SYNCHRONY FINANCIAL (SYF) Forecast, Price Target & Analyst Ratings

NYSE:SYF • US87165B1035

Current stock price

77.63 USD
-0.95 (-1.21%)
At close:
77.63 USD
0 (0%)
After Hours:

Analyst forecast overview

View the latest analyst price targets, stock forecast, EPS estimates, revenue projections, revisions, full estimates, rating distribution and upgrades/downgrades for SYNCHRONY FINANCIAL (SYF).

Forecast Snapshot

Consensus Price Target

Price Target
$89.81
+ 15.69% Upside
→ Price target details

Next Earnings Forecast

Earnings Estimate
Release Date
N/A
Period
Q2 / 2026
EPS Estimate
$2.27
Revenue Estimate
4.455B
→ Full earnings forecast details

ChartMill Buy Consensus

Rating
80.00%
Weighted Analyst Rating Score
→ Analyst Ratings details

Price Target Details & History

Consensus Price Target and Range

Mean target
$89.81
Upside
+ 15.69%
From current price of $77.63 to mean target of $89.81, Based on 27 analyst forecasts
Low
$71.71
Median
$89.76
High
$108.15

Price Target Revisions

1 Month
-3.45%
3 Months
-3.40%

Price Target Summary

27 Wall Street analysts provided a forecast for the next 12 months for SYF. The average price target is 89.81 USD. This implies a price increase of 15.69% is expected in the next year compared to the current price of 77.63.
The average price target has been revised downward by 3.4% in the past 3 months.
→ Find peer stocks trading 30% below analyst price target

Analyst Ratings & History

Current Analyst Ratings

SYF Current Analyst RatingSYF Current Analyst Buy, Sell and Hold Ratings.Current Analyst Rating Strong Buy Buy Hold Sell Strong Sell 2 4 6 8 10

Analyst Ratings History

SYF Historical Analyst RatingsSYF Historical Analyst Buy, Sell and Hold Ratings and number of analysts.Historical Monthly Analyst Rating -19 -17 -15 -13 -11 -9 -7 -5 -3 -1 5 10 15 20 25

Analyst Ratings Consensus

ChartMill Buy Consensus
80.00%
SYF was analyzed by 27 analysts. The buy percentage consensus is at 80. So analysts seem to be have mildly positive about SYF.
In the previous month the buy percentage consensus was at a similar level.
SYF was analyzed by 27 analysts, which should be a sufficient number of analysts to have a meaningful average consensus rating.
→ Find peer stocks with a buy consensus above 85%

Recent Upgrades & Downgrades

DateFirmActionFrom → To
2026-04-09Wells FargoMaintains Overweight -> Overweight
2026-04-09JP MorganMaintains Neutral -> Neutral
2026-04-06BarclaysMaintains Overweight -> Overweight
2026-04-06Evercore ISI GroupMaintains Outperform -> Outperform
2026-03-23Truist SecuritiesMaintains Hold -> Hold
2026-03-11BTIGReiterate Buy -> Buy
2026-02-13BairdUpgrade Neutral -> Outperform
2026-01-29Truist SecuritiesMaintains Hold -> Hold
2026-01-28BTIGMaintains Buy -> Buy
2026-01-28RBC CapitalMaintains Sector Perform -> Sector Perform
2026-01-28BarclaysMaintains Overweight -> Overweight
2026-01-28JP MorganMaintains Neutral -> Neutral
2026-01-12JP MorganMaintains Neutral -> Neutral
2026-01-08TD CowenMaintains Buy -> Buy
2026-01-06BarclaysMaintains Overweight -> Overweight
2026-01-05Wells FargoMaintains Overweight -> Overweight
2026-01-02Keefe, Bruyette & WoodsMaintains Outperform -> Outperform
2025-12-22Truist SecuritiesMaintains Hold -> Hold
2025-12-17Wells FargoMaintains Overweight -> Overweight
2025-12-05BairdDowngrade Outperform -> Neutral
2025-10-17Truist SecuritiesMaintains Hold -> Hold
2025-10-16BTIGReiterate Buy -> Buy
2025-10-16BarclaysMaintains Overweight -> Overweight
2025-10-16Wells FargoMaintains Overweight -> Overweight
2025-10-10HSBCUpgrade Hold -> Buy

Next Earnings Forecast Details

Next Earnings Details

Release Date
N/A
Period
Q2 / 2026
EPS Estimate
$2.27
Revenue Estimate
4.455B
Revenue Q2Q
-1.46%
EPS Q2Q
-9.24%
Number of Analysts
22

Next Earnings Revisions

Revenue (1 Month)
-0.79%
Revenue (3 Months)
-6.32%
EPS (1 Month)
3.03%
EPS (3 Months)
3.01%

Next Earnings Summary

The next earnings revenue estimate has been revised downward by 6.32% in the past 3 months. Downward revisions are a negative sign and indicate that analysts are more pessimistic about the next earnings compared to 3 months ago.
→ Find peers expecting at least 20% revenue growth next quarter

Full Analyst Estimates 2026 - 2030

Yearly Earnings Per Share (EPS), Revenue, EBIT, EBITDA and Operating Margin Analyst Estimates

2023 2024 2025 2026 2027 2028 2029 2030
Revenue
YoY % growth
SYF revenue by date.SYF revenue by date.
17.288B
8.02%		19.532B
12.98%		18.986B
-2.80%		18.041B
-4.98%		18.962B
5.11%		19.1B
0.73%		16.154B
-15.42%		16.42B
1.65%
EBITDA
YoY % growth
SYF ebitda by date.SYF ebitda by date.
N/A
-27.26%		N/A
12.01%		N/A
3.49%		3.513B
10.61%		N/AN/AN/AN/A
EBIT
YoY % growth
SYF ebit by date.SYF ebit by date.
N/A
20.86%		N/A
19.47%		N/A
-13.27%		9.727B
4.94%		9.446B
-2.89%		6.052B
-35.93%		10.304B
70.26%		10.379B
0.73%
Operating Margin
SYF operating margin by date.SYF operating margin by date.
N/AN/AN/A53.92%49.82%31.69%63.79%63.21%
EPS
YoY % growth
SYF eps by date.SYF eps by date.
5.18
-15.08%		8.54
64.86%		9.29
8.78%		9.33
0.41%		10.43
11.84%		11.59
11.12%		7.00
-39.62%		N/A

All data in USD

Quarterly Earnings Per Share (EPS), Revenue, EBIT and EBITDA Analyst Estimates

Q2 / 26 Q3 / 26 Q4 / 26 Q1 / 27 Q2 / 27 Q3 / 27 Q4 / 27 Q1 / 28 Q2 / 28 Q3 / 28 Q4 / 28
EPS
Q2Q % growth		2.27
-9.24%		2.63
-8.18%		2.30
12.70%		2.45
7.76%		2.62
15.63%		2.94
12.01%		2.49
8.12%		2.85
16.44%		2.79
6.24%		3.95
34.25%		3.34
34.50%
Revenue
Q2Q % growth		4.455B
-1.46%		4.621B
-2.10%		4.803B
0.88%		4.654B
-2.39%		4.646B
4.29%		4.788B
3.61%		4.946B
2.98%		5.382B
15.64%		5.417B
16.59%		5.628B
17.54%		5.755B
16.36%
EBITDA
Q2Q % growth		N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
EBIT
Q2Q % growth		2.317B
-8.27%		2.472B
-6.75%		2.455B
1.82%		2.68B
14.92%		2.655B
14.59%		2.817B
13.96%		2.878B
17.23%		N/AN/AN/AN/A

All data in USD

Yearly Earnings Per Share (EPS) and Revenue Trends vs Historical Data

SYF Yearly Revenue VS EstimatesSYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
SYF Yearly EPS VS EstimatesSYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

Long Term Forward Growth Forecast Summary

Long Term EPS Growth (CAGR)

EPS Next 3 Year
7.66%
EPS Next 5 Year
-6.83%

Long Term Revenue Growth (CAGR)

Revenue Next 3 Year
1.37%
Revenue Next 5 Year
-2.19%

Long Term EBIT Growth (CAGR)

EBIT Next 3 Year
N/A
EBIT Next 5 Year
N/A
→ Find peers expecting at least 20% CAGR revenue growth over the next 3 years

SYNCHRONY FINANCIAL / SYF Forecast FAQ

What is the price target for SYF stock?

27 analysts have analysed SYF and the average price target is 89.81 USD. This implies a price increase of 15.69% is expected in the next year compared to the current price of 77.63.

What are the consensus estimates for SYF stock next earnings?

The consensus EPS estimate for the next earnings of SYNCHRONY FINANCIAL (SYF) is 2.27 USD and the consensus revenue estimate is 4.46B USD.

Can you provide the expected long term growth rate for SYNCHRONY FINANCIAL stock?

The expected long term growth rate for SYNCHRONY FINANCIAL (SYF) is 1.37%.