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SYFSYFFinancial Services · Credit Services

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

Last close, 14 Aug 2026
$81
+1.15% on the day

The 24 Wall Street analysts covering Synchrony Financial hold a median 12-month price target of $88 — +8.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 75 of 100 as at 15 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
+3.1%
1M
+10.4%
YTD
−1.7%
1Y
+13.1%
From 52W high
−7.3%
From 52W low
+28.1%
$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 15 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
89
Issuance
81
Quality
79
Volatility
77
Momentum
76
Growth
57
Revisions
50
Accruals
47
Size
9

Value (89): 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.

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
15 Buy9 Hold0 Sell
Low $78Median $88High $104

The green dot is the last close — the median target sits +8.6% 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 2026BairdMaintainsOutperform—
22 July 2026RBC CapitalMaintainsSector Perform$85 → $80
22 July 2026RBC CapitalMaintainsSector Perform—
22 July 2026Wells FargoMaintainsOverweight—
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$89 → $90
7 July 2026TD CowenMaintainsBuy—
7 July 2026UBSMaintainsNeutral$77 → $84
7 July 2026UBSMaintainsNeutral—
22 May 2026Loop CapitalInitiatesHold—
23 Apr 2026Truist SecuritiesMaintainsHold—
22 Apr 2026BairdMaintainsOutperform—
22 Apr 2026BarclaysMaintainsOverweight—

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.

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
14
Analysts cutting
2
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 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 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.$25.5B
40
SOFISoFi Technologies, Inc.$23.1B
34
ALLYAlly Financial, Inc.$13.7B
70
PYPLPayPal Holdings, Inc.$55.5B
69
FCFSFirstCash Holdings, Inc.$9.4B
78
OMFOneMain Holdings, Inc.$7.7B
75

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

Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation

PRNewsWire · 13 Aug 2026positive

Synchrony announced the appointment of Nimrod Barak as Chief AI Officer, effective June 30, 2026, as part of an effort to accelerate its innovation strategy. The appointment was announced on Aug. 13, 2026.

Why it matters — The creation of a Chief AI Officer role signals Synchrony's focus on leveraging artificial intelligence in its consumer financial services operations, which may interest investors tracking the company's innovation strategy.

Can SYF Turn Record Purchase Volume Into Stronger Earnings?

Zacks Investment Research · 13 Aug 2026positive

Synchrony Financial has reported record purchase volume and rising card spending, which could help lift loan receivables and earnings in the second half of 2026, according to Zacks Investment Research.

Why it matters — SYF watchers would care because stronger receivables growth from record card usage could translate into improved earnings for the company later in 2026.

New CareCredit Research Finds Americans Want to Stay Active and Age Well, but Many Overlook Chiropractic Care

PRNewsWire · 13 Aug 2026neutral

A new CareCredit-funded survey (the National ChiroIQ study) found that while 92% of Americans value preventive care, fewer than half view chiropractic care as part of a long-term wellness lifestyle. The research indicated that trying chiropractic care increases positive views from 73% to 96%.

Why it matters — Since CareCredit is Synchrony's healthcare financing product, consumer perceptions of chiropractic care directly affect demand for CareCredit's wellness-related payment plans.

Synchrony and PayPal Bring Special Financing to Entire Mastercard Network

PYMNTS · 10 Aug 2026positive

Synchrony and PayPal have expanded special financing for PayPal Credit Card cardholders to the entire Mastercard network, making it available both online and in-store.

Why it matters — This broadened availability could drive higher card usage and transaction volume across Synchrony's PayPal partnership.

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.

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, 15 rate it a Buy, 9 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 15 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank SYF?

As at 15 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 (89 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 +8.6% from the last close, and Ticker Nerd's factor model ranks Synchrony Financial 75 out of 100 as at 15 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 +13.1% over the 12 months to 14 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 (PRNewsWire, 13 Aug 2026): "Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation". Synchrony announced the appointment of Nimrod Barak as Chief AI Officer, effective June 30, 2026, as part of an effort to accelerate its innovation strategy. The appointment was announced on Aug. 13, 2026.

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