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SYF
Volume: 2.94M

Synchrony Financial (SYF) Stock Forecast & Price Target

Synchrony Financial (SYF) Analyst Ratings

Based on 17 analyst ratings
Buy
Strong Buy 24%
Buy 41%
Hold 35%
Sell 0%
Strong Sell 0%

Bulls say

Synchrony Financial is one of the top providers of private-label and co-branded credit cards, and its partnership with other firms for marketing credit products in their physical and online stores is a key reason for a positive outlook. With consistent share repurchases, strong credit performance, and new account growth, Synchrony continues to show positive fundamentals. However, there may be earnings risks related to merchant relationships and worries about non-co-branded/dual-card growth. Additionally, while lower Fed Funds Rate cuts could have a negative impact on deposit betas, Synchrony's recent APR rate hikes may become margin-enhancing. Overall, the company's outlook is optimistic and depends on executing growth in its new partnerships and expanding margins.

Bears say

Synchrony Financial is expected to face challenges in the next few quarters due to increasing economic pressure on merchants and a slowdown in spending growth. Additionally, the company's non-co-branded cards are underperforming, while its co-brand card spend and lend show some promise. However, lower loss estimates and potential margin-enhancing rate cuts could help mitigate these challenges, but our analysis suggests that the company's EPS for 2026 is likely to be at the lower end of its guidance range and below analyst consensus. Overall, we believe that Synchrony's current valuation adequately reflects these upsides and risks and we have downgraded our rating to Neutral with a price target of $74-$84. The primary downside risks to our rating include potential loan growth and credit performance disruptions, while the upside risks include further improvement in credit performance and potential cost control measures to drive top line growth.

Synchrony Financial (SYF) has been analyzed by 17 analysts, with a consensus rating of Buy. 24% of analysts recommend a Strong Buy, 41% recommend Buy, 35% 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 17 analysts, Synchrony Financial (SYF) has a Buy consensus rating as of Jul 18, 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 $87.47, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $87.47, 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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