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


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SYF Stock Forecast


Synchrony Financial stock forecast is as follows: an average price target of $51.94 (represents a 10.21% upside from SYF’s last price of $47.13) and a rating consensus of 'Buy', based on 17 wall street analysts offering a 1-year stock forecast.

SYF Price Target


The average price target for Synchrony Financial (SYF) is $51.94 based on 1-year price targets from 17 Wall Street analysts in the past 3 months, with a price target range of $60.00 to $41.00. This represents a potential 10.21% upside from SYF's last price of $47.13.

SYF Analyst Ratings


Buy

According to 17 Wall Street analysts, Synchrony Financial's rating consensus is 'Buy'. The analyst rating breakdown for SYF stock is 0 'Strong Buy' (0.00%), 10 'Buy' (58.82%), 6 'Hold' (35.29%), 1 'Sell' (5.88%), and 0 'Strong Sell' (0.00%).

Synchrony Financial Price Target by Analyst


DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Aug 09, 2024Mihir BhatiaBank of America Securities$54.00$45.7618.01%14.58%
Jul 18, 2024Donald FandettiWells Fargo$53.00$52.221.49%12.45%
Jul 18, 2024Terry MaBarclays$49.00$52.22-6.17%3.97%
Jul 16, 2024David RochesterCompass Point$56.00$50.7210.41%18.82%
Jul 16, 2024David ScharfJMP Securities$60.00$50.7218.30%27.31%
Jun 27, 2024Brennan CrowleyRobert W. Baird$56.00$44.2326.61%18.82%
Jun 10, 2024Ryan NashGoldman Sachs$51.00$44.0015.91%8.21%
Apr 25, 2024James FotheringhamCapital One Financial$41.00$44.34-7.53%-13.01%
Apr 25, 2024James FotheringhamBMO Capital$41.00$45.02-8.93%-13.01%
Apr 25, 2024Jon ArfstromRBC Capital$47.00$45.024.40%-0.28%
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The latest Synchrony Financial stock forecast, released on Aug 09, 2024 by Mihir Bhatia from Bank of America Securities, set a price target of $54.00, which represents a 18.01% increase from the stock price at the time of the forecast ($45.76), and a 14.58% increase from SYF last price ($47.13).

Synchrony Financial Price Target by Period


1M3M12M
# Anlaysts-611
Avg Price Target-$54.67$50.73
Last Closing Price$47.13$47.13$47.13
Upside/Downside-100.00%16.00%7.64%

In the current month, the average price target of Synchrony Financial stock is -, according to 0 Wall Street analyst offering twelve months forecast. The average price target represents a -100.00% decrease as opposed to Synchrony Financial's last price of $47.13. This month's average price target is down -100.00% compared to last quarter, and down -100.00% compared to last year.

Analyst Ratings Upgrades/Downgrades


DateCompanyPrevious RatingNew RatingRating Change
Sep 11, 2024Cowen & Co.BuyBuyHold
Aug 09, 2024Bank of America SecuritiesNeutralBuyUpgrade
Jul 18, 2024Goldman SachsBuyBuyHold
Jul 18, 2024BMO CapitalMarket PerformMarket PerformHold
Jul 18, 2024RBC CapitalSector PerformSector PerformHold
Jul 18, 2024Cowen & Co.BuyBuyHold
Jul 16, 2024JMP SecuritiesOutperformOutperformHold
Jul 15, 2024Compass Point-BuyInitialise
Jul 09, 2024JefferiesBuyBuyHold
Jul 09, 2024Wells FargoEqual-WeightEqual-WeightHold
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Synchrony Financial's last stock rating was published by Cowen & Co. on Sep 11, 2024. The company gave SYF a "Buy" rating, the same as its previous rate.

Synchrony Financial Financial Forecast


Synchrony Financial Revenue Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jul 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
Revenue------------$3.66B$5.35B$3.29B$4.12B$4.14B$3.97B-$3.90B$4.00B$3.75B$3.40B$3.57B$3.74B$3.59B$3.49B$3.99B$4.13B$4.47B
Avg Forecast$4.24B$3.97B$3.70B$3.69B$3.85B$3.71B$3.65B$3.64B$3.62B$3.75B$3.67B$3.89B$3.54B$3.38B$3.24B$3.14B$3.05B$2.80B$2.74B$2.66B$2.60B$2.52B$2.61B$2.68B$2.73B$2.78B$2.99B$3.37B$3.15B$3.43B
High Forecast$4.39B$4.11B$3.83B$3.82B$3.99B$3.84B$3.78B$3.77B$3.75B$3.77B$3.80B$4.03B$3.58B$4.10B$3.36B$3.25B$3.16B$2.90B$2.74B$2.75B$2.68B$2.60B$2.69B$2.76B$2.82B$2.87B$3.09B$3.49B$3.25B$3.55B
Low Forecast$3.48B$3.26B$3.04B$3.03B$3.16B$3.04B$3.00B$2.99B$2.97B$3.69B$3.02B$3.20B$3.47B$3.27B$2.66B$2.58B$2.50B$2.30B$2.74B$2.60B$2.53B$2.45B$2.54B$2.61B$2.66B$2.71B$2.92B$3.29B$3.07B$3.35B
# Analysts6446437449771513665555612115555544
Surprise %------------1.03%1.58%1.02%1.31%1.36%1.42%-1.46%1.54%1.49%1.30%1.33%1.37%1.29%1.17%1.18%1.31%1.30%

Synchrony Financial's average Quarter revenue forecast for Mar 24 based on 7 analysts is $3.89B, with a low forecast of $3.20B, and a high forecast of $4.03B. SYF's average Quarter revenue forecast represents a 6.42% increase compared to the company's last Quarter revenue of $3.66B (Dec 23).

Synchrony Financial EBITDA Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jul 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts6446437449771513665555612115555544
EBITDA------------$657.00M$833.00M$1.64B$1.52B$1.41B$1.43B-$1.57B$1.38B$1.83B$2.00B$1.71B$1.37B$889.00M$590.00M$995.00M$1.57B$2.06B
Avg Forecast$1.51B$1.41B$1.32B$1.31B$1.37B$1.32B$1.30B$1.30B$1.29B$1.34B$1.31B$1.61B$1.26B$1.20B$1.15B$1.46B$1.09B$1.77B$976.12M$1.33B$1.38B$1.61B$1.23B$1.28B$873.82M$1.00B$849.60M$1.20B$1.54B$1.90B
High Forecast$1.56B$1.46B$1.36B$1.36B$1.42B$1.37B$1.35B$1.34B$1.34B$1.34B$1.35B$1.93B$1.27B$1.46B$1.20B$1.76B$1.12B$2.13B$976.12M$1.60B$1.65B$1.93B$1.48B$1.53B$1.05B$1.20B$1.02B$1.24B$1.85B$2.28B
Low Forecast$1.24B$1.16B$1.08B$1.08B$1.13B$1.08B$1.07B$1.06B$1.06B$1.32B$1.07B$1.29B$1.23B$1.17B$947.76M$1.17B$891.98M$1.42B$976.12M$1.06B$1.10B$1.29B$983.73M$1.02B$699.06M$800.10M$679.68M$1.17B$1.23B$1.52B
Surprise %------------0.52%0.69%1.42%1.04%1.30%0.81%-1.18%1.00%1.14%1.63%1.34%1.57%0.89%0.69%0.83%1.02%1.09%

7 analysts predict SYF's average Quarter EBITDA for Mar 24 to be $1.61B, with a high of $1.93B and a low of $1.29B. This is 144.87% upper than Synchrony Financial's previous annual EBITDA (Dec 23) of $657.00M.

Synchrony Financial Net Income Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jul 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts6446437449771513665555612115555544
Net Income------------$440.00M$628.00M$569.00M$601.00M$577.00M$703.00M-$932.00M$813.00M$1.14B$1.24B$1.02B$738.00M$313.00M$48.00M$286.00M$731.00M$1.06B
Avg Forecast$710.48M$814.96M$761.37M$721.43M$568.87M$633.13M$602.49M$581.04M$522.28M$716.76M$542.25M$949.00M$375.02M$577.61M$501.37M$862.73M$447.93M$1.10B$573.53M$784.30M$813.00M$1.00B$762.10M$765.04M$470.37M$352.13M$69.12M$1.67B$717.46M$971.89M
High Forecast$742.99M$852.24M$796.21M$754.44M$594.90M$662.10M$630.06M$607.62M$546.18M$820.87M$567.06M$1.14B$500.03M$630.12M$524.31M$1.04B$468.43M$1.32B$573.53M$941.16M$975.60M$1.20B$914.52M$918.04M$564.45M$422.55M$82.94M$2.01B$860.96M$1.17B
Low Forecast$545.04M$625.19M$584.08M$553.45M$436.41M$485.71M$462.20M$445.74M$400.66M$632.67M$415.98M$759.20M$316.42M$525.10M$384.63M$690.18M$343.63M$882.78M$573.53M$627.44M$650.40M$802.53M$609.68M$612.03M$376.30M$281.70M$55.30M$1.34B$573.97M$777.52M
Surprise %------------1.17%1.09%1.13%0.70%1.29%0.64%-1.19%1.00%1.14%1.63%1.34%1.57%0.89%0.69%0.17%1.02%1.09%

Synchrony Financial's average Quarter net income forecast for Mar 24 is $949.00M, with a range of $759.20M to $1.14B. SYF's average Quarter net income forecast represents a 115.68% increase compared to the company's last Quarter net income of $440.00M (Dec 23).

Synchrony Financial SG&A Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jul 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts6446437449771513665555612115555544
SG&A------------$676.00M$344.00M$584.00M$582.00M$580.00M$531.00M-$518.00M$576.00M$479.00M$473.00M$459.00M$445.00M$489.00M$418.00M$435.00M$537.00M$498.00M
Avg Forecast$697.18M$652.30M$607.89M$605.62M$633.35M$608.92M$599.92M$598.08M$595.29M$616.51M$603.84M$335.55M$581.31M$555.82M$532.64M$305.04M$501.29M$463.25M$450.32M$277.31M$576.00M$421.13M$290.24M$342.59M$283.63M$550.13M$768.96M$3.26B$646.80M$575.22M
High Forecast$721.72M$675.26M$629.28M$626.94M$655.64M$630.35M$621.04M$619.13M$616.24M$619.24M$625.09M$402.66M$587.84M$673.22M$551.38M$366.05M$518.93M$555.90M$450.32M$332.77M$691.20M$505.36M$348.28M$411.10M$340.35M$660.15M$922.75M$3.92B$776.16M$690.27M
Low Forecast$572.31M$535.46M$499.00M$497.15M$519.90M$499.85M$492.47M$490.96M$488.67M$606.97M$495.68M$268.44M$569.55M$537.46M$437.23M$244.03M$411.50M$370.60M$450.32M$221.85M$460.80M$336.91M$232.19M$274.07M$226.90M$440.10M$615.17M$2.61B$517.44M$460.18M
Surprise %------------1.16%0.62%1.10%1.91%1.16%1.15%-1.87%1.00%1.14%1.63%1.34%1.57%0.89%0.54%0.13%0.83%0.87%

Synchrony Financial's average Quarter SG&A projection for Mar 24 is $335.55M, based on 7 Wall Street analysts, with a range of $268.44M to $402.66M. The forecast indicates a -50.36% fall compared to SYF last annual SG&A of $676.00M (Dec 23).

Synchrony Financial EPS Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jul 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts6446437449771513665555612115555544
EPS-------------$1.49$1.32$1.36$1.27$1.48-$1.79$1.51$2.02$2.13$1.74$1.25$0.52$0.06$0.45$1.15$1.60
Avg Forecast$1.76$2.02$1.89$1.79$1.41$1.57$1.50$1.44$1.30$1.78$1.35$1.34$0.93$1.43$1.25$1.42$1.11$1.39$1.41$1.53$1.48$1.51$1.39$1.37$0.90$0.74$0.13$-0.19$1.07$1.13
High Forecast$1.85$2.12$1.98$1.87$1.48$1.64$1.56$1.51$1.36$2.04$1.41$1.40$1.24$1.57$1.30$1.49$1.16$1.46$1.41$1.59$1.54$1.57$1.45$1.43$0.94$0.77$0.14$-0.18$1.12$1.17
Low Forecast$1.35$1.55$1.45$1.37$1.08$1.21$1.15$1.11$1.00$1.57$1.03$1.03$0.79$1.30$0.96$1.09$0.85$1.07$1.41$1.48$1.43$1.46$1.35$1.33$0.87$0.72$0.13$-0.20$1.04$1.09
Surprise %-------------1.04%1.06%0.95%1.14%1.06%-1.17%1.02%1.34%1.53%1.27%1.38%0.70%0.45%-2.39%1.07%1.42%

According to 15 Wall Street analysts, Synchrony Financial's projected average Quarter EPS for Dec 23 is $0.93, with a low estimate of $0.79 and a high estimate of $1.24. This represents a -37.48% decrease compared to SYF previous annual EPS of $1.49 (Sep 23).

Synchrony Financial Peer Comparison by Price Target


TickerCompanyLast Closing PriceAvg Price TargetUpside/DownsideAvg Rating
GDOTGreen Dot$11.52$25.00117.01%Hold
ALLYAlly Financial$32.97$47.2143.19%Buy
LCLendingClub$10.85$13.9028.11%Buy
COFCapital One Financial$138.97$167.5820.59%Hold
FCFSFirstCash$117.16$130.0010.96%Buy
SYFSynchrony Financial$47.13$51.9410.21%Buy
DFSDiscover Financial Services$131.33$133.891.95%Buy
NAVINavient$15.77$16.001.46%Sell
VVisa$287.35$289.330.69%Buy
MAMastercard$493.36$469.03-4.93%Buy
AXPAmerican Express Company$259.00$204.41-21.08%Hold

SYF Forecast FAQ


Yes, according to 17 Wall Street analysts, Synchrony Financial (SYF) is considered a 'Buy'. The rating consensus is based on 0 'Strong Buy' and 10 'Buy' recommendations, accounting for 58.82% of SYF's total ratings.

Synchrony Financial (SYF) average price target is $51.94 with a range of $41 to $60, implying a 10.21% from its last price of $47.13. The data is based on 17 Wall Street analysts who provided a twelve-month price target estimate in the last three months.

According to Wall Street analysts' prediction for SYF stock, the company can go up by 10.21% (from the last price of $47.13 to the average price target of $51.94), up by 27.31% based on the highest stock price target, and down by -13.01% based on the lowest stock price target.

SYF's average twelve months analyst stock price target of $51.94 does not support the claim that Synchrony Financial can reach $70 in the near future.

Synchrony Financial's analysts financial forecasts for the fiscal year (Dec 2025) are as follows: average revenue is $14.85B (high $15.37B, low $12.19B), average EBITDA is $5.29B (high $5.48B, low $4.34B), average net income is $2.39B (high $2.49B, low $1.83B), average SG&A $2.44B (high $2.53B, low $2B), and average EPS is $5.93 (high $6.2, low $4.55). SYF's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $15.6B (high $16.15B, low $12.8B), average EBITDA is $5.56B (high $5.75B, low $4.56B), average net income is $3.01B (high $3.15B, low $2.31B), average SG&A $2.56B (high $2.65B, low $2.1B), and average EPS is $7.47 (high $7.81, low $5.73).

Based on Synchrony Financial's last annual report (Dec 2023), the company's revenue was $13.63B, beating the average analysts forecast of $13.3B by 2.47%. Apple's EBITDA was $3.36B, missing the average prediction of $5.08B by -33.84%. The company's net income was $2.24B, missing the average estimation of $2.32B by -3.40%. Apple's SG&A was $2.41B, beating the average forecast of $1.97B by 22.09%. Lastly, the company's EPS was $5.21, beating the average prediction of $5.04 by 3.45%. In terms of the last quarterly report (Dec 2023), Synchrony Financial's revenue was $3.66B, beating the average analysts' forecast of $3.54B by 3.44%. The company's EBITDA was $657M, missing the average prediction of $1.26B by -47.86%. Synchrony Financial's net income was $440M, beating the average estimation of $375.02M by 17.33%. The company's SG&A was $676M, beating the average forecast of $581.31M by 16.29%. Lastly, the company's EPS was $0, missing the average prediction of $0.931 by -100.00%