Synchrony Financial (SYF) Stock Overview
Operates as a consumer financial services company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
SYF Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$105
FV
30.7% undervalued intrinsic discount5.83%
Revenue growth p.a.
43
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Synchrony Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$72.81 |
| 52 Week High | US$88.77 |
| 52 Week Low | US$63.08 |
| Beta | 1.31 |
| 1 Month Change | -3.83% |
| 3 Month Change | -4.97% |
| 1 Year Change | 1.01% |
| 3 Year Change | 108.86% |
| 5 Year Change | 54.23% |
| Change since IPO | 216.57% |
Recent News & Updates
Narrative Update • Jul 22
SYF: Future Loan Mix And Credit Cycle Trends Will Guide Fair Value
The analyst price target for Synchrony Financial is now $78, a $2 reduction that reflects a combination of slightly more conservative fair value assumptions and mixed Street views on growth and valuation. Analyst Commentary on Synchrony Financial Street research on Synchrony Financial currently shows a split view, with some firms lifting price targets and others turning more cautious.Seeking Alpha • Jul 21
Synchrony Financial: Card Holders Are Still Buying - So Should Stock Investors
Summary Synchrony Financial shares have declined despite solid purchase volume growth and improving loan balances. Loan growth is expected to drive higher net interest income in 2H 2026, with Net Interest Margin for the year forecasted at 15.5%, an improvement from 2025. Synchrony's aggressive buybacks and a 13.3% dividend provide attractive shareholder returns. The forward P/E is now a compelling 7.8. Series B preferreds (SYF.PR.B) are attractive for income investors. The dividend can reset higher in 2029 if rates remain elevated. Series A preferreds (SYF.PR.A) offer more stability in the event of declining interest rates with a lower price and a fixed coupon. Read the full article on Seeking AlphaNarrative Update • Jul 07
SYF: Future Loan Mix And Credit Cycle Trends Will Shape Fair Value
The analyst fair value estimate for Synchrony Financial has moved from $77.00 to $80.00 as analysts incorporate higher published price targets, including recent raises from several firms alongside new Hold initiations that highlight expectations for steadier revenue growth, modestly better profit margins, a slightly lower discount rate, and a revised forward P/E assumption. Analyst Commentary Recent Street research on Synchrony Financial reflects a mixed backdrop, with several firms lifting price targets while others flagging areas where the stock's risk and reward look more finely balanced.Recent updates
Narrative Update • Jul 22
SYF: Future Loan Mix And Credit Cycle Trends Will Guide Fair Value
The analyst price target for Synchrony Financial is now $78, a $2 reduction that reflects a combination of slightly more conservative fair value assumptions and mixed Street views on growth and valuation. Analyst Commentary on Synchrony Financial Street research on Synchrony Financial currently shows a split view, with some firms lifting price targets and others turning more cautious.Seeking Alpha • Jul 21
Synchrony Financial: Card Holders Are Still Buying - So Should Stock Investors
Summary Synchrony Financial shares have declined despite solid purchase volume growth and improving loan balances. Loan growth is expected to drive higher net interest income in 2H 2026, with Net Interest Margin for the year forecasted at 15.5%, an improvement from 2025. Synchrony's aggressive buybacks and a 13.3% dividend provide attractive shareholder returns. The forward P/E is now a compelling 7.8. Series B preferreds (SYF.PR.B) are attractive for income investors. The dividend can reset higher in 2029 if rates remain elevated. Series A preferreds (SYF.PR.A) offer more stability in the event of declining interest rates with a lower price and a fixed coupon. Read the full article on Seeking AlphaNarrative Update • Jul 07
SYF: Future Loan Mix And Credit Cycle Trends Will Shape Fair Value
The analyst fair value estimate for Synchrony Financial has moved from $77.00 to $80.00 as analysts incorporate higher published price targets, including recent raises from several firms alongside new Hold initiations that highlight expectations for steadier revenue growth, modestly better profit margins, a slightly lower discount rate, and a revised forward P/E assumption. Analyst Commentary Recent Street research on Synchrony Financial reflects a mixed backdrop, with several firms lifting price targets while others flagging areas where the stock's risk and reward look more finely balanced.
Narrative Update • Jun 16
SYF: Capital Returns And New Partnerships Will Support Future Stock Repricing
Synchrony Financial's analyst price target is now set at $103.00, with analysts citing a modestly lower discount rate, slightly higher modeled revenue growth, and a small change in future P/E assumptions, partly balanced by a more conservative profit margin outlook and mixed recent research views, including new Hold ratings and several price target revisions across the Street. Analyst Commentary Recent research on Synchrony Financial highlights a mix of caution and optimism, with several bullish analysts adjusting price targets and focusing on execution around loan growth, credit performance, and earnings power.
Narrative Update • Jun 02
SYF: Future Returns Will Rely On Credit Resilience And Capital Returns
Narrative Update: Synchrony Financial The updated analyst price target for Synchrony Financial has been trimmed by about $1 to $89.22. Analysts are factoring in slightly lower revenue growth and profit margin assumptions, along with a modestly higher discount rate, while still using a similar forward P/E framework.Narrative Update • May 19
SYF: Future P/E Reset Will Balance Rate Cap And Credit Cycle Risks
Synchrony Financial's analyst fair value estimate has moved from $71.25 to $77.00, with analysts pointing to updated revenue growth assumptions, a modestly higher discount rate, slightly lower profit margin expectations, and a higher future P/E multiple following a series of recent price target changes across the Street. Analyst Commentary Recent Street research on Synchrony Financial has been mixed, with several firms adjusting price targets in both directions and at least one downgrade.Narrative Update • May 02
SYF: Buybacks And Dividend Increases Will Support Returns Through Sector Repricing
Analysts have adjusted the price target on Synchrony Financial by refining assumptions on the discount rate, revenue growth, profit margins and future P/E, drawing on a recent mix of target increases and cuts across the Street. Analyst Commentary Recent Street research on Synchrony Financial shows an active debate, with a mix of higher and lower price targets, rating changes and list removals.Narrative Update • Apr 16
SYF: Credit Execution And Buybacks Will Support Returns Despite Sector Repricing
The analyst price target for Synchrony Financial has been reduced by $11, as analysts factor in a more uncertain macro backdrop, sector wide target cuts, and lower market multiples for consumer finance stocks. Analyst Commentary Recent Street research on Synchrony Financial shows a cluster of price target reductions across the consumer finance group, as analysts incorporate a more cautious macro view and lower market multiples into their models.Narrative Update • Apr 02
SYF: Future P/E Reset Will Reflect Credit Card Rate Cap Risks
Synchrony Financial's updated analyst price target reflects a modest reset, with fair value shifting from $74.31 to $71.25 as analysts incorporate slightly lower profit margins and valuation multiples, while still acknowledging the stated revenue growth assumptions in a more cautious sector backdrop. Analyst Commentary Recent research on Synchrony reflects a shift toward more cautious positioning, with several bearish analysts trimming price targets and reassessing where the stock should trade in light of sector wide pressures and changing assumptions.Narrative Update • Mar 19
SYF: Future P/E Repricing Will Offset Rising Regulatory And Macro Risks
Analysts have trimmed the Synchrony Financial price target by a few dollars to $90. This reflects a mix of reduced fair value estimates and higher assumed discount rates as they factor in a tougher macro backdrop and lower sector multiples, even as they continue to cite resilient consumer finance fundamentals in recent research.Narrative Update • Mar 05
SYF: Future Returns Will Rely On Benign Credit And Aggressive Buybacks
Narrative Update The analyst price target for Synchrony Financial has been adjusted higher to $90.26 from $88.22, as analysts factor in slightly stronger modeled revenue growth and margins, set against a mixed backdrop of recent target cuts and upgrades across the consumer finance group. Analyst Commentary Recent research on Synchrony Financial reflects a split view, with bullish analysts lifting price targets and talking up the setup into upcoming quarters, while more cautious voices trim targets and question how durable the current credit and regulatory backdrop will be for card issuers and broader consumer finance names.Narrative Update • Feb 19
SYF: Balancing Rising Regulatory Threats With Higher Forward P E Expectations
Analysts have recalibrated their view on Synchrony Financial, lifting the modeled fair value from $42.00 to $74.38 as updated profit margin assumptions and higher forward P/E multiples filter through recent sector research alongside a mix of revised price targets across the Street. Analyst Commentary Street research on Synchrony Financial has been active, with a mix of higher and lower price targets and a few rating changes that give you a sense of how divided opinion is on the stock.Narrative Update • Feb 04
SYF: Stable Credit Trends And Share Repurchases Will Support Returns
Analysts have reduced their price targets on Synchrony Financial by mid single digit to high single digit dollar amounts. This reflects updated assumptions around discount rates, revenue growth, profit margins, and future P/E multiples following a mix of recent target raises and cuts across the Street.Narrative Update • Jan 21
SYF: Stable Credit Trends And Seasonal Loan Tailwinds Will Support Earnings
Analysts have raised their blended price target on Synchrony Financial to about $103 from roughly $84, citing a combination of higher assumed profit margins, a slightly higher future P/E multiple, and research that indicates stable credit trends, seasonal loan growth, and a generally supportive environment for consumer finance names. Analyst Commentary Recent Street research has tilted firmly constructive on Synchrony Financial, with a cluster of price target revisions pointing to a more upbeat stance on credit quality, loan growth, and earnings power.Narrative Update • Jan 07
SYF: Future Returns Will Depend On Benign Credit And Ongoing Buybacks
Analysts have lifted their fair value estimate for Synchrony Financial from about US$85.57 to roughly US$88.22 per share. This reflects updated assumptions around discount rate, revenue growth, profit margins, and a higher future P/E multiple that align with recent price target increases from several research firms.Narrative Update • Dec 20
SYF: Future Returns Will Hinge On Benign Credit And Ongoing Buybacks
Analysts modestly raised their price target for Synchrony Financial to approximately $86 from about $83, citing expectations for resilient revenue growth supported by benign credit trends, improving profit margins, incremental buybacks, and positive signals from recent strategic initiatives and sector tailwinds. Analyst Commentary Bullish analysts highlight a constructive backdrop for Synchrony Financial, pointing to improving revenue momentum, stable credit quality, and enhanced capital return as key drivers supporting higher valuation multiples.Narrative Update • Dec 06
SYF: Future Shareholder Returns Will Depend On Credit Normalization And Buybacks
Analysts have nudged their average price target for Synchrony Financial higher, reflecting expectations for renewed revenue growth, slightly better credit performance, and incremental upside from buybacks and the Walmart program, and now see upside of roughly $10 to $15 per share from recent target increases across the Street. Analyst Commentary Bullish analysts are increasingly focused on Synchrony's ability to reignite loan growth while keeping credit trends manageable, leading to a steady march higher in price targets across the group.Narrative Update • Nov 22
SYF: Shareholder Returns Will Remain Supported As Credit Quality Stabilizes
The analyst price target for Synchrony Financial increased slightly from $82.57 to $82.74, as analysts cited ongoing improvements in revenue growth and credit performance as key reasons for their optimism. Analyst Commentary Recent Street research provides a broad view on Synchrony Financial, with analysts noting both strengths and areas of caution as they adjust their ratings and price targets following the company's Q3 report and subsequent developments.Narrative Update • Nov 07
SYF: Share Buybacks And Improved Credit Outlook Will Drive Future Upside
The analyst price target for Synchrony Financial has risen modestly, reflecting an approximately $0.17 increase to $82.57. Analysts highlight stronger revenue prospects and an improved credit outlook following recent earnings and business updates.Narrative Update • Oct 24
Retail Partnerships And Expanding Programs Will Drive Confidence In The Coming Year
Synchrony Financial's analyst price target has increased modestly by $1.00 to $82.39, as analysts cite renewed confidence in revenue growth and continued stability in credit performance following recent quarterly results. Analyst Commentary Recent commentary from Wall Street has reflected a mix of optimism and caution regarding Synchrony Financial’s prospects.Narrative Update • Oct 10
Digital Integration And Major Retail Partnerships Will Underpin Enduring Value
The analyst price target for Synchrony Financial has risen modestly to $81.39 from $80.48. Analysts cite improving credit quality, steady loan growth, and upbeat management commentary as drivers for their increased optimism.Narrative Update • Sep 26
Digital Integration And Major Retail Partnerships Will Underpin Enduring Value
Analysts have nudged up Synchrony Financial's price target to $80.48, citing stronger credit performance, incremental EPS estimate increases, and anticipated loan growth from expanded merchant partnerships, while some caution that recent earnings quality and near-term loan growth remain mixed. Analyst Commentary Bullish analysts are encouraged by improving credit performance, stronger-than-expected credit results through August, and indications that credit metrics will continue to strengthen into 2026.Seeking Alpha • Apr 22
Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade)
Summary Synchrony Financial's stock has fallen over 30% from its highs, with Q1 earnings showing mixed signals amid economic concerns and credit quality issues. Despite beating earnings estimates, lower credit costs drive skepticism about the sustainability of earnings if the economy weakens, with the potential for increased credit losses. SYF's strong deposit base and capital returns are positives, but economic uncertainty and potential recession risks limit the upside, making it a "hold". Until layoffs and delinquencies become clearer, SYF may be more of a value trap than an opportunity, with a book value of around $40 as a potential floor. Read the full article on Seeking AlphaSeeking Alpha • Feb 05
Synchrony Financial: Slow And Steady Wins The Race
Summary Synchrony Financial reported a mixed bag of Q4 results, with revenue and EPS falling short of estimates. Key risks include the potential implementation of the CFPB's late fee rule and increasing competition from digital-native banking companies. Stock screens cheap at 9x forward EPS, and while above historical norms, EPS growth may be 15-16% over the next two years. Read the full article on Seeking AlphaSeeking Alpha • Jan 29
Synchrony Financial: Don't Fear Tighter Credit Standards
Summary Synchrony Financial experienced lower loan growth in preparation for a rule limiting late fees. Nevertheless, core 2025 EPS is forecasted to grow by 12.9%, with a P/E of 8.6. Synchrony’s tighter credit standards have reduced delinquency rates, and potential removal of the late fee rule could accelerate loan growth. Preferred shares offer income opportunities: Series A does better with falling rates, and Series B outperforms during rising rates. With the higher for longer interest rate environment, Series B preferred is upgraded to Buy. The common stock and Series A preferred remain a Buy. Read the full article on Seeking AlphaSeeking Alpha • Jan 04
Synchrony Financial: Strong Fundamentals But Technical Headwinds
Summary SYF expanded its partnerships in 2024, including selling Pets Best insurance to Independence Pet Holdings, enhancing its strategic positioning in the pet insurance market. Acquiring Ally Lending’s point-of-sale financing business for $2 billion aligns with SYF's multi-product strategy, broadening its financial service offerings. New partnerships with BRP, Adit, and ServiceTitan aim to enhance SYF’s digital capabilities and market reach, strengthening its technological infrastructure. The partnership with Albertsons allows CareCredit cardholders to use their cards at over 2,200 retail locations, significantly increasing consumer convenience and market penetration. Read the full article on Seeking AlphaSeeking Alpha • Nov 30
Synchrony Financial: Undervalued Gem In Fintech
Summary Synchrony Financial is a "Strong Buy" due to solid fundamentals, strong financial health, and a 128% stock price surge in the past 12 months. Impressive Q3 results with $1.94 diluted EPS, 70.4 million active accounts, and a 15.04% net interest margin indicate robust profitability and growth potential. Valuation metrics, including low P/E and PEG ratios, highlight SYF's strong cash flow generation and undervaluation relative to earnings growth potential. Risks include interest rate fluctuations, regulatory pressures, and dependence on retail partners, but the diversified portfolio and efficient operations support long-term growth. Read the full article on Seeking AlphaShareholder Returns
| SYF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -1.7% | -2.9% | -1.4% |
| 1Y | 1.0% | 2.2% | 16.4% |
Return vs Industry: SYF underperformed the US Consumer Finance industry which returned 5.2% over the past year.
Return vs Market: SYF underperformed the US Market which returned 17.3% over the past year.
Price Volatility
| SYF volatility | |
|---|---|
| SYF Average Weekly Movement | 4.8% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: SYF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SYF's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1932 | 20,000 | Brian Doubles | www.synchrony.com |
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms.
Synchrony Financial Fundamentals Summary
| SYF fundamental statistics | |
|---|---|
| Market cap | US$24.29b |
| Earnings (TTM) | US$3.44b |
| Revenue (TTM) | US$9.91b |
7.1x
P/E Ratio2.5x
P/S RatioIs SYF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SYF income statement (TTM) | |
|---|---|
| Revenue | US$9.91b |
| Cost of Revenue | US$0 |
| Gross Profit | US$9.91b |
| Other Expenses | US$6.47b |
| Earnings | US$3.44b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 10.21 |
| Gross Margin | 100.00% |
| Net Profit Margin | 34.67% |
| Debt/Equity Ratio | 97.2% |
How did SYF perform over the long term?
See historical performance and comparisonDividends
1.6%
Current Dividend Yield6%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/22 09:03 |
| End of Day Share Price | 2026/07/22 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Synchrony Financial is covered by 41 analysts. 19 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David George | Baird |
| Mark DeVries | Barclays |
| Terry Ma | Barclays |