Synchrony Financial

SYFNYSE · USD
75.25USD+0.07 (+0.09%)
797

Synchrony Financial (SYF) Historical Volatility

SYF's 30 day historical volatility is 25.25%, in the 20th percentile of readings over the past year. This is a low percentile, meaning Synchrony Financial shares have been calmer than usual. SYF's 30 day implied volatility sits at 35.61%, with an IV Rank of 70.24%, leaving IV 10.36 points above historical volatility. This means options are pricing in more movement than the stock has actually delivered, as of Nov 3, 2026.

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Tracking SYF historical volatility helps you see how much Synchrony Financial's stock price has actually moved, giving you a baseline for whether option premiums look fair, cheap, or expensive. While implied volatility shows what the market expects, SYF's HV, also known as realized volatility, shows what actually happened. Use our scanner to monitor SYF 30 day historical volatility alongside longer lookback windows and spot the moments when realized and implied diverge.

Historical volatility is the annualized standard deviation of a stock's past returns, typically measured over rolling windows like 10, 20, 30, or 60 days. SYF's 30 day historical volatility, or SYF HV, is one of the most widely watched readings because it balances responsiveness with stability. Comparing SYF's HV to its implied volatility reveals the volatility risk premium. When IV sits well above HV, options are pricing in more movement than the stock has actually delivered, giving option sellers an edge. When HV runs hot relative to IV, options are pricing in less movement than the stock has delivered, and buyers may be underpaying for it.

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms.

Historical Volatility

HV Percentile
20thHV Percentile
Low

Historical movement is subdued versus the past year. The stock has been unusually quiet.

Historical Volatility (30d)25.25%

HV Percentile20th

Implied Volatility (30d)35.61%

IV Rank70.24%

IV Minus HV+10.36%

As of Nov 3, 2026

IV vs HV
Implied Volatility (IV) vs Historical Volatility (HV) over the past month.

As of Nov 3, 2026

IV - HV Difference
Difference between IV and HV over time. Positive values indicate IV > HV.

As of Nov 3, 2026

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