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SYF Stock Forecast 2026-2027
$73.14
Current Price
$24.60B
Market Cap
Buy 15
Hold 8
Sell 0
Wall St Analyst Ratings
Distance to SYF Price Targets
+40.8%
To High Target of $103.00
+23.1%
To Median Target of $90.00
+5.3%
To Low Target of $77.00
SYF Price Momentum
-3.5%
1 Week Change
+0.9%
1 Month Change
+31.5%
1 Year Change
-12.3%
Year-to-Date Change
-17.6%
From 52W High of $88.77
+34.5%
From 52W Low of $54.36
📊 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 36 Wall Street analysts, SYF has a bullish consensus with a median price target of $90.00 (ranging from $77.00 to $103.00). The overall analyst rating is Strong Buy (8.3/10). Currently trading at $73.14, the median forecast implies a 23.1% upside. This outlook is supported by 15 Buy, 8 Hold, and 0 Sell ratings.
Conversely, the most conservative target is provided by David Scharf at JMP Securities, suggesting a 5.3% upside.
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
15
Buy
8
Hold
0
Sell
SYF Price Target Range
Low
$77.00
Average
$90.00
High
$103.00
Current: $73.14
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 |
|---|---|---|---|---|---|
| Apr 23, 2026 | Truist Securities | Brian Foran | Hold | Maintains | $82.00 |
| Apr 22, 2026 | BTIG | Vincent Caintic | Neutral | Downgrade | $N/A |
| Apr 22, 2026 | Barclays | Terry Ma | Overweight | Maintains | $93.00 |
| Apr 22, 2026 | Baird | Brennan Crowley | Outperform | Maintains | $86.00 |
| Apr 9, 2026 | Wells Fargo | Donald Fandetti | Overweight | Maintains | $95.00 |
| Apr 9, 2026 | JP Morgan | Richard Shane | Neutral | Maintains | $73.00 |
| Apr 6, 2026 | Barclays | Terry Ma | Overweight | Maintains | $82.00 |
| Apr 6, 2026 | Evercore ISI Group | John Pancari | Outperform | Maintains | $80.00 |
| Mar 23, 2026 | Truist Securities | Brian Foran | Hold | Maintains | $71.00 |
| Mar 11, 2026 | BTIG | Vincent Caintic | Buy | Reiterates | $96.00 |
| Feb 13, 2026 | Baird | Brennan Crowley | Outperform | Upgrade | $83.00 |
| Jan 29, 2026 | Truist Securities | Brian Foran | Hold | Maintains | $84.00 |
| Jan 28, 2026 | JP Morgan | Richard Shane | Neutral | Maintains | $84.00 |
| Jan 28, 2026 | Barclays | Terry Ma | Overweight | Maintains | $93.00 |
| Jan 28, 2026 | BTIG | Vincent Caintic | Buy | Maintains | $96.00 |
| Jan 28, 2026 | RBC Capital | Jon G. Arfstrom | Sector Perform | Maintains | $85.00 |
| Jan 12, 2026 | JP Morgan | Richard Shane | Neutral | Maintains | $86.00 |
| Jan 8, 2026 | TD Cowen | Moshe Orenbuch | Buy | Maintains | $100.00 |
| Jan 6, 2026 | Barclays | Terry Ma | Overweight | Maintains | $101.00 |
| Jan 5, 2026 | Wells Fargo | Donald Fandetti | Overweight | Maintains | $100.00 |
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.
SYF
Synchrony
mkt cap
25.53B
Synchrony Financial (SYF) Financial Data
Synchrony Financial has a market capitalization of $24.60B with a P/E ratio of 7.6x. The company generates $9.89B in trailing twelve-month revenue with a 36.4% profit margin.
Revenue growth is +6.1% quarter-over-quarter, while maintaining an operating margin of +48.0% and return on equity of +21.8%.
Valuation Metrics
Market Cap
$24.60B
Enterprise Value
$22.03B
P/E Ratio
7.6x
PEG Ratio
0.4x
Price/Sales
2.5x
Growth & Margins
Revenue Growth (YoY)
+6.1%
Gross Margin
N/A
Operating Margin
+48.0%
Net Margin
+36.4%
EPS Growth
+6.3%
Financial Health
Cash/Price Ratio
+83.4%
Current Ratio
N/A
Debt/Equity
1.0x
ROE
+21.8%
ROA
+3.0%
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Synchrony Financial (SYF) Business Model
About Synchrony Financial
What They Do
Provides consumer financial services and credit solutions.
Business Model
The company generates revenue primarily through interest income from credit products, fees from retailers, and financial services partnerships. By offering a range of financing solutions like credit cards and installment loans, Synchrony Financial effectively monetizes consumer spending while fostering customer loyalty through tailored financial products.
Additional Information
Headquartered in Stamford, Connecticut, Synchrony Financial partners with a diverse array of sectors, including healthcare and retail. Its notable products, such as CareCredit and various high-yield savings accounts, cater to both consumer needs and merchant requirements, positioning the company as a key player in facilitating everyday purchases and access to credit.
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
Latest News
Quick Summary
Synchrony and DICK'S Sporting Goods launched the DICK'S Credit Card, offering 10% back in rewards on qualifying purchases, enhancing value and convenience for athletes.
Why It Matters
The revamped DICK'S Credit Card enhances customer loyalty and spending, potentially boosting sales and profitability for DICK'S Sporting Goods, positively impacting its stock performance.
Source: PRNewsWire
Market Sentiment:
Neutral
From Saving Today to Investing Tomorrow Most Consumers Want Financial Literacy Taught in Schools
10 days ago
Quick Summary
A Synchrony survey reveals 39% of consumers learned personal finance in school; 70% support financial literacy education, and 75% view it as a lifelong journey, highlighting education gaps.
Why It Matters
Consumer confidence and financial literacy trends impact spending behaviors and credit access, influencing retail performance and potential investment opportunities in financial education services.
Source: PRNewsWire
Market Sentiment:
Neutral
Quick Summary
Synchrony has expanded its partnership with Lowe's by launching the MyLowe's Pro Rewards American Express® Card, usable anywhere American Express is accepted, enhancing customer rewards.
Why It Matters
The expanded partnership between Synchrony and Lowe's enhances customer engagement and spending potential, potentially increasing revenue for both companies and positively impacting their stock performance.
Source: PRNewsWire
Market Sentiment:
Neutral
Forget SCHD: Build A Portfolio That Pays You
8 days ago
Quick Summary
Investors are advised to focus on portfolio components that meet their specific requirements, with top picks offering yields up to 8% in qualified dividend income (QDI).
Why It Matters
Emphasizes the need for strategic portfolio construction over trends, highlighting potential high-yield investments, which can attract income-focused investors.
Source: Seeking Alpha
Market Sentiment:
Negative
Quick Summary
The leading creative software company has experienced a decline in stock price but has announced a $25 billion buyback plan, indicating confidence in its share value.
Why It Matters
The stock price decline indicates market skepticism, while the $25 billion buyback plan signals management's confidence in undervalued shares, potentially boosting future stock performance.
Source: MarketBeat
Market Sentiment:
Neutral
Quick Summary
Synchrony's latest quarter shows consumers are using credit cards for spending and liquidity management, maintaining balance despite ongoing affordability pressures.
Why It Matters
Continued reliance on credit cards signals consumer confidence despite economic pressures, potentially benefiting financial institutions like Synchrony and indicating stable demand in the credit sector.
Source: PYMNTS
Market Sentiment:
Positive
Frequently Asked Questions About SYF Stock
What is Synchrony Financial's (SYF) stock forecast for 2026?
Based on our analysis of 36 Wall Street analysts, Synchrony Financial (SYF) has a median price target of $90.00. The highest price target is $103.00 and the lowest is $77.00.
Is SYF stock a good investment in 2026?
According to current analyst ratings, SYF has 15 Buy ratings, 8 Hold ratings, and 0 Sell ratings. The stock is currently trading at $73.14. 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 $90.00 in the next 12 months. This represents a 23.1% increase from the current price of $73.14. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Synchrony Financial's business model?
The company generates revenue primarily through interest income from credit products, fees from retailers, and financial services partnerships. By offering a range of financing solutions like credit cards and installment loans, Synchrony Financial effectively monetizes consumer spending while fostering customer loyalty through tailored financial products.
What is the highest forecasted price for SYF Synchrony Financial?
The highest price target for SYF is $103.00 from at , which represents a 40.8% increase from the current price of $73.14.
What is the lowest forecasted price for SYF Synchrony Financial?
The lowest price target for SYF is $77.00 from David Scharf at JMP Securities, which represents a 5.3% increase from the current price of $73.14.
What is the overall SYF consensus from analysts for Synchrony Financial?
The overall analyst consensus for SYF is bullish. Out of 36 Wall Street analysts, 15 rate it as Buy, 8 as Hold, and 0 as Sell, with a median price target of $90.00.
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: May 9, 2026 2:27 PM UTC