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SYFSYFFinancial Services · Credit Services

SYF Stock Forecast: Synchrony Financial Price Predictions for 2026-2027

Last close, 6 Aug 2026
$79
−0.73% on the day

The 24 Wall Street analysts covering Synchrony Financial hold a median 12-month price target of $88 — +11.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 75 of 100 as at 6 Aug 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$25.8B
Ticker Nerd rank
75 / 100
Median analyst target
$88
Analysts covering
24
Total return, dividends reinvested
1W
+2.4%
1M
+2.5%
YTD
−4.5%
1Y
+15.2%
From 52W high
−10.0%
From 52W low
+24.4%
$63
$87
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

SYF stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Synchrony Financial on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 6 Aug 2026
75 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Value
90
Issuance
82
Volatility
80
Quality
79
Momentum
71
Growth
58
Revisions
49
Accruals
46
Size
9

Value (90): The shares cost little relative to the profits and assets behind them — which can mean the market is too gloomy, or that the business really is in trouble.

Accruals (46): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Size (9): Larger than most of the companies we track — more scrutinised, less often mispriced.

The rank is the raw material. Whether the rules would actually own Synchrony Financial — and when they’d sell — is the membership.

Wall Street

SYF stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on SYF, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$60$70$80$90$100$110Oct 25Jan 26Apr 26Jul 26SYFHigh $104Median $88Low $78

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

What Wall Street says24 analysts
16 Buy8 Hold0 Sell
Low $78Median $88High $104

The green dot is the last close — the median target sits +11.9% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 5 moved their price target up and 4 moved it down.

DateFirmActionRatingTarget
3 Aug 2026UBSMaintainsNeutral$84 → $87
28 July 2026Evercore ISI GroupMaintainsOutperform$90 → $86
22 July 2026BairdMaintainsOutperform$86 → $90
22 July 2026RBC CapitalMaintainsSector Perform$85 → $80
22 July 2026Wells FargoMaintainsOverweight$95 → $88
13 July 2026HSBCMaintainsBuy$93 → $97
13 July 2026HSBCMaintainsBuy—
13 July 2026JP MorganMaintainsNeutral—
13 July 2026JP MorganMaintainsNeutral$81 → $78
7 July 2026TD CowenMaintainsBuy—
7 July 2026TD CowenMaintainsBuy$89 → $90
7 July 2026UBSMaintainsNeutral$77 → $84
7 July 2026UBSMaintainsNeutral—
22 May 2026Loop CapitalInitiatesHold—
23 Apr 2026Truist SecuritiesMaintainsHold—
22 Apr 2026BairdMaintainsOutperform—
22 Apr 2026BarclaysMaintainsOverweight—
22 Apr 2026BTIGDowngradeNeutral—
9 Apr 2026JP MorganMaintainsNeutral—
9 Apr 2026Wells FargoMaintainsOverweight—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Estimates

SYF analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+1.1%
Analysts raising
2
Analysts cutting
1
Fundamentals

Synchrony Financial (SYF) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
8.1×

Cheaper than 62% of US stocks

Price / sales
2.6×

Cheaper than 46% of US stocks

Price / book
1.7×

Cheaper than 52% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
0.6%

Higher than 30% of US stocks

Earnings growth (YoY)
−8.5%

Higher than 27% of US stocks

Gross margin
—
Operating margin
50.2%

Higher than 97% of US stocks

Net margin
35.5%

Higher than 92% of US stocks

Returns & dividend
Return on equity
20.8%

Higher than 82% of US stocks

Return on assets
2.9%

Higher than 65% of US stocks

Dividend yield
1.7%

Higher than 40% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Peers

SYF vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
SYFSynchrony Financial$25.8B
75
AFRMAffirm Holdings, Inc.$24.9B
43
SOFISoFi Technologies, Inc.$22.8B
38
ALLYAlly Financial, Inc.$13.4B
69
PYPLPayPal Holdings, Inc.$53.8B
67
FCFSFirstCash Holdings, Inc.$9.0B
79
OMFOneMain Holdings, Inc.$7.7B
73
Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. SYF appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

News

Latest SYF news & analysis

2 Preferred Stocks That Put You First In Line

Seeking Alpha · 7 Aug 2026neutral

An article discusses preferred stocks as an investment that puts holders ahead of common shareholders when claiming dividends, describing them as relatively immune to daily market fluctuations. It highlights that buying high-quality preferred stocks at discounted prices can set investors up for solid total returns.

Why it matters — Synchrony Financial, which issues preferred shares, is relevant to this article's focus on preferred stock investing and dividend positioning for income-focused shareholders.

Synchrony's CareCredit Expands Access to Financing for Health & Wellness Providers with New Stripe Partnership

PRNewsWire · 6 Aug 2026positive

Synchrony announced that its CareCredit health and wellness financing program will be available to providers and retailers using Stripe, allowing them to activate CareCredit directly within the existing payment platform with no additional integration. The move makes it easier for more than 12 million CareCredit cardholders to access financing from Stripe-based health and wellness providers.

Why it matters — The partnership expands CareCredit's distribution and reach through Stripe's payment platform, potentially broadening Synchrony's financing volume and provider network.

Synchrony Financial: Powerful Buyback And Stable Credit Create Opportunity (Upgrade)

Seeking Alpha · 31 July 2026positive

Seeking Alpha upgraded Synchrony Financial (SYF) to "Strong Buy," citing stable credit trends, strong capital returns, and undervaluation. The upgrade followed Q2 earnings that beat estimates, with purchase volumes up 8% and loan receivables up 2% despite high payment rates.

Why it matters — SYF watchers should note the upgrade reflects confidence in Synchrony's stable credit performance and its ability to sustain aggressive buybacks, which could influence near-term shareholder returns.

Summer Is On! Flexible Payments Help Consumers Keep It That Way

PRNewsWire · 30 July 2026positive

Synchrony published research showing that six in ten consumers say flexible payment options help make summer activities and purchases possible, and half of consumers have applied or plan to apply for financing for summer leisure spending. The research indicates consumers are planning to spend on travel, dining, clothing, entertainment and home improvement while managing budgets.

Why it matters — For Synchrony Financial watchers, the research points to sustained consumer demand for the company's core flexible payment and financing products heading into the summer season.

FAQ

Frequently asked questions about SYF stock

What is the SYF stock price forecast for 2026-2027?

The 24 Wall Street analysts covering Synchrony Financial have a median 12-month price target of $88, with estimates ranging from $78 to $104. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is SYF stock a buy right now?

Of the 24 analysts covering Synchrony Financial, 16 rate it a Buy, 8 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Synchrony Financial 75 out of 100 across roughly 4,600 US stocks as at 6 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank SYF?

As at 6 Aug 2026, Synchrony Financial ranks 75 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Value (90 of 100).

Will SYF stock go up?

No one can know that. What the data says: the median 12-month target from 24 analysts implies +11.9% from the last close, and Ticker Nerd's factor model ranks Synchrony Financial 75 out of 100 as at 6 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the SYF stock forecast for 2030?

No analyst covering Synchrony Financial publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for SYF are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $78 to $104 over the next 12 months.

How has SYF stock performed over the past year?

Synchrony Financial returned +15.2% over the 12 months to 6 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Synchrony Financial do?

Synchrony Financial is a consumer financial services company specializing in private label credit cards, co-branded credit products, and installment lending. Headquartered in Stamford, Connecticut, the company partners with retailers, healthcare providers, manufacturers, and digital platforms to offer financing solutions at the point of sale.

What is the latest news on SYF?

The most recent item we track (Seeking Alpha, 7 Aug 2026): "2 Preferred Stocks That Put You First In Line". An article discusses preferred stocks as an investment that puts holders ahead of common shareholders when claiming dividends, describing them as relatively immune to daily market fluctuations. It highlights that buying high-quality preferred stocks at discounted prices can set investors up for solid total returns.

Company

About Synchrony Financial.

Synchrony Financial is a consumer financial services company specializing in private label credit cards, co-branded credit products, and installment lending. Headquartered in Stamford, Connecticut, the company partners with retailers, healthcare providers, manufacturers, and digital platforms to offer financing solutions at the point of sale. Synchrony Financial focuses on sectors such as retail, digital commerce, health and wellness, home, automotive, and pet-related services, helping merchants integrate payment options that support customer purchases and loyalty. Its offerings include revolving credit, promotional financing, and customized credit programs tailored to partner needs. By combining underwriting expertise with data analytics and digital capabilities, Synchrony Financial plays a significant role in enabling consumer spending and supporting partner growth across a wide range of industries.

CEO Mr. Brian D. Doubles · 20,000 employees · United States · https://www.synchrony.com