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SYFSYFFinancial Services · Credit Services

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

Last close, 4 Sept 2026
$80
+0.09% on the day

The 24 Wall Street analysts covering Synchrony Financial hold a median 12-month price target of $89 — +11.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 76 of 100 as at 7 Sept 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$26.0B
Ticker Nerd rank
76 / 100
Median analyst target
$89
Analysts covering
24
Revenue$3.7B+1.9% y/y
Net income$885.0M
Free cash flow$2.4B
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+2.4%
1M
+1.5%
YTD
−3.0%
1Y
+5.7%
From 52W high
−8.5%
From 52W low
+26.4%
$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 7 Sept 2026
76 / 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
92
Issuance
82
Quality
80
Volatility
80
Momentum
76
Growth
58
Revisions
51
Accruals
47
Size
8

Value (92): 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 (47): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Size (8): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

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 $89Low $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.

Data provided by Twelve Data

What Wall Street says24 analysts
15 Buy9 Hold0 Sell
Low $78Median $89High $104

The green dot is the last close — the median target sits +11.4% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 6 moved their price target up and 4 moved it down.

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

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

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.

Performance

SYF vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Sept 2026, Synchrony Financial returned +5.7% against +20.0% for the S&P 500, dividends included.

SYF vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120Oct 25Jan 26Apr 26Jul 26SYFS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

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
+0.9%
Analysts raising
13
Analysts cutting
3
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
8.2×

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 29% of US stocks

Earnings growth (YoY)
−8.5%

Higher than 27% of US stocks

Gross margin
—
Operating margin
50.2%

Higher than 96% of US stocks

Net margin
35.5%

Higher than 93% of US stocks

Returns & dividend
Return on equity
20.8%

Higher than 82% of US stocks

Return on assets
2.9%

Higher than 64% of US stocks

Dividend yield
1.7%

Higher than 39% of US dividend payers

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

Key statistics

Synchrony Financial (SYF) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Synchrony Financial has a market value of $26.0B and an enterprise value of $28.0B.

  • Revenue in the twelve months to 30 June 2026: $15.0B. The latest quarter grew 0.6% year on year.

  • Net income over the same four quarters: $3.5B, a 23.4% net margin.

  • Diluted earnings per share, trailing twelve months: $9.76.

  • Free cash flow in the twelve months to 30 June 2026: $9.7B.

  • Synchrony Financial spent $3.6B on share buybacks and $503.0M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 325.0M.

  • Trailing P/E: 8.2×; forward P/E: 7.6× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 1.70%, paying out 12% of earnings.

  • Synchrony Financial employs 20,000 people — $752K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 8 Sept 2026

Data provided by Twelve Data

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$26.0B
76
AFRMAffirm Holdings, Inc.$23.6B
52
SOFISoFi Technologies, Inc.$23.0B
35
PYPLPayPal Holdings, Inc.$49.4B
71
ALLYAlly Financial, Inc.$13.3B
73
FCFSFirstCash Holdings, Inc.$9.9B
74
OMFOneMain Holdings, Inc.$7.6B
76

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Synchrony Financial — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest SYF news & analysis

Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report?

Zacks Investment Research · 20 Aug 2026positive

Zacks reports that Synchrony Financial's stock has risen 9.4% since its last earnings report, which was released about 30 days ago. The article explores what might be next for the stock following that earnings announcement.

Why it matters — SYF watchers would care because the piece examines the stock's post-earnings performance and outlook, which is relevant when evaluating the company's recent results and market reaction.

Synchrony and OpenAI Partner to Drive Growth in Agentic Commerce

Zacks Investment Research · 18 Aug 2026positive

Synchrony Financial (SYF) has announced a partnership with OpenAI to integrate its financing, rewards, and loyalty offerings into AI-led shopping experiences as agentic commerce gains traction.

Why it matters — The partnership positions SYF to participate in the emerging AI-driven commerce space, potentially expanding its role in digital shopping.

Credit card issuer Synchrony announces partnership with OpenAI

CNBC · 18 Aug 2026positive

Synchrony Financial announced a collaboration with OpenAI, under which the artificial intelligence company's models will power the card issuer's consumer portals. The partnership was reported by CNBC.

Why it matters — A SYF watcher would care because adopting OpenAI's AI models in its consumer portals signals an investment in digital capabilities that could affect the customer experience.

Synchrony Debuts ChatGPT Plugin to Promote Offers

PYMNTS · 17 Aug 2026positive

Synchrony announced it will launch a ChatGPT plugin that lets consumers discover savings and offers from the Synchrony Marketplace within OpenAI's ChatGPT, including promotional financing and deals from partner brands. The plugin will be available in OpenAI's ChatGPT plugin directory.

Why it matters — A Synchrony watcher would care because this expansion into ChatGPT represents a new customer-facing channel for promoting offers and engaging consumers.

Credit card issuer Synchrony partners with OpenAI for ChatGPT shopping

CNBC · 17 Aug 2026neutral

Synchrony Financial is partnering with OpenAI to enable shoppers to buy products directly inside ChatGPT using store-branded cards. Synchrony issues credit cards for brands including Amazon, Walmart, and Lowe's.

Why it matters — A SYF watcher would care because this partnership could expand how Synchrony's store-branded cards are used in a new AI-driven shopping channel.

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 $89, 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, 15 rate it a Buy, 9 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Synchrony Financial 76 out of 100 across roughly 4,600 US stocks as at 7 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank SYF?

As at 7 Sept 2026, Synchrony Financial ranks 76 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 (92 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 +11.4% from the last close, and Ticker Nerd's factor model ranks Synchrony Financial 76 out of 100 as at 7 Sept 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 +5.7% over the 12 months to 4 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Synchrony Financial do?

Synchrony Financial is a consumer financial services company that provides credit products, installment lending, and banking services across the United States. The company specializes in private-label, co-branded, and general-purpose credit cards, along with promotional financing and point-of-sale lending programs for retail, health and wellness, home, auto, travel, and other partner industries.

What is the latest news on SYF?

The most recent item we track (Zacks Investment Research, 20 Aug 2026): "Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report?". Zacks reports that Synchrony Financial's stock has risen 9.4% since its last earnings report, which was released about 30 days ago. The article explores what might be next for the stock following that earnings announcement.

Company

About Synchrony Financial.

Synchrony Financial is a consumer financial services company that provides credit products, installment lending, and banking services across the United States. The company specializes in private-label, co-branded, and general-purpose credit cards, along with promotional financing and point-of-sale lending programs for retail, health and wellness, home, auto, travel, and other partner industries. Through its banking platform, Synchrony Financial also offers FDIC-insured savings products that support its broader consumer finance ecosystem. Its business model is centered on connecting consumers with financing at the point of purchase while helping merchants and service providers offer branded credit solutions. With a strong focus on digitally enabled financial products, Synchrony Financial plays a significant role in consumer credit, retail financing, and partner-based lending services.

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