The takeaway
Synchrony Financial shows a moderate seasonal pattern over 2 years of data — strongest in November (+2.5%) and softest in March (−1.1%).
Right now
In July, the stock has risen 100% of years, averaging +1.6%, roughly 0.6 pts behind the S&P 500.
The full picture
Synchrony Financial's most dependable month has been November, higher in 2 of 2 years; March has been its least reliable, up just 0% of the time.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Win rate % | ||||||||||||
| Median return % | ||||||||||||
| 2025 | ||||||||||||
| 2024 | — |
Month by month
The stock's clearest edge over the S&P 500 lands in August (+2.1 pts); it has trailed the market most in March (−2.1 pts).
“vs S&P” is Synchrony Financial’s average for a month minus the S&P 500’s average for that same month — isolating Synchrony Financial’s own seasonal edge from broad market drift.
Reality check
Not enough recent November history to say whether the pattern still holds.
Figures are the typical (median) November return and how often it rose — the last 2 years versus the last 2(the heatmap’s default window). This verdict stays anchored to that 2-year window even if you zoom the chart, so it never disagrees with the badges above.
In plain English
Dependability is the through-line here. November stands out, higher in all 2 Novembers, but it heads a clutch of months that pull the year reliably upward.
Its average (+2.5%) and median (+2.5%) land within a hair of each other — the tell of steady, year-after-year gains rather than one outlier doing the work. Set against the S&P 500, mind, November is close to a wash — the gain mirrors the market more than it beats it. That consistency sets it apart from the field, where the average stock manages November only about 62% of the time.
The strength clusters rather than stands alone — October–December forms a firm stretch that carries much of the year. The weaker half of the year is plainer: March has been the soft spot — the weakest of 2 months that average a loss (−1.1%), and the edge isn't year-round — the stock has trailed the S&P 500 in March, April, and January.
The takeaway is less about when to buy than what to expect: November aside, the stock's months offer little reliable tilt. With a short 2-year record, the signal is best held loosely.
Short answers on the stock's best month (November), its worst (March), and whether it really trades seasonally.
Yes, to a moderate degree. Since 2024 its best month (November, +2.5%) has run well ahead of its worst (March, −1.1%) — the heatmap above shows how steady that gap has been year to year.
November has been the strongest, averaging +2.5% and closing higher in all 2 years on record since 2024.
It's the weakest, averaging −1.1% — historically a soft spot, though it still varies from year to year.
Explore
These names have the strongest July track records on record — a starting point for comparison.
Before you trade