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SYF
Volume: 3.04M

Synchrony Financial (SYF) Stock Forecast & Price Target

Synchrony Financial (SYF) Analyst Ratings

Based on 18 analyst ratings
Buy
Strong Buy 28%
Buy 39%
Hold 33%
Sell 0%
Strong Sell 0%

Bulls say

Synchrony Financial is expected to continue with its positive growth trajectory as indicated by its strong new account origination growth rate and lowered loss estimates. Additionally, while the company may face headwinds in terms of declining RSA margins and potential competition from debt consolidation lenders, its strong credit performance and partnerships with major retailers position it for further growth. However, as Synchrony continues to invest in new products and partnerships, controlling expenses will be crucial in maintaining its long-term efficiency ratio target. Overall, the company's current valuation takes into account both the positive and negative factors of its business, making it a solid investment option for the next 12 months.

Bears say

Synchrony Financial is facing uncertainty regarding the growth of its non-cobrand card sector, with a decrease of 6%-8% y/y. Additionally, rate cuts may negatively impact the company's margins, despite implementing APR rate hikes. Furthermore, while there were encouraging signs in its co-brand card sector, it is unclear what it will take for the non-co-branded cards to see growth. On the positive side, Synchrony has a strong capital generation with consistent share repurchases, and the credit improvement trend is expected to continue through 2026. However, risks include competitive pressure from credit card debt consolidation lenders and potential decreases in net interest margins from lower yielding products. Overall, Synchrony's current valuation does not adequately reflect its potential upsides and downsides, with a 10x P/E multiple on the $9.30 midpoint of 2026 EPS guidance and a 2.4x TBV on 25% 2026 ROTCE both being appropriate valuation metrics, implying a range of $74-$84 on SYF shares.

Synchrony Financial (SYF) has been analyzed by 18 analysts, with a consensus rating of Buy. 28% of analysts recommend a Strong Buy, 39% recommend Buy, 33% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Synchrony Financial and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Synchrony Financial (SYF) Forecast

Analysts have given Synchrony Financial (SYF) a Buy based on their latest research and market trends.

According to 18 analysts, Synchrony Financial (SYF) has a Buy consensus rating as of Jun 2, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $86.06, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $86.06, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Synchrony Financial (SYF)

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