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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 $54.00 (represents a -17.10% downside from SYF’s last price of $65.14) 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 $54.00 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 -17.10% downside from SYF's last price of $65.14.

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%), 10 'Buy' (55.56%), 7 'Hold' (38.89%), 1 'Sell' (5.56%), 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---29.23%-38.59%
Oct 17, 2024Jon ArfstromRBC Capital--9.70%-4.82%
Oct 17, 2024Brennan CrowleyRobert W. Baird--9.70%-4.82%
Oct 17, 2024Donald FandettiWells Fargo--6.16%-7.89%
Oct 17, 2024Mark DeVriesDeutsche Bank--20.31%4.39%
Oct 16, 2024Mihir BhatiaBank of America Securities--9.97%-6.36%
Aug 09, 2024Mihir BhatiaBank of America Securities--18.01%-17.10%
Jul 18, 2024Donald FandettiWells Fargo--1.49%-18.64%
Jul 18, 2024Terry MaBarclays---6.17%-24.78%
Jul 16, 2024David RochesterCompass Point--10.41%-14.03%
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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 -38.59% decrease from SYF last price ($65.14).

Synchrony Financial Price Target by Period

1M3M12M
# Anlaysts-617
Avg Price Target-$58.83$53.59
Last Closing Price$65.14$65.14$65.14
Upside/Downside-100.00%-9.69%-17.73%

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 $65.14. 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
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
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Synchrony Financial's last stock rating was published by JMP Securities on Oct 17, 2024. The company gave SYF a "Market Outperform" 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 22Jun 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$4.00B$3.90B$4.00B$3.75B$3.40B$3.57B$3.74B$3.59B$3.49B$3.99B$4.13B$4.47B
Avg Forecast$4.23B$4.04B$3.87B$3.86B$3.84B$3.78B$3.71B$3.75B$3.85B$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$2.99B$3.37B$3.15B$3.43B
High Forecast$4.37B$4.17B$4.00B$3.98B$3.97B$3.91B$3.83B$3.97B$3.95B$3.76B$3.67B$3.89B$3.58B$4.10B$3.35B$3.24B$3.15B$2.98B$2.91B$2.83B$2.76B$2.67B$2.77B$2.84B$2.90B$2.95B$3.17B$3.58B$3.34B$3.65B
Low Forecast$3.85B$3.68B$3.52B$3.51B$3.50B$3.44B$3.37B$3.32B$3.38B$3.76B$3.67B$3.89B$3.47B$3.27B$2.95B$2.86B$2.78B$2.38B$2.33B$2.26B$2.21B$2.14B$2.22B$2.27B$2.32B$2.36B$2.54B$2.87B$2.68B$2.92B
# Analysts334545279477151366555111211109945443
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%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 $3.89B, 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 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 20Jun 20Mar 20Dec 19Sep 19
# Analysts334545279477151366555111211109945443
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$590.00M$995.00M$1.57B$2.06B
Avg Forecast$1.84B$1.75B$1.68B$1.67B$1.67B$1.64B$1.61B$1.63B$1.67B$1.63B$1.60B$1.61B$1.54B$1.47B$1.41B$1.46B$1.51B$998.92M$976.12M$1.33B$924.58M$896.30M$929.15M$1.28B$971.87M$989.46M$1.06B$1.20B$1.12B$1.22B
High Forecast$1.90B$1.81B$1.74B$1.73B$1.72B$1.70B$1.66B$1.72B$1.72B$1.63B$1.60B$1.93B$1.55B$1.78B$1.45B$1.76B$1.81B$1.06B$1.04B$1.60B$982.06M$952.02M$986.90M$1.53B$1.03B$1.05B$1.13B$1.28B$1.19B$1.30B
Low Forecast$1.67B$1.60B$1.53B$1.52B$1.52B$1.49B$1.47B$1.44B$1.47B$1.63B$1.60B$1.29B$1.50B$1.42B$1.28B$1.17B$1.21B$849.45M$830.06M$1.06B$786.24M$762.19M$790.12M$1.02B$826.45M$841.40M$905.32M$1.02B$953.07M$1.04B
Surprise %------------0.43%0.57%1.17%1.04%0.93%1.43%1.48%1.18%1.49%2.05%2.16%1.34%1.41%0.90%0.55%0.83%1.40%1.68%

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 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts334545279477151366555111211109945443
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$48.00M$286.00M$731.00M$1.06B
Avg Forecast$715.27M$944.15M$695.03M$790.97M$582.93M$733.01M$593.04M$658.73M$734.50M$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$53.79M$1.67B$430.73M$453.21M
High Forecast$745.84M$984.49M$724.73M$824.77M$607.85M$764.33M$618.39M$782.49M$773.58M$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$58.14M$2.01B$465.53M$489.84M
Low Forecast$631.78M$833.95M$613.91M$698.65M$514.89M$647.45M$523.82M$363.30M$711.06M$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$43.32M$1.34B$346.94M$365.05M
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%0.89%0.17%1.70%2.33%

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 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts334545279477151366555111211109945443
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$418.00M$435.00M$537.00M$498.00M
Avg Forecast$806.90M$770.81M$738.01M$735.73M$732.66M$721.42M$707.24M$715.79M$734.67M$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$491.15M$3.26B$517.05M$564.30M
High Forecast$833.42M$796.15M$762.28M$759.91M$756.75M$745.14M$730.49M$757.33M$754.00M$718.08M$700.94M$402.66M$682.37M$781.48M$638.61M$366.05M$760.32M$489.48M$478.31M$332.77M$453.06M$439.20M$455.29M$411.10M$476.23M$484.84M$521.68M$3.92B$549.19M$599.37M
Low Forecast$734.45M$701.60M$671.75M$669.67M$666.88M$656.65M$643.74M$632.70M$644.45M$716.81M$700.94M$268.44M$661.14M$623.89M$562.78M$244.03M$506.88M$391.88M$382.93M$221.85M$362.72M$351.62M$364.51M$274.07M$381.27M$388.17M$417.66M$2.61B$439.69M$479.86M
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%0.85%0.13%1.04%0.88%

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 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts334545279477151366555111211109945443
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$0.06$0.45$1.15$1.60
Avg Forecast$1.80$2.38$1.75$1.99$1.47$1.85$1.50$1.66$1.85$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$0.13$-0.19$1.07$1.13
High Forecast$1.88$2.48$1.83$2.08$1.53$1.93$1.56$1.97$1.95$1.81$1.35$1.34$1.24$1.57$1.27$1.43$1.16$1.45$1.52$1.58$1.59$1.63$1.50$1.48$0.98$0.80$0.14$-0.15$1.16$1.22
Low Forecast$1.59$2.10$1.55$1.76$1.30$1.63$1.32$0.92$1.79$1.81$1.34$1.34$0.79$1.30$1.22$1.42$0.98$1.33$1.13$1.48$1.19$1.21$1.12$1.11$0.73$0.60$0.11$-0.20$0.86$0.91
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%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--143.90%Hold
FCFSFirstCash--26.25%Buy
ALLYAlly Financial--22.26%Buy
NAVINavient--10.52%Sell
LCLendingClub---3.77%Buy
VVisa---4.60%Buy
MAMastercard---5.49%Buy
COFCapital One Financial---7.10%Hold
SYFSynchrony Financial---17.10%Buy
DFSDiscover Financial Services---22.63%Hold
AXPAmerican Express Company---27.40%Hold

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 10 'Buy' recommendations, accounting for 55.56% of SYF's total ratings.

What is SYF's price target?

Synchrony Financial (SYF) average price target is $54 with a range of $40 to $68, implying a -17.10% from its last price of $65.14. 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 -17.10% (from the last price of $65.14 to the average price target of $54), up by 4.39% based on the highest stock price target, and down by -38.59% based on the lowest stock price target.

Can Synchrony Financial stock reach $100?

SYF's average twelve months analyst stock price target of $54 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 2025) are as follows: average revenue is $15.08B (high $15.67B, low $13.63B), average EBITDA is $6.55B (high $6.81B, low $5.92B), average net income is $2.57B (high $2.77B, low $2.05B), average SG&A $2.88B (high $2.99B, low $2.6B), and average EPS is $6.48 (high $6.99, low $5.17). SYF's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $16B (high $16.52B, low $14.56B), average EBITDA is $6.95B (high $7.17B, low $6.32B), average net income is $3.15B (high $3.28B, low $2.78B), average SG&A $3.05B (high $3.15B, low $2.78B), and average EPS is $7.93 (high $8.27, low $7.01).

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 $5.87B by -42.77%. 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 $1.54B by -57.22%. 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%