earnings, closing higher 3 of those 3 times, with a median move of +0.6% and a largest of +1.4%.

All figures computed from 3,052 daily closes between 2014-07-31 and 2026-09-18, split-adjusted, recomputed daily. Percentiles are against SYF's own 12-year history, not a peer group or index.