Synchrony Financial Stock Could Rally Back Near Record Peak

Core Insights - Synchrony Financial (SYF) has experienced a 50.6% gain over the past nine months but is currently facing a 6.3% decline in January 2026 after reaching a record high of $88.77 on January 9 [1] - The stock has found support at the $75 level, which may help it recover, as it is near a historically bullish trendline that could lead to further gains in the upcoming weeks [1] Technical Analysis - SYF is currently within 0.75 of its 126-day moving average's 20-day average true range (ATR), having remained above this level 80% of the time in the last two weeks and 80% of the past 42 trading sessions [2] - Historical data shows that similar signals have led to a 64% success rate for the stock being higher one month later, with an average gain of 5.5%, suggesting a potential target of above $82 from its current price of $77.94 [2] Options Market Sentiment - Options traders are showing a bullish sentiment, indicated by a 50-day call/put volume ratio of 4.25, which is higher than 84% of annual readings [4] - The affordability of options is supported by a Schaeffer's Volatility Index (SVI) of 41%, ranking in the 22nd percentile over the last 12 months, suggesting favorable conditions for options trading [5] - SYF's Schaeffer's Volatility Scorecard (SVS) is high at 85 out of 100, indicating that the stock has historically exceeded options traders' volatility expectations [5]