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SYF Stock Forecast 2025-2026
$79.78
Current Price
$29.90B
Market Cap
Buy 14
Hold 8
Sell 1
Wall St Analyst Ratings
Distance to SYF Price Targets
+25.3%
To High Target of $100.00
+6.5%
To Median Target of $85.00
-24.8%
To Low Target of $60.00
SYF Price Momentum
+1.1%
1 Week Change
+9.0%
1 Month Change
+17.4%
1 Year Change
+22.7%
Year-to-Date Change
-1.5%
From 52W High of $80.98
+96.8%
From 52W Low of $40.55
📊 TOP ANALYST CALLS
Did SYF Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if Synchrony is one of their latest high-conviction picks.
Latest SYF Stock Price Targets & Analyst Predictions
Based on our analysis of 34 Wall Street analysts, SYF has a bullish consensus with a median price target of $85.00 (ranging from $60.00 to $100.00). The overall analyst rating is Strong Buy (8.1/10). Currently trading at $79.78, the median forecast implies a 6.5% upside. This outlook is supported by 14 Buy, 8 Hold, and 1 Sell ratings.
The most optimistic forecast comes from Vincent Caintic at BTIG, projecting a 25.3% upside. Conversely, the most conservative target is provided by Donald Fandetti at Wells Fargo, suggesting a 24.8% downside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
SYF Analyst Ratings
14
Buy
8
Hold
1
Sell
SYF Price Target Range
Low
$60.00
Average
$85.00
High
$100.00
Current: $79.78
Latest SYF Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for SYF.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Dec 5, 2025 | Baird | Brennan Crowley | Neutral | Downgrade | $82.00 |
| Oct 17, 2025 | Truist Securities | Brian Foran | Hold | Maintains | $78.00 |
| Oct 16, 2025 | Barclays | Terry Ma | Overweight | Maintains | $86.00 |
| Oct 16, 2025 | BTIG | Vincent Caintic | Buy | Reiterates | $100.00 |
| Oct 16, 2025 | Wells Fargo | Donald Fandetti | Overweight | Maintains | $85.00 |
| Oct 10, 2025 | HSBC | Saul Martinez | Buy | Upgrade | $81.00 |
| Oct 7, 2025 | UBS | Erika Najarian | Neutral | Maintains | $79.00 |
| Oct 7, 2025 | JP Morgan | Richard Shane | Neutral | Downgrade | $75.00 |
| Oct 6, 2025 | Barclays | Terry Ma | Overweight | Maintains | $83.00 |
| Oct 1, 2025 | Keefe, Bruyette & Woods | Sanjay Sakhrani | Outperform | Maintains | $86.00 |
| Sep 30, 2025 | Evercore ISI Group | John Pancari | Outperform | Maintains | $84.00 |
| Sep 29, 2025 | Morgan Stanley | Jeff Adelson | Equal-Weight | Maintains | $82.00 |
| Sep 25, 2025 | JMP Securities | David M. Scharf | Market Outperform | Maintains | $88.00 |
| Sep 11, 2025 | B of A Securities | Mihir Bhatia | Buy | Maintains | $80.00 |
| Jul 24, 2025 | Truist Securities | Brian Foran | Hold | Maintains | $76.00 |
| Jul 23, 2025 | Barclays | Terry Ma | Overweight | Maintains | $80.00 |
| Jul 23, 2025 | Wells Fargo | Donald Fandetti | Overweight | Maintains | $80.00 |
| Jul 23, 2025 | RBC Capital | Jon Arfstrom | Sector Perform | Maintains | $78.00 |
| Jul 17, 2025 | JMP Securities | David Scharf | Market Outperform | Maintains | $77.00 |
| Jul 14, 2025 | BTIG | Vincent Caintic | Buy | Upgrade | $N/A |
Synchrony Financial (SYF) Competitors
The following stocks are similar to Synchrony based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
Synchrony Financial (SYF) Financial Data
Synchrony Financial has a market capitalization of $29.90B with a P/E ratio of 8.8x. The company generates $9.64B in trailing twelve-month revenue with a 37.1% profit margin.
Revenue growth is +20.7% quarter-over-quarter, while maintaining an operating margin of +53.4% and return on equity of +21.6%.
Valuation Metrics
Market Cap
$29.90B
Enterprise Value
$28.35B
P/E Ratio
8.8x
PEG Ratio
0.2x
Price/Sales
3.1x
Growth & Margins
Revenue Growth (YoY)
+20.7%
Gross Margin
N/A
Operating Margin
+53.4%
Net Margin
+37.1%
EPS Growth
+36.5%
Financial Health
Cash/Price Ratio
+56.5%
Current Ratio
N/A
Debt/Equity
0.8x
ROE
+21.6%
ROA
+3.0%
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Synchrony Financial (SYF) Business Model
About Synchrony Financial
What They Do
Provides private-label credit card solutions.
Business Model
The company partners with retailers, manufacturers, and healthcare providers to offer customized credit solutions, primarily through private-label credit cards. It generates revenue by facilitating consumer financing options such as promotional financing, installment lending, and loyalty programs, which help enhance customer retention for its partners.
Additional Information
Founded in 2003 and headquartered in Stamford, Connecticut, Synchrony Financial is a significant issuer of private-label credit cards in the U.S. Its financial products not only promote accessible credit but also support economic activity across various sectors, including retail, health and wellness, automotive, and home.
Company Information
Sector
Financial Services
Industry
Credit Services
Employees
20,000
CEO
Mr. Brian D. Doubles
Country
United States
IPO Year
2014
Website
www.synchrony.comSynchrony Financial (SYF) Latest News & Analysis
Featured Analysis
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Zacks Investment Research
Why Is Virtu Financial (VIRT) Up 2.1% Since Last Earnings Report?
Virtu Financial (VIRT) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.
Nov 28, 2025
By Zacks Equity Research
Realtime BLOG
Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick?
Does COF's rising NII and Discover deal make it a better pick than SYF amid its partnerships and pressure on revenues? Let's find out.
Nov 27, 2025
By Ronit Masi
Analyst Blog
Latest News
Quick Summary
Synchrony CEO Brian D. announced developments in Stamford, Conn. on Dec. 2, 2025. Further details on company performance or initiatives were not provided in the excerpt.
Why It Matters
Leadership changes at Synchrony could impact company strategy and performance, affecting stock price and investor confidence.
Source: PRNewsWire
Market Sentiment:
Neutral
Quick Summary
Synchrony and Mitsubishi Electric Trane HVAC US LLC have renewed their financing partnership, enabling homeowners to access customizable HVAC financing through digital applications.
Why It Matters
The renewal of the financing partnership between Synchrony and METUS enhances consumer access to HVAC solutions, potentially boosting sales and market growth, positively impacting investors in both companies.
Source: PRNewsWire
Market Sentiment:
Neutral
Quick Summary
COF's increasing net interest income and the Discover deal may position it more favorably than SYF, which is facing revenue pressures despite its partnerships.
Why It Matters
Rising net interest income (NII) and the Discover deal could enhance COF's profitability, making it a potentially stronger investment compared to SYF amid revenue pressures.
Source: Zacks Investment Research
Market Sentiment:
Negative
Quick Summary
Synchrony and The Toro Company launched a credit card program to enhance dealer sales through flexible financing for Toro, Exmark, Spartan, and Z Turf products.
Why It Matters
The launch of a credit card program by Synchrony and The Toro Company may enhance sales and customer engagement, potentially boosting revenue and stock performance for both companies.
Source: PRNewsWire
Market Sentiment:
Neutral
Quick Summary
Synchrony and The Toro Company have launched a co-branded credit card aimed at enhancing dealer sales through streamlined financing and digital tools.
Why It Matters
The co-branded credit card can enhance customer loyalty and drive sales for both companies, potentially increasing revenue and improving stock performance.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Synchrony (SYF) reported earnings 30 days ago; investors should monitor upcoming developments and stock performance for potential impacts.
Why It Matters
Synchrony's recent earnings report can influence investor sentiment and stock performance, impacting valuation and future growth expectations.
Source: Zacks Investment Research
Market Sentiment:
Positive
Frequently Asked Questions About SYF Stock
What is Synchrony Financial's (SYF) stock forecast for 2026?
Based on our analysis of 34 Wall Street analysts, Synchrony Financial (SYF) has a median price target of $85.00. The highest price target is $100.00 and the lowest is $60.00.
Is SYF stock a good investment in 2026?
According to current analyst ratings, SYF has 14 Buy ratings, 8 Hold ratings, and 1 Sell ratings. The stock is currently trading at $79.78. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for SYF stock?
Wall Street analysts predict SYF stock could reach $85.00 in the next 12 months. This represents a 6.5% increase from the current price of $79.78. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Synchrony Financial's business model?
The company partners with retailers, manufacturers, and healthcare providers to offer customized credit solutions, primarily through private-label credit cards. It generates revenue by facilitating consumer financing options such as promotional financing, installment lending, and loyalty programs, which help enhance customer retention for its partners.
What is the highest forecasted price for SYF Synchrony Financial?
The highest price target for SYF is $100.00 from Vincent Caintic at BTIG, which represents a 25.3% increase from the current price of $79.78.
What is the lowest forecasted price for SYF Synchrony Financial?
The lowest price target for SYF is $60.00 from Donald Fandetti at Wells Fargo, which represents a -24.8% decrease from the current price of $79.78.
What is the overall SYF consensus from analysts for Synchrony Financial?
The overall analyst consensus for SYF is bullish. Out of 34 Wall Street analysts, 14 rate it as Buy, 8 as Hold, and 1 as Sell, with a median price target of $85.00.
How accurate are SYF stock price projections?
Stock price projections, including those for Synchrony Financial, are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: December 9, 2025 4:04 AM UTC