SYF drawdown: 17.6% below the all-time high
Synchrony Financial (SYF) is 17.6% below its all-time high, set Jan 6, 2026 (as of market close, Jul 24, 2026). The chart shows every day as a percentage of the highest level reached up to that point: 100% means a fresh record, everything below is a drawdown. "All-time" means since our price data begins (2014).
- Below all-time high
- −17.6%
- 82.4% of ATH
- All-time high
- $88.47
- Jan 6, 2026
- Time below the high
- 7 mo
- since Jan 6, 2026
- Worst-ever drawdown
- −68.2%
- Mar 23, 2020
- Longest underwater
- 3.1 yrs
- between all-time highs
- Today's level first reached
- Aug 22, 2025
- 11 mo ago
- Last time this deep
- Jun 5, 2025
- in a previous episode
% of all-time high since 2014#
The classic underwater chart (drawdown curve), drawn as % of the all-time high — 100% is a fresh record, everything below it is time spent underwater.
% of all-time high on the price basis — the all-time high considers the full history of SYF, including years before the visible window. Dividends are excluded on this basis (the convention headlines use).
The deepest drawdowns on record#
Every decline of 15% or more from an all-time high (price basis), deepest first.
| Peak | Trough | Depth | Peak → trough | Recovered by | Underwater |
|---|---|---|---|---|---|
| Jan 26, 2018 | Mar 23, 2020 | −68.2% | 2.2 yrs | Feb 24, 2021 | 3.1 yrs |
| Oct 19, 2021 | May 4, 2023 | −48.9% | 1.5 yrs | Oct 11, 2024 | 3.0 yrs |
| Jan 24, 2025 | Apr 4, 2025 | −38.0% | 2 mo | Jul 10, 2025 | 5 mo |
| Jul 20, 2015 | Jun 27, 2016 | −35.1% | 11 mo | Dec 7, 2016 | 17 mo |
| Jan 4, 2017 | May 17, 2017 | −30.1% | 4 mo | Dec 18, 2017 | 11 mo |
| Jan 6, 2026 | Mar 13, 2026 | −27.9% | 2 mo | not yet | 7 mo+ |
Price basis (no dividends) — the convention crash histories use. With dividends reinvested, recoveries arrive years earlier; switch the basis on the chart above to see it.
Drawdown vs what came next#
One dot per month since 2014: how far SYF stood below its all-time high, and the total return over the following 1, 5 and 10 years.
Read this with survivorship bias in mind: SYF is on this chart precisely because it survived — the many stocks that fell this far and never recovered (or were delisted) aren't on anyone's chart, so past recoveries here say little about the odds ahead. Monthly windows also overlap heavily (they are not independent samples). Not investment advice.
FAQ
- How far is SYF from its all-time high?
- SYF is currently 17.6% below its all-time high, set Jan 6, 2026 (as of market close, Jul 24, 2026). Prices only, the convention headlines use; with dividends reinvested the gap is usually smaller.
- What was the biggest SYF drawdown ever?
- The deepest decline on record in our data (since 2014) took the stock 68.2% below its prior high, bottoming Mar 23, 2020. The table on this page lists every major episode with its peak, trough and recovery date.
Methodology & related#
Daily closing prices since 2014 (split-adjusted). "All-time" means since our price data begins — SYF may have traded earlier. For a 150-year index drawdown record see the S&P 500 drawdown page. The price basis excludes dividends; the total-return basis reinvests them; the real basis additionally deflates by CPI. See also returns by year, 150 years of returns and the rolling-returns explorer. Past performance does not predict future returns; not investment advice.