SYFFinancial Services · Credit ServicesThe 23 Wall Street analysts covering Synchrony Financial hold a median 12-month price target of $90 — +25.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 76 of 100 as at 2 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.
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.
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): 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 (9): 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.
The bullish and bearish analyst opinions on SYF, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +25.4% from it.
Of the 20 most recent actions, 6 moved their price target up and 5 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 1 Oct 2026 | Evercore ISI Group | Maintains | Outperform | $86 → $80 |
| 25 Aug 2026 | Wolfe Research | Maintains | Outperform | $85 → $90 |
| 3 Aug 2026 | UBS | Maintains | Neutral | — |
| 3 Aug 2026 | UBS | Maintains | Neutral | $84 → $87 |
| 28 July 2026 | Evercore ISI Group | Maintains | Outperform | — |
| 28 July 2026 | Evercore ISI Group | Maintains | Outperform | $90 → $86 |
| 22 July 2026 | Baird | Maintains | Outperform | $86 → $90 |
| 22 July 2026 | Baird | Maintains | Outperform | — |
| 22 July 2026 | RBC Capital | Maintains | Sector Perform | $85 → $80 |
| 22 July 2026 | RBC Capital | Maintains | Sector Perform | — |
| 22 July 2026 | Wells Fargo | Maintains | Overweight | $95 → $88 |
| 22 July 2026 | Wells Fargo | Maintains | Overweight | — |
| 13 July 2026 | HSBC | Maintains | Buy | $93 → $97 |
| 13 July 2026 | HSBC | Maintains | Buy | — |
| 13 July 2026 | JP Morgan | Maintains | Neutral | $81 → $78 |
| 13 July 2026 | JP Morgan | Maintains | Neutral | — |
| 7 July 2026 | TD Cowen | Maintains | Buy | — |
| 7 July 2026 | TD Cowen | Maintains | Buy | $89 → $90 |
| 7 July 2026 | UBS | Maintains | Neutral | — |
| 7 July 2026 | UBS | Maintains | Neutral | $77 → $84 |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 2 Oct 2026, Synchrony Financial returned +3.8% against +16.2% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 62% of US stocks
Cheaper than 48% of US stocks
Cheaper than 53% of US stocks
Higher than 29% of US stocks
Higher than 28% of US stocks
Higher than 96% of US stocks
Higher than 93% of US stocks
Higher than 82% of US stocks
Higher than 65% of US stocks
Higher than 41% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $23.4B and an enterprise value of $25.3B.
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.
Trailing P/E: 7.4×; forward P/E: 6.9× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 1.89%, paying out 12% of earnings.
Synchrony Financial employs 20,000 people — $752K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
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 →
Synchrony is embedding its CareCredit financing into Vetspire's veterinary practice platform. The tie-up expands veterinary payment access and opens up room for further clinic adoption of CareCredit.
Why it matters — A SYF watcher would care because deeper integration into veterinary software platforms could broaden CareCredit's reach and drive wider adoption across clinics.
Synchrony Financial (SYF) is focusing on building consumer trust—through fraud protection, transparency, and user control—as a key driver in its AI-powered shopping opportunity. The company sees these trust factors as shaping how far consumers will go in adopting AI shopping.
Why it matters — For SYF watchers, this signals the company's strategic positioning in the growing AI shopping space, where trust is seen as critical to unlocking consumer adoption and engagement.
CareCredit announced a partnership with Vetspire to integrate its embedded financing directly into Vetspire's AI-enabled practice platform. The collaboration aims to streamline operations, improve client engagement, and support timely pet care for veterinary teams.
Why it matters — This expands CareCredit's reach into the veterinary market through a technology integration that could broaden its financing customer base.
Synchrony, in partnership with Oxford Economics, released research on consumer attitudes toward AI-assisted shopping. The findings show that data security (82%), transparency (77%), and fraud protection (67%) matter more to consumers than time savings (58%) when deciding whether to let AI make purchases.
Why it matters — The research offers Synchrony insights into consumer preferences around security and fraud protection that could inform its AI-powered shopping and payments offerings.
A Seeking Alpha article describes Synchrony Financial as a compounding investment opportunity, citing its 20%-plus return on equity combined with a single-digit earnings multiple and aggressive share buybacks as central to the thesis. The analysis suggests the investment case works without meaningful organic growth, with any growth acceleration serving as a potential tailwind.
Why it matters — SYF watchers would care because the piece highlights the company's profitability, valuation, and buyback strategy as key factors in its investment appeal.
The 23 Wall Street analysts covering Synchrony Financial have a median 12-month price target of $90, with estimates ranging from $78 to $104. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 23 analysts covering Synchrony Financial, 16 rate it a Buy, 7 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 2 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 2 Oct 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).
No one can know that. What the data says: the median 12-month target from 23 analysts implies +25.4% from the last close, and Ticker Nerd's factor model ranks Synchrony Financial 76 out of 100 as at 2 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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.
Synchrony Financial returned +3.8% over the 12 months to 2 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
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.
The most recent item we track (Zacks Investment Research, 2 Oct 2026): "Synchrony Deepens CareCredit's Veterinary Reach With Vetspire Tie-Up". Synchrony is embedding its CareCredit financing into Vetspire's veterinary practice platform. The tie-up expands veterinary payment access and opens up room for further clinic adoption of CareCredit.
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
