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SYF - Synchrony


rukawa

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No new insights on this company ? Looks interesting...

 

It's gotten hammered today. Trading at $11bn market cap. They've been buying back $3bn of stock a year. Obviously heavily tied to the consumer. At these prices it seems armageddon is priced in already.

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Anyone out there care to put forward a bear case on this? Another 5.6 points of charge offs would wipe out net income. With its capital levels, even a 10% hit to the portfolio could be borne without major disruption.

 

 

The consumer is clearly going to be negatively impacted, but much of that appears priced in already. What am I missing?

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