Synchrony Financial (SYF) Stock Concentration Calculator
Calculator · free · no signup · SYFQuantify Synchrony Financial concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Synchrony Financial
Synchrony Financial (SYF) is a public Fintech company, incorporated in New York and headquartered in Stamford, CT.
Equity grants at Synchrony Financial typically include restricted stock units (RSUs).
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
Source: Wikipedia (CC BY-SA 4.0)
General Electric spun off its retail finance arm in 2014 and 2015, creating the largest provider of private label credit cards in the United States. The model is partnership-based: cards branded for Amazon, Lowe's, PayPal, and hundreds of other retailers, with Synchrony underwriting and servicing while the partner supplies customers. That concentrates risk in partner renewals and in subprime consumer credit performance, which makes charge-off rates the metric that moves results. Headquarters are in Stamford, Connecticut.
Sources: synchrony.com · en.wikipedia.org
Equity comp at Synchrony Financial
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Synchrony Financial.
If a meaningful share of your net worth sits in SYF, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with SYF's option-implied volatility.
All Synchrony Financial tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Synchrony Financial equity questions
- How much SYF stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your SYF position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Synchrony Financial grant ISOs, NSOs, or RSUs?
- Equity compensation at Synchrony Financial typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Synchrony Financial RSUs use double-trigger vesting?
- No. Synchrony Financial restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Synchrony Financial equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.