/SYF
SYF Stock - Synchrony Financial
Financial Services|Financial - Credit ServicesNYSE
$84.68+1.20%
+$1.00 (+1.20%) • Dec 19
63
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.96
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).47
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.62
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-1.4%upside
Target: $83.49
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ENTRY ZONE$83.83 – $85.53
TARGET (TP)$83.50
STOP LOSS$77.91
RISK/REWARD1:-0.2
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.45
52W High$86.22
52W Low$40.55
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $20.76B | $17.34B | $13.20B | $11.22B | $12.83B |
| Gross Profit | $9.39B | $7.66B | $8.30B | $9.47B | $5.85B |
| Gross Margin | 45.2% | 44.2% | 62.9% | 84.3% | 45.6% |
| Operating Income | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B |
| Net Income | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B |
| Net Margin | 16.9% | 12.9% | 22.9% | 37.6% | 10.8% |
| EPS | $8.64 | $5.21 | $6.19 | $7.40 | $2.28 |
Company Overview
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
12
48%
Hold / Neutral
12
48%
Sell / Underperform
1
4%
Analyst Consensus🔴 Bearish
12 Bullish13 Neutral/Bearish
Price Targets
$55
Average Target
↓ 35.2% Downside
Now
$22
Low
$55
Average
$100
High
Based on 33 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 8th 2025 | Wolfe Research | Resumed | Outperform | $92 |
| December 5th 2025 | Robert W. Baird | Downgrade | Neutral | $82 |
| October 10th 2025 | HSBC Securities | Upgrade | Buy | $81 |
| October 7th 2025 | JP Morgan | Downgrade | Neutral | $75 |
| August 1st 2025 | Rothschild & Co Redburn | Initiation | Neutral | $72 |
| July 14th 2025 | BTIG Research | Upgrade | Buy | $100 |
| April 7th 2025 | Morgan Stanley | Downgrade | Equal Weight | $44 |
| January 28th 2025 | Compass Point | Downgrade | Neutral | $70 |
| January 6th 2025 | Barclays | Upgrade | Overweight | $79← $59 |
| December 19th 2024 | Morgan Stanley | Upgrade | Overweight | $82← $40 |
| December 9th 2024 | JP Morgan | Upgrade | Overweight | $72← $59 |
| December 3rd 2024 | Wells Fargo | Upgrade | Overweight | $85← $60 |
| September 16th 2024 | BTIG Research | Downgrade | Neutral | - |
| August 9th 2024 | BofA Securities | Upgrade | Buy | $54 |
| July 16th 2024 | Compass Point | Initiation | Buy | $56 |
Earnings History & Surprises
SYFBeat Rate
78%
Last 18 quarters
Avg Surprise
+12.8%
EPS vs Estimate
Beats / Misses
14/3
1 met exactly
Latest EPS
$2.86
Q4 2025
EPS Surprise History
Q1 24
+10.8%
$1.03vs$0.93
Q2 24
-11.9%
$1.18vs$1.34
Q3 24
+14.8%
$1.55vs$1.35
Q4 24
+8.4%
$1.94vs$1.79
Q1 25
-1.0%
$1.91vs$1.93
Q2 25
+13.2%
$1.89vs$1.67
Q3 25
+37.4%
$2.50vs$1.82
Q4 25
+28.8%
$2.86vs$2.22
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $1.98 | — | — | — |
Q4 2025 | Oct 15, 2025 | $2.22 | $2.86 | +28.8% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $1.82 | $2.50 | +37.4% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $1.67 | $1.89 | +13.2% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $1.93 | $1.91 | -1.0% | ✗ MISS |
Q4 2024 | Oct 16, 2024 | $1.79 | $1.94 | +8.4% | ✓ BEAT |
Q3 2024 | Jul 17, 2024 | $1.35 | $1.55 | +14.8% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $1.34 | $1.18 | -11.9% | ✗ MISS |
Q1 2024 | Jan 23, 2024 | $0.93 | $1.03 | +10.8% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $1.43 | $1.48 | +3.5% | ✓ BEAT |
Q3 2023 | Jul 18, 2023 | $1.24 | $1.32 | +6.5% | ✓ BEAT |
Q2 2023 | Apr 19, 2023 | $1.46 | $1.35 | -7.5% | ✗ MISS |
Q1 2023 | Jan 23, 2023 | $1.11 | $1.26 | +13.5% | ✓ BEAT |
Q4 2022 | Oct 25, 2022 | $1.38 | $1.47 | +6.5% | ✓ BEAT |
Q3 2022 | Jul 18, 2022 | $1.43 | $1.60 | +11.9% | ✓ BEAT |
Q2 2022 | Apr 18, 2022 | $1.54 | $1.77 | +14.9% | ✓ BEAT |
Q1 2022 | Jan 28, 2022 | $1.48 | $1.48 | 0.0% | = MET |
Q4 2021 | Oct 19, 2021 | $1.51 | $2.00 | +32.5% | ✓ BEAT |
Q3 2021 | Jul 20, 2021 | $1.43 | $2.12 | +48.3% | ✓ BEAT |
Latest News
Wells Fargo Maintains Overweight on Synchrony Financial, Raises Price Target to $95
📈 PositiveBenzinga•Dec 17, 2025, 05:22 PM
Wolfe Research Assumes Synchrony Financial at Outperform, Announces Price Target of $92
📈 PositiveBenzinga•Dec 8, 2025, 04:38 PM
Baird Downgrades Synchrony Financial to Neutral, Maintains Price Target to $82
➖ NeutralBenzinga•Dec 5, 2025, 12:41 PM
Shares of banks and financial services stocks are trading higher after Fed Governor Waller called for a December rate cut.
📈 PositiveBenzinga•Nov 24, 2025, 06:36 PM•Also: , ,
Truist Securities Maintains Hold on Synchrony Financial, Lowers Price Target to $78
➖ NeutralBenzinga•Oct 17, 2025, 02:00 PM
Wells Fargo Maintains Overweight on Synchrony Financial, Raises Price Target to $85
📈 PositiveBenzinga•Oct 16, 2025, 01:47 PM
Barclays Maintains Overweight on Synchrony Financial, Raises Price Target to $86
📈 PositiveBenzinga•Oct 16, 2025, 12:01 PM•Also:
BTIG Reiterates Buy on Synchrony Financial, Maintains $100 Price Target
📈 PositiveBenzinga•Oct 16, 2025, 10:03 AM
Synchrony Financial Narrows FY2025 Sales Guidance from $15.000B-$15.300B to $15.000B-$15.100B vs $17.825B Est
📉 NegativeBenzinga•Oct 15, 2025, 10:02 AM
Synchrony Financial GAAP EPS of $2.86 beats by $0.64, revenue of $3.82B beats by $20M
📈 PositiveSeeking Alpha•Oct 15, 2025, 10:02 AM
Synchrony Finl Q3 EPS $2.86 Beats $2.20 Estimate, Sales $4.720B Beat $4.692B Estimate
📈 PositiveBenzinga•Oct 15, 2025, 10:01 AM
Shares of broader financial services stocks are trading higher amid an overall market rebound on hopes of easing US-China trade tensions.
📈 PositiveBenzinga•Oct 13, 2025, 06:02 PM•Also: , ,
HSBC Upgrades Synchrony Financial to Buy, Raises Price Target to $81
📈 PositiveBenzinga•Oct 10, 2025, 12:39 PM•Also:
UBS Maintains Neutral on Synchrony Financial, Raises Price Target to $79
➖ NeutralBenzinga•Oct 7, 2025, 04:43 PM
JP Morgan Downgrades Synchrony Financial to Neutral, Lowers Price Target to $75
📉 NegativeBenzinga•Oct 7, 2025, 11:15 AM•Also:
Barclays Maintains Overweight on Synchrony Financial, Raises Price Target to $83
📈 PositiveBenzinga•Oct 6, 2025, 03:40 PM•Also:
Keefe, Bruyette & Woods Maintains Outperform on Synchrony Financial, Raises Price Target to $86
📈 PositiveBenzinga•Oct 1, 2025, 05:06 PM
Evercore ISI Group Maintains Outperform on Synchrony Financial, Raises Price Target to $84
📈 PositiveBenzinga•Sep 30, 2025, 05:34 PM
Morgan Stanley Maintains Equal-Weight on Synchrony Financial, Raises Price Target to $82
📈 PositiveBenzinga•Sep 29, 2025, 05:45 PM
JMP Securities Maintains Market Outperform on Synchrony Financial, Raises Price Target to $88
📈 PositiveBenzinga•Sep 25, 2025, 01:17 PM
Frequently Asked Questions about SYF
What is SYF's current stock price?
Synchrony Financial (SYF) is currently trading at $84.68 per share. The stock has moved +1.20% today.
What is the analyst price target for SYF?
The average analyst price target for SYF is $83.50, based on 1 analyst.
What sector is Synchrony Financial in?
Synchrony Financial operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NYSE exchange.
What is SYF's market cap?
Synchrony Financial has a market capitalization of $32.11 billion, making it a large-cap company.
Does SYF pay dividends?
No, Synchrony Financial does not currently pay a dividend to shareholders.
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