A deep-dive 2026 investment analysis of SYF Synchrony Financial — private-label credit card business model, RSA structures, net interest margin dynamics, net charge-off cycle risk, CareCredit growth, and optimal account placement for US investors.
FICO Fair Isaac stock outlook 2026: analysis of the near-monopoly in US mortgage credit scoring, Scores segment pricing power, Software segment SaaS transition, regulatory risks from FHFA rule changes, VantageScore competition, and what US investors need to evaluate before buying FICO shares.
Ally Financial stock outlook 2026: deep analysis of the largest US all-digital bank, dealer-network auto lending, NIM recovery thesis, net charge-off risk, deposit competition, and what US investors need to know before buying ALLY shares.
Discover Financial DFS stock outlook 2026: Capital One merger status, closed-loop card network value, cashback rewards model, credit quality, deposit franchise, and bull/base/bear scenarios for US investors.