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SYF
Volume: 2.38M

Synchrony Financial (SYF) Stock Forecast & Price Target

Synchrony Financial (SYF) Analyst Ratings

Based on 17 analyst ratings
Buy
Strong Buy 29%
Buy 41%
Hold 29%
Sell 0%
Strong Sell 0%

Bulls say

Synchrony Financial has successfully stabilized its loss rates within the targeted long-term ranges, enabling the company to enhance its pricing and fee structures, which sets the stage for accelerated spending and lending growth while expanding risk-adjusted margins. The firm is projected to attain an inflection point in positive loan growth potentially by March, fueled by new partnerships with significant retailers, such as Walmart and Lowe's, as well as growing involvement in the buy now, pay later segment with Amazon. Moreover, credit improvement trends are expected to persist through 2026, reinforcing Synchrony's position in the point-of-sale finance market and improving its overall financial health.

Bears say

The financial outlook for Synchrony Financial is characterized by concerns over lowered loan growth projections and a tightening of underwriting standards, which could adversely affect their revenue generation. Despite the stock trading at a seemingly low price-to-earnings ratio of 7.8x against the 2026 earnings per share guidance, the recent adjustments to expectations and the impact of elevated payment rates suggest a weakening demand environment. Additionally, the company’s inability to make necessary adjustments to its credit actions, alongside increased delinquencies and losses, indicates potential risks that could further dampen investor confidence in its financial stability.

Synchrony Financial (SYF) has been analyzed by 17 analysts, with a consensus rating of Buy. 29% of analysts recommend a Strong Buy, 41% recommend Buy, 29% 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 Apr 16, 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 $84.88, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $84.88, 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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