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Synchrony Financial (SYF): analyst forecast and price target
Analyst consensus
Moderate Buy7 Buy5 Hold0 Sell
Ratings of 12 analysts in the last 3 months · top analysts only12-month forecast
Based on 12 price targets given in the last 3 months, the average target is $87.27, the highest $104, the lowest $74.00. The average is +18.4% from the last price of $73.68.
Analyst ratings 21
| Analyst | Firm | Price target | Rating | Upside | Action | Date | Move vs SPY | |
|---|---|---|---|---|---|---|---|---|
| Jeffrey Adelson★★★★★★★★★★#11802 · hits 39% · avg −8.6% | Morgan Stanley | $84.00 → $83.00−1.2% | Hold | +12.6% | Reiterated | 12.10.26on TipRanks 07:50 | +1.2%next day 0.0% | ↗ |
| Richard Shane★★★★★★★★★★#490 · hits 64% · avg +10.8% | J.P. Morgan | $78.00 → $74.00−5.1% | Hold | +0.4% | Reiterated | 12.10.26on TipRanks 06:35 | +1.2%next day 0.0% | ↗ |
| Jon Arfstrom★★★★★★★★★★#325 · hits 62% · avg +15.8% | RBC Capital | $80.00 | Hold | +8.6% | Reiterated | 09.10.26on TipRanks Oct 12 21:45 | −1.8%next day +1.2% · 5 days +3.2% | ↗ |
| Andrew Bauch★★★★★★★★★★#9593 · hits 48% · avg −0.8% | BMO Capital | $81.00 | Hold | +9.9% | Initiated | 08.10.26on TipRanks 16:15 | −1.8%next day +1.2% · 5 days +3.2% | ↗ |
| Moshe Orenbuch★★★★★★★★★★#69 · hits 71% · avg +23.3% | TD Cowen | $90.00 → $86.00−4.4% | Buy | +16.7% | Reiterated | 06.10.26on TipRanks 09:50 | −0.2%next day −0.1% · 5 days +2.1% | ↗ |
| Erika Najarian★★★★★★★★★★#1176 · hits 62% · avg +10.6% | UBS | $87.00 → $81.00−6.9% | Hold | +9.9% | Reiterated | 05.10.26on TipRanks 06:15 | −0.5%next day −0.2% · 5 days +2.0% | ↗ |
| Terry Ma★★★★★★★★★★#4981 · hits 56% · avg +1.7% | Barclays | $93.00 | Buy | +26.2% | Reiterated | 05.10.26on TipRanks 05:01 | −0.5%next day −0.2% · 5 days +2.0% | ↗ |
| John Pancari★★★★★★★★★★#3316 · hits 58% · avg +3.6% | Evercore ISI | $86.00 → $80.00−7.0% | Buy | +8.6% | Reiterated | 01.10.26on TipRanks 07:50 | +0.6%next day −0.4% · 5 days +1.8% | ↗ |
| Donald Fandetti★★★★★★★★★★#586 · hits 64% · avg +10.4% | Wells Fargo | $88.00 | Buy | +19.4% | Assigned | 30.09.26on TipRanks 06:30 | −0.8%next day +0.6% · 5 days −0.6% | ↗ |
| Mihir Bhatia★★★★★★★★★★#623 · hits 68% · avg +10.8% | Bank of America Securities | $89.00 | Buy | +20.8% | Reiterated | 25.09.26on TipRanks 06:55 | +1.4%next day −1.2% · 5 days −1.4% | ↗ |
| Unknown Analyst | Goldman Sachs | $87.00 | Buy | +18.1% | Reiterated | 22.09.26on TipRanks Sep 25 06:55 | −3.1%next day −2.0% · 5 days −0.1% | ↗ |
| Vincent Caintic★★★★★★★★★★#2614 · hits 52% · avg +5.5% | BTIG | — | Hold | — | Reiterated | 14.09.26on TipRanks Sep 15 06:25 | +0.3%next day +0.7% · 5 days −3.1% | ↗ |
| Darrin Peller★★★★★★★★★★#767 · hits 62% · avg +9.0% | Wolfe Research | $85.00 → $90.00+5.9% | Buy | +22.1% | Reiterated | 25.08.26on TipRanks 05:55 | +0.6%next day −1.2% · 5 days −4.6% | ↗ |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $90.00 → $93.00+3.3% | Buy | +26.2% | Reiterated | 20.08.26on TipRanks 00:06 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $81.00 → $89.00+9.9% | Buy | +20.8% | Reiterated | 01.08.26on TipRanks Jul 31 23:05 | — | |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $81.00 → $90.00+11.1% | Buy | +22.1% | Reiterated | 01.08.26on TipRanks Jul 31 23:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $77.00 → $85.00+10.4% | Hold | +15.4% | Reiterated | 01.08.26on TipRanks Jul 31 23:05 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $79.00 → $88.00+11.4% | Buy | +19.4% | Reiterated | 01.08.26on TipRanks Jul 31 23:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $79.00 → $86.00+8.9% | Buy | +16.7% | Reiterated | 01.08.26on TipRanks Jul 31 23:05 | — | |
| Brian Foran★★★★★★★★★★#1198 · hits 81% · avg +13.2% | Truist Financial | $80.00 | Hold | +8.6% | Reiterated | 28.07.26on TipRanks 22:25 | −1.2%next day +1.3% · 5 days +0.6% | ↗ |
| Mark DeVries★★★★★★★★★★#242 · hits 65% · avg +16.1% | Deutsche Bank | $101 → $104+3.0% | Buy | +41.2% | Assigned | 22.07.26on TipRanks Jul 23 21:12 | +0.9%next day −0.2% · 5 days +5.4% | ↗ |
| Unknown Analyst | Jefferies | $103 | Buy | +39.8% | Reiterated | 22.07.26on TipRanks Jul 23 21:12 | +0.9%next day −0.2% · 5 days +5.4% | ↗ |
| David George★★★★★★★★★★#636 · hits 67% · avg +11.0% | Robert W. Baird | $86.00 → $90.00+4.7% | Buy | +22.1% | Reiterated | 22.07.26on TipRanks Jul 23 21:12 | +0.9%next day −0.2% · 5 days +5.4% | ↗ |
| Sanjay Sakhrani★★★★★★★★★★#112 · hits 72% · avg +16.0% | KBW | $98.00 | Buy | +33.0% | Reiterated | 22.07.26on TipRanks Jul 23 21:12 | +0.9%next day −0.2% · 5 days +5.4% | ↗ |
| Saul Martinez★★★★★★★★★★#2934 · hits 65% · avg +6.7% | HSBC | $93.00 → $97.00+4.3% | Buy | +31.7% | Reiterated | 12.07.26on TipRanks Jul 13 05:45 | +1.8%next day +0.3% · 5 days +1.2% | ↗ |
| Dominick Gabriele★★★★★★★★★★#3757 · hits 50% · avg +3.7% | Loop Capital Markets | $81.00 | Hold | +9.9% | Initiated | 21.05.26on TipRanks May 22 13:30 | −0.3%next day −0.6% · 5 days −2.6% | ↗ |
| David Scharf★★★★★★★★★★#396 · hits 56% · avg +17.9% | Citizens JMP | $88.00 → $95.00+8.0% | Buy | +28.9% | Reiterated | 20.01.26on TipRanks 06:20 | −3.1%next day +0.2% · 5 days −6.7% | ↗ |
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The latest rating of each analyst in the last 12 months, as TipRanks lists them. Every rating kept, earlier ones included
Best analysts covering Synchrony Financial
TipRanks picks them by their record on this stock; the figures under the name are their record across all their ratings.
Most accurate
Most profitable
How the average price target moved
The average target of all analysts (their ratings of the 3 months before) on each day, the top analysts’ dashed, against the price; the site keeps this record since 1 October 2026. On 01.10.26: target $89.29 at a price of $70.97 (+25.8%); now: $87.47 at $73.68 (+18.7%).
PriceAverage targetTop analysts’ target
Recommendation trend · top analysts
Strong BuyBuyHoldSell
| Rating | 05.26 | 06.26 | 07.26 | 08.26 | 09.26 | 10.26 |
|---|---|---|---|---|---|---|
| Strong Buy | 0 | 0 | 0 | 0 | 0 | 0 |
| Buy | 12 | 12 | 14 | 17 | 18 | 11 |
| Hold | 9 | 10 | 11 | 11 | 10 | 5 |
| Sell | 0 | 0 | 0 | 0 | 0 | 0 |
Earnings and sales forecast
Next report: 20.10.26 (Q3 2026, date not confirmed)
Earnings per share
Next quarter’s EPS estimate — $2.42 (from $2.30 to $2.75). Last quarter: $2.59.
Sales
Next quarter’s sales estimate — $3.8B (from $3.7B to $3.9B). Last quarter: $4.7B.
Best top-analyst consensus in the sector · Financial
About Synchrony Financial
- CEO: Brian D. Doubles
- Employees: 20,000
- 777 Long Ridge Road, Stamford, CT, 06902, US
- www.synchrony.com
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Data from the stock’s TipRanks forecast page, read 3 min ago. It is read again as soon as a new rating appears and at least every 8 hours. TipRanks ↗