Synchrony Financial (SYF) seasonality heatmap
Returns across monthly, quarterly, and yearly periods. Cell color encodes signed magnitude; the scale auto-fits each table.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -12.9% | -4.5% | -1.6% | +12.0% | -6.2% | +2.7% | — | — | — | — | — | — |
| 2025 | +6.1% | -11.7% | -12.8% | -1.9% | +11.6% | +15.8% | +4.4% | +10.0% | -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% | +10.5% | +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% | +1.0% | -18.6% | +6.4% | +0.6% | -25.4% | +22.1% | -2.2% | -13.9% | +27.0% | +5.7% | -12.6% |
| 2021 | -3.0% | +15.6% | +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% | +5.4% | -3.6% | +21.8% | +13.9% |
| 2019 | +28.0% | +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% | +10.3% | -1.9% | -7.1% | -9.4% | -9.7% |
| 2017 | -1.2% | +1.5% | -5.4% | -19.0% | -3.0% | +11.1% | +1.7% | +2.1% | +0.8% | +5.0% | +10.5% | +7.6% |
| 2016 | -6.5% | -5.2% | +6.4% | +6.7% | +2.1% | -19.0% | +10.3% | +0.3% | +0.6% | +2.1% | +21.4% | +4.9% |
| 2015 | +3.8% | +3.5% | -5.0% | +2.7% | +3.6% | +2.0% | +4.3% | -4.1% | -5.0% | -1.7% | +3.5% | -4.5% |
| 2014 | — | — | — | — | — | — | — | +12.1% | -4.8% | +10.1% | +7.4% | +2.5% |
| Avg | +1.0% | -0.3% | -8.4% | +4.1% | +2.5% | +1.1% | +3.8% | +2.4% | -2.3% | +3.2% | +8.9% | +2.0% |
| Median | +0.3% | -0.6% | -5.2% | +4.5% | +2.8% | +3.1% | +3.5% | +1.2% | -1.8% | +2.9% | +6.9% | +3.0% |
| Last 5Y Avg | -0.3% | -2.1% | -9.4% | +4.0% | +2.4% | +2.0% | +6.8% | +1.3% | -5.7% | +6.0% | +9.0% | +2.6% |
| Std Dev (σ) | 11.1% | 8.2% | 14.2% | 9.9% | 5.0% | 12.7% | 8.6% | 7.6% | 5.5% | 9.6% | 10.1% | 9.2% |
| Consistency (μ/σ) | 0.09 | -0.03 | -0.59 | 0.41 | 0.49 | 0.09 | 0.44 | 0.32 | -0.41 | 0.34 | 0.88 | 0.22 |
| Win Rate (%) | 50% | 50% | 25% | 75% | 75% | 73% | 82% | 58% | 33% | 58% | 83% | 58% |
| Winning / Losing Months | ▲6▼6 | ▲6▼6 | ▲3▼9 | ▲9▼3 | ▲9▼3 | ▲8▼3 | ▲9▼2 | ▲7▼5 | ▲4▼8 | ▲7▼5 | ▲10▼2 | ▲7▼5 |
| Longest Win / Loss Streak | ▲3▼3 | ▲2▼2 | ▲1▼4 | ▲6▼2 | ▲6▼1 | ▲3▼1 | ▲4▼1 | ▲3▼3 | ▲2▼5 | ▲2▼2 | ▲4▼1 | ▲2▼2 |
| Best | +28.0%in January 2019 | +15.6%in February 2021 | +6.4%in March 2016 | +23.0%in April 2020 | +11.6%in May 2025 | +15.8%in June 2025 | +22.1%in July 2022 | +12.1%in August 2020 | +6.4%in September 2019 | +27.0%in October 2022 | +23.0%in November 2024 | +18.0%in December 2023 |
| Worst | -12.9%in January 2026 | -11.7%in February 2025 | -44.7%in March 2020 | -19.0%in April 2017 | -6.2%in May 2026 | -25.4%in June 2022 | -13.3%in July 2018 | -10.1%in August 2019 | -13.9%in September 2022 | -7.4%in October 2023 | -9.4%in November 2018 | -12.6%in December 2022 |
−44.7%+28.0%
2026
Jan-12.9%
Feb-4.5%
Mar-1.6%
Apr+12.0%
May-6.2%
Jun+2.7%
Jul—
Aug—
Sep—
Oct—
Nov—
Dec—
2025
Jan+6.1%
Feb-11.7%
Mar-12.8%
Apr-1.9%
May+11.6%
Jun+15.8%
Jul+4.4%
Aug+10.0%
Sep-6.9%
Oct+4.7%
Nov+4.4%
Dec+7.8%
2024
Jan+1.8%
Feb+6.9%
Mar+4.4%
Apr+2.0%
May+0.1%
Jun+7.7%
Jul+7.6%
Aug-0.5%
Sep-0.8%
Oct+10.5%
Nov+23.0%
Dec-3.7%
2023
Jan+11.8%
Feb-2.2%
Mar-18.6%
Apr+1.5%
May+5.7%
Jun+9.6%
Jul+2.6%
Aug-6.5%
Sep-5.3%
Oct-7.4%
Nov+15.4%
Dec+18.0%
2022
Jan-8.2%
Feb+1.0%
Mar-18.6%
Apr+6.4%
May+0.6%
Jun-25.4%
Jul+22.1%
Aug-2.2%
Sep-13.9%
Oct+27.0%
Nov+5.7%
Dec-12.6%
2021
Jan-3.0%
Feb+15.6%
Mar+5.1%
Apr+8.1%
May+8.4%
Jun+2.3%
Jul-2.6%
Aug+5.8%
Sep-1.8%
Oct-4.5%
Nov-3.6%
Dec+3.6%
2020
Jan-10.0%
Feb-9.6%
Mar-44.7%
Apr+23.0%
May+4.1%
Jun+8.8%
Jul+0.8%
Aug+12.1%
Sep+5.4%
Oct-3.6%
Nov+21.8%
Dec+13.9%
2019
Jan+28.0%
Feb+9.3%
Mar-2.2%
Apr+8.7%
May-2.4%
Jun+3.1%
Jul+3.5%
Aug-10.1%
Sep+6.4%
Oct+3.8%
Nov+6.4%
Dec-3.7%
2018
Jan+2.8%
Feb-7.9%
Mar-7.9%
Apr-1.1%
May+4.9%
Jun-3.6%
Jul-13.3%
Aug+10.3%
Sep-1.9%
Oct-7.1%
Nov-9.4%
Dec-9.7%
2017
Jan-1.2%
Feb+1.5%
Mar-5.4%
Apr-19.0%
May-3.0%
Jun+11.1%
Jul+1.7%
Aug+2.1%
Sep+0.8%
Oct+5.0%
Nov+10.5%
Dec+7.6%
2016
Jan-6.5%
Feb-5.2%
Mar+6.4%
Apr+6.7%
May+2.1%
Jun-19.0%
Jul+10.3%
Aug+0.3%
Sep+0.6%
Oct+2.1%
Nov+21.4%
Dec+4.9%
2015
Jan+3.8%
Feb+3.5%
Mar-5.0%
Apr+2.7%
May+3.6%
Jun+2.0%
Jul+4.3%
Aug-4.1%
Sep-5.0%
Oct-1.7%
Nov+3.5%
Dec-4.5%
2014
Jan—
Feb—
Mar—
Apr—
May—
Jun—
Jul—
Aug+12.1%
Sep-4.8%
Oct+10.1%
Nov+7.4%
Dec+2.5%
Avg
Jan+1.0%
Feb-0.3%
Mar-8.4%
Apr+4.1%
May+2.5%
Jun+1.1%
Jul+3.8%
Aug+2.4%
Sep-2.3%
Oct+3.2%
Nov+8.9%
Dec+2.0%
Median
Jan+0.3%
Feb-0.6%
Mar-5.2%
Apr+4.5%
May+2.8%
Jun+3.1%
Jul+3.5%
Aug+1.2%
Sep-1.8%
Oct+2.9%
Nov+6.9%
Dec+3.0%
Last 5Y Avg
Jan-0.3%
Feb-2.1%
Mar-9.4%
Apr+4.0%
May+2.4%
Jun+2.0%
Jul+6.8%
Aug+1.3%
Sep-5.7%
Oct+6.0%
Nov+9.0%
Dec+2.6%
Std Dev (σ)
Jan11.1%
Feb8.2%
Mar14.2%
Apr9.9%
May5.0%
Jun12.7%
Jul8.6%
Aug7.6%
Sep5.5%
Oct9.6%
Nov10.1%
Dec9.2%
Consistency (μ/σ)
Jan0.09
Feb-0.03
Mar-0.59
Apr0.41
May0.49
Jun0.09
Jul0.44
Aug0.32
Sep-0.41
Oct0.34
Nov0.88
Dec0.22
Win Rate (%)
Jan50%
Feb50%
Mar25%
Apr75%
May75%
Jun73%
Jul82%
Aug58%
Sep33%
Oct58%
Nov83%
Dec58%
Winning / Losing Months
Jan▲6▼6
Feb▲6▼6
Mar▲3▼9
Apr▲9▼3
May▲9▼3
Jun▲8▼3
Jul▲9▼2
Aug▲7▼5
Sep▲4▼8
Oct▲7▼5
Nov▲10▼2
Dec▲7▼5
Longest Win / Loss Streak
Jan▲3▼3
Feb▲2▼2
Mar▲1▼4
Apr▲6▼2
May▲6▼1
Jun▲3▼1
Jul▲4▼1
Aug▲3▼3
Sep▲2▼5
Oct▲2▼2
Nov▲4▼1
Dec▲2▼2
Best
Jan+28.0%2019
Feb+15.6%2021
Mar+6.4%2016
Apr+23.0%2020
May+11.6%2025
Jun+15.8%2025
Jul+22.1%2022
Aug+12.1%2020
Sep+6.4%2019
Oct+27.0%2022
Nov+23.0%2024
Dec+18.0%2023
Worst
Jan-12.9%2026
Feb-11.7%2025
Mar-44.7%2020
Apr-19.0%2017
May-6.2%2026
Jun-25.4%2022
Jul-13.3%2018
Aug-10.1%2019
Sep-13.9%2022
Oct-7.4%2023
Nov-9.4%2018
Dec-12.6%2022
−44.7%+28.0%
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