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

OverviewRevenueOwnershipFinancialsChartTranscripts

SYF Stock Forecast

Synchrony Financial stock forecast is as follows: an average price target of $58.83 (represents a -14.45% downside from SYF’s last price of $68.77) and a rating consensus of 'Buy', based on 18 wall street analysts offering a 1-year stock forecast.

SYF Price Target

The average price target for Synchrony Financial (SYF) is $58.83 based on 1-year price targets from 18 Wall Street analysts in the past 3 months, with a price target range of $68.00 to $40.00. This represents a potential -14.45% downside from SYF's last price of $68.77.

SYF Analyst Ratings

Buy

According to 18 Wall Street analysts, Synchrony Financial's rating consensus is 'Buy'. The analyst rating breakdown for SYF stock is 0 'Strong Buy' (0.00%), 11 'Buy' (61.11%), 7 'Hold' (38.89%), 0 'Sell' (0.00%), and 0 'Strong Sell' (0.00%).

Synchrony Financial Price Target by Analyst

DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Oct 17, 2024Jeff AdelsonMorgan Stanley$40.00$56.52-29.23%-41.84%
Oct 17, 2024Jon ArfstromRBC Capital$62.00$56.529.70%-9.84%
Oct 17, 2024Brennan CrowleyRobert W. Baird$62.00$56.529.70%-9.84%
Oct 17, 2024Donald FandettiWells Fargo$60.00$56.526.16%-12.75%
Oct 17, 2024Mark DeVriesDeutsche Bank$68.00$56.5220.31%-1.12%
Oct 16, 2024Mihir BhatiaBank of America Securities$61.00$55.479.97%-11.30%
Aug 09, 2024Mihir BhatiaBank of America Securities$54.00$45.7618.01%-21.48%
Jul 18, 2024Donald FandettiWells Fargo$53.00$52.221.49%-22.93%
Jul 18, 2024Terry MaBarclays$49.00$52.22-6.17%-28.75%
Jul 16, 2024David RochesterCompass Point$56.00$50.7210.41%-18.57%
Jul 16, 2024David ScharfJMP Securities$60.00$50.7218.30%-12.75%
Jun 27, 2024Brennan CrowleyRobert W. Baird$56.00$44.2326.61%-18.57%
Jun 10, 2024Ryan NashGoldman Sachs$51.00$44.0015.91%-25.84%
Apr 25, 2024James FotheringhamCapital One Financial$41.00$44.34-7.53%-40.38%
Apr 25, 2024James FotheringhamBMO Capital$41.00$45.02-8.93%-40.38%
Apr 25, 2024Jon ArfstromRBC Capital$47.00$45.024.40%-31.66%
Apr 04, 2024Bill CarcacheWolfe Research$50.00$41.2121.33%-27.29%
Apr 19, 2022Goldman Sachs$45.00$40.7010.57%-34.56%
Apr 19, 2022BMO Capital$52.00$40.8027.45%-24.39%
Apr 07, 2022Bill CarcacheWolfe Research$38.00$35.656.59%-44.74%
Apr 06, 2022Kevin BarkerPiper Sandler$49.00$35.7736.99%-28.75%
Apr 06, 2022Donald FandettiWells Fargo$45.00$35.7725.80%-34.56%
Jan 31, 2022Bill RyanSeaport Global$54.00$42.3827.42%-21.48%
Jan 31, 2022David ScharfJMP Securities$50.00$42.3817.98%-27.29%
Jan 31, 2022Vincent CainticStephens$54.00$42.3827.42%-21.48%
Jan 28, 2022Jon ArfstromRBC Capital$60.00$41.2145.60%-12.75%
Jan 10, 2022Mark DevriesBarclays$64.00$48.0633.17%-6.94%
Jan 05, 2022John HechtJefferies$60.00$46.6828.53%-12.75%
Oct 29, 2021Arren CyganovichCitigroup$59.00$46.2227.65%-14.21%
Jul 14, 2021Eric WasserstromUBS$49.00$46.834.63%-28.75%

The latest Synchrony Financial stock forecast, released on Oct 17, 2024 by Jeff Adelson from Morgan Stanley, set a price target of $40.00, which represents a -29.23% decrease from the stock price at the time of the forecast ($56.52), and a -41.84% decrease from SYF last price ($68.77).

Synchrony Financial Price Target by Period

1M3M12M
# Anlaysts--17
Avg Price Target--$53.59
Last Closing Price$68.77$68.77$68.77
Upside/Downside-100.00%-100.00%-22.07%

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 $68.77. This month's average price target is down NaN% compared to last quarter, and down -100.00% compared to last year.

Analyst Ratings Upgrades/Downgrades

DateCompanyPrevious RatingNew RatingRating Change
Jan 03, 2025Deutsche BankBuyBuyHold
Dec 19, 2024Morgan StanleyUnderweightOverweightUpgrade
Oct 17, 2024JMP SecuritiesMarket OutperformMarket OutperformHold
Oct 17, 2024JefferiesBuyBuyHold
Oct 17, 2024Morgan StanleyUnderweightUnderweightHold
Oct 17, 2024RBC CapitalSector PerformSector PerformHold
Oct 17, 2024JMP SecuritiesOutperformOutperformHold
Oct 17, 2024Wells FargoEqual-WeightEqual-WeightHold
Oct 17, 2024BarclaysEqual-WeightEqual-WeightHold
Oct 17, 2024Deutsche BankBuyBuyHold
Oct 16, 2024Keefe, Bruyette & WoodsOutperformOutperformHold
Oct 16, 2024Bank of America SecuritiesBuyBuyHold
Oct 16, 2024Compass PointBuyBuyHold
Oct 07, 2024Wells FargoSector PerformSector PerformHold
Oct 07, 2024RBC CapitalUnderperformUnderperformHold
Sep 16, 2024RBC CapitalUnderperformUnderperformHold
Sep 16, 2024Wells FargoMarket OutperformMarket OutperformHold
Sep 16, 2024BTIGBuyNeutralDowngrade
Sep 11, 2024Cowen & Co.BuyBuyHold
Aug 09, 2024Bank of America SecuritiesNeutralBuyUpgrade
Jul 18, 2024BMO CapitalMarket PerformMarket PerformHold
Jul 18, 2024Goldman SachsBuyBuyHold
Jul 18, 2024RBC CapitalSector PerformSector PerformHold
Jul 18, 2024Cowen & Co.BuyBuyHold
Jul 16, 2024JMP SecuritiesOutperformOutperformHold
Jul 15, 2024Compass PointBuyInitialise
Jul 09, 2024JefferiesBuyBuyHold
Jul 09, 2024Wells FargoEqual-WeightEqual-WeightHold
Jul 09, 2024BarclaysEqual-WeightEqual-WeightHold
Jun 28, 2024Wolfe ResearchMarket PerformMarket PerformHold
Jun 28, 2024Wells FargoUnderperformUnderperformHold
Jun 11, 2024Bank of America SecuritiesNeutralNeutralHold
Jun 10, 2024Goldman SachsBuyBuyHold
Jun 06, 2024BTIGBuyInitialise
May 02, 2024Keefe, Bruyette & WoodsOutperformUpgrade
Apr 25, 2024BMO CapitalMarket PerformMarket PerformHold
Apr 25, 2024Cowen & Co.BuyBuyHold
Apr 25, 2024RBC CapitalSector PerformSector PerformHold
Apr 04, 2024UBSNeutralNeutralHold
Apr 04, 2024Wolfe ResearchOutperformUpgrade
Feb 08, 2024Piper SandlerUnderperformUnderperformHold
Feb 08, 2024StephensMarket OutperformMarket OutperformHold
Jan 24, 2024Piper SandlerOverweightOverweightHold
Jan 10, 2024JMP SecuritiesUnderperformUnderperformHold
Jan 10, 2024Piper SandlerMarket OutperformMarket OutperformHold
Dec 18, 2023Piper SandlerMarket OutperformMarket OutperformHold
Dec 18, 2023JMP SecuritiesUnderperformUnderperformHold
Oct 03, 2023Morgan StanleyUnderweightUnderweightHold
Jul 14, 2023OppenheimerOutperformPerformDowngrade
Apr 19, 2023CitigroupBuyBuyHold
Mar 17, 2023OppenheimerOutperformUpgrade
Apr 26, 2022Piper SandlerOverweightUpgrade

Synchrony Financial's last stock rating was published by Deutsche Bank on Jan 03, 2025. The company gave SYF a "Buy" rating, the same as its previous rate.

Synchrony Financial Financial Forecast

Synchrony Financial Revenue Forecast

Dec 27Sep 27Jun 27Mar 27Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20
Revenue----------------$3.66B$5.35B$3.29B$4.12B$4.14B$3.97B$4.00B$3.90B$4.00B$3.75B$3.40B$3.57B$3.74B$3.59B
Avg Forecast$4.92B$4.76B$4.71B$4.70B$4.21B$4.11B$4.03B$4.00B$3.98B$3.90B$3.76B$3.80B$3.83B$3.76B$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
High Forecast$5.11B$4.94B$4.89B$4.88B$4.37B$4.26B$4.18B$4.16B$4.13B$4.04B$3.90B$3.99B$3.87B$3.76B$3.67B$3.89B$3.58B$4.10B$3.36B$3.26B$3.17B$2.98B$2.91B$2.83B$2.76B$2.67B$2.77B$2.84B$2.90B$2.95B
Low Forecast$4.77B$4.61B$4.57B$4.56B$4.08B$3.98B$3.91B$3.88B$3.86B$3.78B$3.64B$3.68B$3.80B$3.76B$3.67B$3.89B$3.47B$3.27B$3.14B$3.04B$2.85B$2.38B$2.33B$2.26B$2.21B$2.14B$2.22B$2.27B$2.32B$2.36B
# Analysts5454545443481097715136655511121110994
Surprise %----------------1.03%1.58%1.02%1.31%1.36%1.42%1.46%1.46%1.54%1.49%1.30%1.33%1.37%1.29%

Synchrony Financial's average Quarter revenue forecast for Mar 24 based on 7 analysts is $3.89B, with a low forecast of $3.89B, and a high forecast of $3.89B. 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 27Sep 27Jun 27Mar 27Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20
# Analysts5454545443481097715136655511121110994
EBITDA----------------$657.00M$833.00M$1.64B$1.52B$1.41B$1.43B$1.44B$1.57B$1.38B$1.83B$2.00B$1.71B$1.37B$889.00M
Avg Forecast$1.61B$1.55B$1.54B$1.54B$1.37B$1.34B$1.32B$1.31B$1.30B$1.27B$1.23B$1.24B$1.25B$1.23B$1.20B$1.61B$1.16B$1.10B$1.06B$1.46B$1.51B$998.92M$976.12M$1.33B$924.58M$896.30M$929.15M$1.28B$971.87M$989.46M
High Forecast$1.67B$1.61B$1.60B$1.59B$1.43B$1.39B$1.37B$1.36B$1.35B$1.32B$1.27B$1.30B$1.26B$1.23B$1.20B$1.93B$1.17B$1.34B$1.10B$1.76B$1.81B$1.06B$1.04B$1.60B$982.06M$952.02M$986.90M$1.53B$1.03B$1.05B
Low Forecast$1.56B$1.51B$1.49B$1.49B$1.33B$1.30B$1.28B$1.27B$1.26B$1.23B$1.19B$1.20B$1.24B$1.23B$1.20B$1.29B$1.13B$1.07B$1.03B$1.17B$1.21B$849.45M$830.06M$1.06B$786.24M$762.19M$790.12M$1.02B$826.45M$841.40M
Surprise %----------------0.57%0.75%1.55%1.04%0.93%1.43%1.48%1.18%1.49%2.05%2.16%1.34%1.41%0.90%

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 27Sep 27Jun 27Mar 27Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20
# Analysts5454545443481097715136655511121110994
Net Income----------------$440.00M$628.00M$569.00M$601.00M$577.00M$703.00M$804.00M$932.00M$813.00M$1.14B$1.24B$1.02B$738.00M$313.00M
Avg Forecast$1.17B$1.41B$1.17B$1.12B$826.37M$1.00B$778.92M$768.56M$750.42M$854.79M$651.58M$648.28M$765.25M$716.89M$534.03M$949.00M$369.34M$568.86M$493.78M$862.73M$894.30M$560.67M$565.66M$784.30M$594.04M$606.15M$560.06M$765.04M$363.49M$297.63M
High Forecast$1.23B$1.48B$1.23B$1.17B$867.06M$1.05B$817.27M$806.41M$787.38M$896.88M$683.66M$756.32M$865.94M$717.69M$534.90M$1.14B$492.45M$620.57M$504.29M$1.04B$1.07B$585.02M$611.37M$941.16M$642.05M$655.13M$605.32M$918.04M$392.87M$321.68M
Low Forecast$1.12B$1.36B$1.12B$1.07B$793.63M$964.02M$748.06M$738.12M$720.70M$820.93M$625.76M$351.15M$729.00M$716.09M$533.16M$759.20M$311.63M$517.14M$483.26M$690.18M$715.44M$536.32M$455.63M$627.44M$478.49M$488.25M$451.12M$612.03M$292.78M$239.73M
Surprise %----------------1.19%1.10%1.15%0.70%0.65%1.25%1.42%1.19%1.37%1.88%2.22%1.34%2.03%1.05%

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 27Sep 27Jun 27Mar 27Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20
# Analysts5454545443481097715136655511121110994
SG&A----------------$676.00M$344.00M$584.00M$582.00M$580.00M$531.00M$539.00M$518.00M$576.00M$479.00M$473.00M$459.00M$445.00M$489.00M
Avg Forecast$939.48M$907.62M$899.04M$897.32M$802.61M$783.27M$768.69M$763.91M$759.83M$743.01M$716.79M$724.45M$730.41M$717.45M$700.94M$335.55M$674.79M$645.20M$618.29M$305.04M$633.60M$460.83M$450.32M$277.31M$426.54M$413.50M$428.65M$342.59M$448.36M$456.47M
High Forecast$975.06M$942.00M$933.09M$931.31M$833.01M$812.94M$797.81M$792.85M$788.61M$771.16M$743.94M$760.67M$738.29M$718.08M$700.94M$402.66M$682.37M$781.48M$641.71M$366.05M$760.32M$489.48M$478.31M$332.77M$453.06M$439.20M$455.29M$411.10M$476.23M$484.84M
Low Forecast$910.85M$879.96M$871.64M$869.98M$778.16M$759.40M$745.27M$740.64M$736.68M$720.37M$694.95M$702.40M$725.67M$716.81M$700.94M$268.44M$661.14M$623.89M$599.45M$244.03M$506.88M$391.88M$382.93M$221.85M$362.72M$351.62M$364.51M$274.07M$381.27M$388.17M
Surprise %----------------1.00%0.53%0.94%1.91%0.92%1.15%1.20%1.87%1.35%1.16%1.10%1.34%0.99%1.07%

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 27Sep 27Jun 27Mar 27Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20
# Analysts5454545443481097715136655511121110994
EPS-----------------$1.49$1.32$1.36$1.27$1.48$1.61$1.79$1.51$2.02$2.13$1.74$1.25$0.52
Avg Forecast$2.95$3.56$2.95$2.81$2.08$2.53$1.96$1.94$1.89$2.16$1.64$1.64$1.93$1.81$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
High Forecast$3.10$3.74$3.09$2.95$2.19$2.66$2.06$2.03$1.99$2.26$1.72$1.91$2.18$1.81$1.35$1.34$1.24$1.57$1.27$1.43$1.17$1.45$1.52$1.58$1.59$1.63$1.50$1.48$0.98$0.80
Low Forecast$2.83$3.42$2.83$2.70$2.00$2.43$1.89$1.86$1.82$2.07$1.58$0.89$1.84$1.81$1.34$1.34$0.79$1.30$1.22$1.42$1.02$1.33$1.13$1.48$1.19$1.21$1.12$1.11$0.73$0.60
Surprise %-----------------1.04%1.06%0.95%1.14%1.06%1.15%1.17%1.02%1.34%1.53%1.27%1.38%0.70%

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$9.04$25.00176.55%Hold
NAVINavient$14.27$17.0019.13%Sell
FCFSFirstCash$111.94$130.0016.13%Buy
LCLendingClub$14.42$16.5014.42%Buy
COFCapital One Financial$203.91$216.676.26%Hold
ALLYAlly Financial$38.91$40.293.55%Buy
MAMastercard$548.80$553.000.77%Buy
VVisa$335.88$336.830.28%Buy
DFSDiscover Financial Services$201.03$187.50-6.73%Hold
AXPAmerican Express$315.25$276.17-12.40%Hold
SYFSynchrony Financial$68.77$58.83-14.45%Buy

SYF Forecast FAQ

Is Synchrony Financial a good buy?

Yes, according to 18 Wall Street analysts, Synchrony Financial (SYF) is considered a 'Buy'. The rating consensus is based on 0 'Strong Buy' and 11 'Buy' recommendations, accounting for 61.11% of SYF's total ratings.

What is SYF's price target?

Synchrony Financial (SYF) average price target is $58.83 with a range of $40 to $68, implying a -14.45% from its last price of $68.77. The data is based on 18 Wall Street analysts who provided a twelve-month price target estimate in the last three months.

Will Synchrony Financial stock go up soon?

According to Wall Street analysts' prediction for SYF stock, the company can go down by -14.45% (from the last price of $68.77 to the average price target of $58.83), down by -1.12% based on the highest stock price target, and down by -41.84% based on the lowest stock price target.

Can Synchrony Financial stock reach $100?

SYF's average twelve months analyst stock price target of $58.83 does not support the claim that Synchrony Financial can reach $100 in the near future.

What are Synchrony Financial's analysts' financial forecasts?

Synchrony Financial's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $16.35B (high $16.97B, low $15.85B), average EBITDA is $5.34B (high $5.54B, low $5.18B), average net income is $3.38B (high $3.54B, low $3.24B), average SG&A $3.12B (high $3.24B, low $3.02B), and average EPS is $8.52 (high $8.94, low $8.18). SYF's analysts financial forecasts for the fiscal year (Dec 2027) are as follows: average revenue is $19.1B (high $19.82B, low $18.52B), average EBITDA is $6.24B (high $6.47B, low $6.05B), average net income is $4.87B (high $5.11B, low $4.68B), average SG&A $3.64B (high $3.78B, low $3.53B), and average EPS is $12.28 (high $12.88, low $11.79).

Did the SYF's actual financial results beat the analysts' financial forecasts?

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 $4.78B by -29.68%. The company's net income was $2.24B, missing the average estimation of $2.29B by -2.47%. Apple's SG&A was $2.41B, beating the average forecast of $2.24B by 7.47%. 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 $1.16B by -43.14%. Synchrony Financial's net income was $440M, beating the average estimation of $369.34M by 19.13%. The company's SG&A was $676M, beating the average forecast of $674.79M by 0.18%. Lastly, the company's EPS was $0, missing the average prediction of $0.931 by -100.00%