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Synchrony Financial (SYF) Stock Forecast, Price Target & Predictions

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SYF Stock Forecast

Synchrony Financial (SYF) stock forecast, based on 41 Wall Street analysts, predicts a 12-month average price target of $91.40, with a high of $101.00 and a low of $81.00. This represents a 17.92% increase from the last price of $77.51.

$35 $49 $63 $77 $91 $105 High: $101 Avg: $91.4 Low: $81 Last Closed Price: $77.51

SYF Stock Rating

Synchrony Financial stock's rating consensus is Buy, based on 41 Wall Street analysts. The breakdown includes 0 Strong Buy (0.00%), 25 Buy (60.98%), 15 Hold (36.59%), 0 Sell (0.00%), and 1 Strong Sell (2.44%).

Buy
Total 41 1 15 25 Strong Sell Sell Hold Buy Strong Buy

SYF Price Target Upside V Benchmarks

TypeNameUpside
StockSynchrony Financial17.92%
SectorFinancial Services Stocks 5.28%
IndustryCredit Services Stocks18.34%

Price Target Trends

1M3M12M
# Anlaysts61020
Avg Price Target$95.50$92.80$86.20
Last Closing Price$77.51$77.51$77.51
Upside/Downside23.21%19.73%11.21%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Jan, 263118-123
Dec, 253127-123
Nov, 253127-123
Oct, 254117-123
Sep, 253117-122
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Jan 12, 2026Jon ArfstromRBC Capital$91.00$79.5314.42%17.40%
Jan 12, 2026UBS$86.00$86.89-1.02%10.95%
Jan 06, 2026Evercore ISI$97.00$87.4710.90%25.15%
Jan 06, 2026Goldman Sachs$98.00$87.1712.42%26.44%
Jan 06, 2026Barclays$101.00$86.7416.44%30.31%
Jan 05, 2026Donald FandettiWells Fargo$100.00$86.9415.02%29.02%
Dec 22, 2025Truist Financial$92.00$85.607.48%18.69%
Dec 17, 2025Donald FandettiWells Fargo$95.00$83.3913.92%22.56%
Dec 16, 2025Morgan Stanley$86.00$83.882.53%10.95%
Dec 05, 2025Robert W. Baird$82.00$80.401.99%5.79%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Jan 20, 2026CitigroupOutperformOutperformhold
Jan 12, 2026RBC CapitalSector PerformSector Performhold
Jan 08, 2026Cowen & Co.BuyBuyhold
Jan 06, 2026Evercore ISIOutperformOutperformhold
Jan 06, 2026Goldman SachsBuyBuyhold
Jan 06, 2026BarclaysOverweightOverweighthold
Dec 17, 2025Wells FargoOverweightOverweighthold
Oct 16, 2025Wells FargoOverweightOverweighthold
Oct 10, 2025HSBCBuyupgrade
Oct 07, 2025UBSNeutralNeutralhold

Financial Forecast

EPS Forecast

$4 $6 $8 $10 $12 $14 $15 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$7.40$6.19$5.21$8.64---
Avg Forecast$7.22$5.96$5.09$6.64$7.05$8.24$10.35
High Forecast$7.76$6.47$5.40$6.88$8.70$9.51$14.21
Low Forecast$6.14$5.53$4.95$6.58$5.86$7.49$6.45
Surprise %2.49%3.86%2.36%30.12%---

Revenue Forecast

$5B $9B $13B $17B $21B $25B Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$10.19B$16.00B$7.66B$22.64B---
Avg Forecast$10.05B$11.59B$13.51B$15.73B$15.51B$16.26B$17.94B
High Forecast$10.63B$12.34B$13.56B$15.78B$17.00B$17.98B$18.18B
Low Forecast$8.90B$10.95B$13.44B$15.71B$14.41B$15.51B$17.70B
Surprise %1.37%38.11%-43.29%43.93%---

Net Income Forecast

$2B $3B $4B $5B $6B $7B Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$4.22B$3.02B$2.24B$3.50B---
Avg Forecast$3.34B$3.62B$2.20B$2.85B$2.97B$3.29B$4.81B
High Forecast$4.01B$4.34B$2.64B$2.91B$3.69B$4.03B$6.02B
Low Forecast$2.67B$2.90B$1.76B$2.78B$2.48B$3.17B$2.73B
Surprise %26.25%-16.69%1.91%22.81%---

SYF Forecast FAQ

Is Synchrony Financial stock a buy?

Synchrony Financial stock has a consensus rating of Buy, based on 41 Wall Street analysts. The rating breakdown includes 0 Strong Buy, 25 Buy, 15 Hold, 0 Sell, and 1 Strong Sell, reflecting a consensus that Synchrony Financial is a favorable investment for most analysts.

What is Synchrony Financial's price target?

Synchrony Financial's price target, set by 41 Wall Street analysts, averages $91.4 over the next 12 months. The price target range spans from $81 at the low end to $101 at the high end, suggesting a potential 17.92% change from the previous closing price of $77.51.

How does Synchrony Financial stock forecast compare to its benchmarks?

Synchrony Financial's stock forecast shows a 17.92% upside, outperforming the average forecast for the financial services stocks sector (5.28%) and underperforming the credit services stocks industry (18.34%).

What is the breakdown of analyst ratings for Synchrony Financial over the past three months?

  • January 2026: 13.04% Strong Buy, 47.83% Buy, 34.78% Hold, 0% Sell, 4.35% Strong Sell.
  • December 2025: 13.04% Strong Buy, 52.17% Buy, 30.43% Hold, 0% Sell, 4.35% Strong Sell.
  • November 2025: 13.04% Strong Buy, 52.17% Buy, 30.43% Hold, 0% Sell, 4.35% Strong Sell.

What is Synchrony Financial’s EPS forecast?

Synchrony Financial's average annual EPS forecast for its fiscal year ending in December 2025 is $7.05, marking a -18.40% decrease from the reported $8.64 in 2024. Estimates for the following years are $8.24 in 2026, and $10.35 in 2027.

What is Synchrony Financial’s revenue forecast?

Synchrony Financial's average annual revenue forecast for its fiscal year ending in December 2025 is $15.51B, reflecting a -31.52% decrease from the reported $22.64B in 2024. The forecast for 2026 is $16.26B, and $17.94B for 2027.

What is Synchrony Financial’s net income forecast?

Synchrony Financial's net income forecast for the fiscal year ending in December 2025 stands at $2.97B, representing a -15.08% decrease from the reported $3.5B in 2024. Projections indicate $3.29B in 2026, and $4.81B in 2027.