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SYF
Volume: 2.75M

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 demonstrated robust growth potential, evidenced by a 10% year-over-year increase in new accounts in the third quarter of 2025, alongside rising frequency and average ticket sizes. The company's recent strategic shift to reduce tighter underwriting by 30% positions Synchrony to improve growth rates and enhance credit performance, setting the stage for accelerated lending in 2026. Additionally, with loss rates now within targeted long-term ranges and the implementation of new pricing and fees, Synchrony is poised to not only boost spending and lending growth but also to expand its risk-adjusted margins effectively.

Bears say

The analysis presents a negative outlook for Synchrony Financial, underscoring a disappointing decrease in 2025 revenue guidance attributed to increased payment speeds, which could hinder loan growth in 2026. The company’s shares have suffered a decline of 6%, indicating market concerns regarding its ability to meet future growth expectations, especially amidst a backdrop of tighter underwriting contributing to past revenue stability. Furthermore, while the current trading valuation suggests a low price-to-earnings ratio relative to its historical growth, the lack of confidence in sustaining mid-single digit year-over-year loan and spending increases poses significant risk to the stock's future performance.

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 6, 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 $86.71, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $86.71, 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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