Logo Synchrony Financial

Synchrony Financial (SYF) stock: analyst price target and their real reliability

Live quote · data updated Oct 14, 2026
Synchrony Financial · Financials · ref. ETF XLF · 54 calls · price $73.59
🏆JPI 2026 portfoliosSee tracking →
What the company does: Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.

📈 Synchrony Financial (SYF) stock price

$73.59+1.0% over range
Oct 14, 25low $63.78 · high $88.47Oct 13, 26
📏 Click 2 points (left → right) to measure the change · click again to clear.
SellBuy
Hold
47% recommend buying · 15 analysts
📊 JPI status : Synchrony Financial has never appeared in a JPI ranking (Fair or Risk +) — our methods haven't picked it to date. See the selected stocks →

🎯 SYF price target & analyst consensus — price $73.59

The price target · all analysts combined (14 targets)
Highest target · 1 firm of 14$97+31.8%
Median target · of 14 targets$82.5+12.1%
Lowest target · 1 firm of 14$74+0.6%
Current price$73.59
Where these 14 targets sit · versus the current price · 1 target per firm, last 6 months
Above the price 14100% $74 ↔ $97
⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: RBC Capital — 73% of its targets hit on this sector (479 calls tested). It aims for $80 (+8.7 %), call made on July 23, 2026, maturing on July 23, 2027 (83 d ago).

The 10 reliable analysts $82+11 %
The 4 other firms $87.50+19 %
How to read it: the 10 reliable firms are not filtered by optimism — 10 aim above the price, 0 below, hence their $82 median. “The 4 others” are the firms that don't pass our reliability filter on this sector.
The consensus · 15 ratings (last 6 months)
Strong Buy00%
Buy747%
Hold853%
Sell00%
Strong Sell00%
Go deeper on the analysts
All analysts (the consensus)  ·  vs  ·  the best (those who've been right)
💬 A question about Synchrony Financial? The JPI assistant answers using our backtest data.

💰 Synchrony Financial dividend: yield, history & growth › open the full page

1.56%annual yield
That's ~$1.20 per share per year.

📈 Synchrony Financial fundamentals: valuation, margins & growth › open the full page

P/E 7.5Net margin 35.5 %Revenue growth +0.6 %Low P/E

Revenue, net income and margin per year

Revenue Net income · hover a bar for details
2022
marg. 25 %
2023
Rev +17%Profit −26%
2024
Rev +18%Profit +56%
2025
Rev −7%Profit +1%

🔎 Detailed analyses

🏛️ Which US Congress members hold Synchrony Financial (SYF)?

6 Congress members have disclosed SYF buys. Click a highlighted name to see their track record (do they beat the S&P 500?).
Susie Lee 4× · 43%Dean Phillips 1× · 39%Gilbert Cisneros 1× · 48%Josh Gottheimer 1× · 56%Zoe Lofgren 1× · 41%Kathy Manning 1× · 43%
→ Full members ranking (who beats the market)

✅ Historical analyst reliability on SYF

Hit rate measured on targets already matured (12 months), replayed against real prices. Click a header to sort.

Firm ↕ % right i ↕ Gain vs sector i ↕ Calls i ↕
TD Cowen ↗ 100% +47.3% 3
Compass Point ↗ 100% +28.4% 3
Oppenheimer ↗ 100% +28.0% 2
JP Morgan ↗ 100% +21.8% 6
Wolfe Research ↗ 100% +12.2% 2
Keefe, Bruyette & Woods ↗ 83% +18.1% 6
Piper Sandler ↗ 80% +38.0% 5
Goldman Sachs ↗ 77% +18.6% 13
BTIG ↗ 75% +23.3% 4
Jefferies ↗ 75% +22.0% 4
See the other 12 firms
Buckingham Research 0% -13.2% 2
Morgan Stanley ↗ 20% -25.9% 20
Nomura 33% +0.9% 3
Barclays ↗ 45% -1.4% 11
Wells Fargo ↗ 55% +16.3% 11
B of A Securities ↗ 60% -3.4% 5
Credit Suisse 64% +19.8% 14
BMO Capital ↗ 64% +20.0% 14
JMP Securities 67% +31.2% 24
Deutsche Bank ↗ 67% +32.5% 6
Evercore ISI Group ↗ 71% +20.2% 7
Citigroup ↗ 73% +23.2% 11

📊 What $1,000 invested in Synchrony Financial would be worth › open the full page

In short — $1,000 invested in Synchrony Financial 10 years ago would be worth $2,501 today, i.e. +10%/yr on average. Best year: 2024 (+70%), worst: 2018 (-39%). Price performance, excluding dividends.

If I'd invested $1,000 in Synchrony Financial

InvestmentWorth todayGain
1 years ago$1,170+17%
3 years ago$2,314+131%
5 years ago$2,191+119%
→ See Synchrony Financial's full return history + gain calculator

Return by year (Synchrony Financial)

YearReturn$1,000 invested at year start
2026 (YTD)-9%$912 (-9%)
2025+28%$1,170 (+17%)
2024+70%$1,991 (+99%)
→ See Synchrony Financial's full return history + gain calculator
⚠️ Past performance, not predictive nor advice. Prices in $, excluding dividends. Yahoo Finance data.

📰 Recent news on Synchrony Financial

Loading news…

📋 All analyst calls on SYF

Morgan Stanley ↗
Oct 12, 26
■ Equal-Weight neutral · not a buy · 🎯$83
Price at call : $73.59 — gap to target +13%
Today : $73.59 — gap to target +13%
🎯 on SYF : no call matured yet · 📊 on Finance : 53.9% · +2.1% (1123 calls)
in progress (365j)
matures : Oct 12, 27
JP Morgan ↗
Oct 12, 26
■ Neutral neutral · not a buy · 🎯$74
Price at call : $73.59 — gap to target +1%
Today : $73.59 — gap to target +1%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Oct 12, 27
BMO Capital ↗
Oct 9, 26
■ Market Perform neutral · not a buy · 🎯$81
Price at call : $72.8 — gap to target +11%
Today : $73.59 — gap to target +10%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.1% · +2.8% (268 calls)
in progress (365j)
matures : Oct 9, 27
TD Cowen ↗
Oct 6, 26
▲ Buy · 🎯$86
Price at call : $71.93 — upside +20%
Today : $73.59 — upside +17%
🎯 on SYF : no call matured yet · 📊 on Finance : 39% · -6.5% (59 calls)
in progress (365j)
matures : Oct 6, 27
UBS ↗
Oct 5, 26
■ Neutral neutral · not a buy · 🎯$81
Price at call : $72.16 — gap to target +12%
Today : $73.59 — gap to target +10%
🎯 on SYF : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Oct 5, 27
▲ Outperform · 🎯$80
Price at call : $71.77 — upside +11%
Today : $73.59 — upside +9%
🎯 on SYF : no call matured yet · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Oct 1, 27
Wolfe Research ↗
Aug 25, 26
▲ Outperform · 🎯$90
Price at call : $79.78 — upside +13%
Today : $73.59 — upside +22%
🎯 on SYF : no call matured yet · 📊 on Finance : 55.4% · +7.8% (65 calls)
in progress (365j)
matures : Aug 25, 27
UBS ↗
Aug 3, 26
■ Neutral neutral · not a buy · 🎯$87
Price at call : $79.08 — gap to target +10%
Today : $73.59 — gap to target +18%
🎯 on SYF : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Aug 3, 27
See the other 46 calls, newest to oldest
▲ Outperform · 🎯$86
Price at call : $74.97 — upside +15%
Today : $73.59 — upside +17%
🎯 on SYF : no call matured yet · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Jul 28, 27
Wells Fargo ↗
Jul 22, 26
▲ Overweight · 🎯$88
Price at call : $71.77 — upside +23%
Today : $73.59 — upside +20%
🎯 on SYF : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Jul 22, 27
RBC Capital ↗
Jul 22, 26
■ Sector Perform neutral · not a buy · 🎯$80
Price at call : $71.77 — gap to target +11%
Today : $73.59 — gap to target +9%
🎯 on SYF : no call matured yet · 📊 on Finance : 44.5% · -1.3% (479 calls)
in progress (365j)
matures : Jul 22, 27
Baird ↗
Jul 22, 26
▲ Outperform · 🎯$90
Price at call : $72.81 — upside +24%
Today : $73.59 — upside +22%
🎯 on SYF : no call matured yet · 📊 on Finance : 52.7% · +0.7% (165 calls)
in progress (365j)
matures : Jul 22, 27
HSBC ↗
Jul 13, 26
▲ Buy · 🎯$97
Price at call : $73.68 — upside +32%
Today : $73.59 — upside +32%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 42.3% · -2.5% (26 calls)
in progress (365j)
matures : Jul 13, 27
JP Morgan ↗
Jul 13, 26
■ Neutral neutral · not a buy · 🎯$78
Price at call : $73.21 — gap to target +7%
Today : $73.59 — gap to target +6%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Jul 13, 27
TD Cowen ↗
Jul 7, 26
▲ Buy · 🎯$90
Price at call : $68.26 — upside +32%
Today : $73.59 — upside +22%
🎯 on SYF : no call matured yet · 📊 on Finance : 39% · -6.5% (59 calls)
in progress (365j)
matures : Jul 7, 27
UBS ↗
Jul 7, 26
■ Neutral neutral · not a buy · 🎯$84
Price at call : $75.52 — gap to target +11%
Today : $73.59 — gap to target +14%
🎯 on SYF : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Jul 7, 27
Loop Capital ↗
May 22, 26
■ Hold neutral · not a buy · 🎯$81
Price at call : $71.9 — gap to target +13%
Today : $73.59 — gap to target +10%
🎯 on SYF : no call matured yet · 📊 on Finance : 50% · -7.0% (8 calls)
in progress (365j)
matures : May 22, 27
■ Hold neutral · not a buy · 🎯$82
Price at call : $76.62 — gap to target +7%
Today : $73.59 — gap to target +11%
🎯 on SYF : no call matured yet · 📊 on Finance : 60.2% · +6.0% (133 calls)
in progress (365j)
matures : Apr 23, 27
Barclays ↗
Apr 22, 26
▲ Overweight · 🎯$93
Price at call : $78.69 — upside +18%
Today : $73.59 — upside +26%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Apr 22, 27
Baird ↗
Apr 22, 26
▲ Outperform · 🎯$86
Price at call : $78.69 — upside +9%
Today : $73.59 — upside +17%
🎯 on SYF : no call matured yet · 📊 on Finance : 52.7% · +0.7% (165 calls)
in progress (365j)
matures : Apr 22, 27
BTIG ↗
Apr 22, 26
■ Neutral neutral · not a buy
🎯 on SYF : no call matured yet · 📊 on Finance : 30% · -15.9% (20 calls)
in progress (365j)
matures : Apr 22, 27
JP Morgan ↗
Apr 9, 26
■ Neutral neutral · not a buy · 🎯$73
Price at call : $72.41 — gap to target +1%
Today : $73.59 — gap to target -1%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Apr 9, 27
Wells Fargo ↗
Apr 9, 26
▲ Overweight · 🎯$95
Price at call : $72.41 — upside +31%
Today : $73.59 — upside +29%
🎯 on SYF : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Apr 9, 27
▲ Outperform · 🎯$80
Price at call : $68.85 — upside +16%
Today : $73.59 — upside +9%
🎯 on SYF : no call matured yet · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Apr 6, 27
Barclays ↗
Apr 6, 26
▲ Overweight · 🎯$82
Price at call : $68.85 — upside +19%
Today : $73.59 — upside +11%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Apr 6, 27
■ Hold neutral · not a buy · 🎯$71
Price at call : $67.27 — gap to target +6%
Today : $73.59 — gap to target -4%
🎯 on SYF : no call matured yet · 📊 on Finance : 60.2% · +6.0% (133 calls)
in progress (365j)
matures : Mar 23, 27
BTIG ↗
Mar 11, 26
▲ Buy · 🎯$96
Price at call : $63.97 — upside +50%
Today : $73.59 — upside +30%
🎯 on SYF : no call matured yet · 📊 on Finance : 30% · -15.9% (20 calls)
in progress (365j)
matures : Mar 11, 27
Baird ↗
Feb 13, 26
▲ Outperform · 🎯$83
Price at call : $71.38 — upside +16%
Today : $73.59 — upside +13%
🎯 on SYF : no call matured yet · 📊 on Finance : 52.7% · +0.7% (165 calls)
in progress (365j)
matures : Feb 13, 27
■ Hold neutral · not a buy · 🎯$84
Price at call : $72.63 — gap to target +16%
Today : $73.59 — gap to target +14%
🎯 on SYF : no call matured yet · 📊 on Finance : 60.2% · +6.0% (133 calls)
in progress (365j)
matures : Jan 29, 27
JP Morgan ↗
Jan 28, 26
■ Neutral neutral · not a buy · 🎯$84
Price at call : $73.37 — gap to target +14%
Today : $73.59 — gap to target +14%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Jan 28, 27
RBC Capital ↗
Jan 28, 26
■ Sector Perform neutral · not a buy · 🎯$85
Price at call : $73.37 — gap to target +16%
Today : $73.59 — gap to target +16%
🎯 on SYF : no call matured yet · 📊 on Finance : 44.5% · -1.3% (479 calls)
in progress (365j)
matures : Jan 28, 27
Barclays ↗
Jan 28, 26
▲ Overweight · 🎯$93
Price at call : $73.37 — upside +27%
Today : $73.59 — upside +26%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Jan 28, 27
BTIG ↗
Jan 28, 26
▲ Buy · 🎯$96
Price at call : $73.42 — upside +31%
Today : $73.59 — upside +30%
🎯 on SYF : no call matured yet · 📊 on Finance : 30% · -15.9% (20 calls)
in progress (365j)
matures : Jan 28, 27
JP Morgan ↗
Jan 12, 26
■ Neutral neutral · not a buy · 🎯$86
Price at call : $78.06 — gap to target +10%
Today : $73.59 — gap to target +17%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Jan 12, 27
TD Cowen ↗
Jan 8, 26
▲ Buy · 🎯$100
Price at call : $86.89 — upside +15%
Today : $73.59 — upside +36%
🎯 on SYF : no call matured yet · 📊 on Finance : 39% · -6.5% (59 calls)
in progress (365j)
matures : Jan 8, 27
Barclays ↗
Jan 6, 26
▲ Overweight · 🎯$101
Price at call : $87.43 — upside +16%
Today : $73.59 — upside +37%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Jan 6, 27
Wells Fargo ↗
Jan 5, 26
▲ Overweight · 🎯$100
Price at call : $88.47 — upside +13%
Today : $73.59 — upside +36%
🎯 on SYF : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Jan 5, 27
▲ Outperform · 🎯$98
Price at call : $86.74 — upside +13%
Today : $73.59 — upside +33%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Jan 2, 27
■ Hold neutral · not a buy · 🎯$92
Price at call : $85.57 — gap to target +8%
Today : $73.59 — gap to target +25%
🎯 on SYF : no call matured yet · 📊 on Finance : 60.2% · +6.0% (133 calls)
in progress (365j)
matures : Dec 22, 26
Wells Fargo ↗
Dec 17, 25
▲ Overweight · 🎯$95
Price at call : $83.68 — upside +14%
Today : $73.59 — upside +29%
🎯 on SYF : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Dec 17, 26
Baird ↗
Dec 5, 25
■ Neutral neutral · not a buy · 🎯$82
Price at call : $80.36 — gap to target +2%
Today : $73.59 — gap to target +11%
🎯 on SYF : no call matured yet · 📊 on Finance : 52.7% · +0.7% (165 calls)
in progress (365j)
matures : Dec 5, 26
■ Hold neutral · not a buy · 🎯$78
Price at call : $72.26 — gap to target +8%
Today : $73.59 — gap to target +6%
🎯 on SYF : no call matured yet · 📊 on Finance : 60.2% · +6.0% (133 calls)
in progress (365j)
matures : Oct 17, 26
Wells Fargo ↗
Oct 16, 25
▲ Overweight · 🎯$85
Price at call : $71.51 — upside +19%
Today : $73.59 — upside +16%
🎯 on SYF : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Oct 16, 26
Barclays ↗
Oct 16, 25
▲ Overweight · 🎯$86
Price at call : $70.25 — upside +22%
Today : $73.59 — upside +17%
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Oct 16, 26
BTIG ↗
Oct 16, 25
▲ Buy · 🎯$100
Price at call : $70.25 — upside +42%
Today : $73.59 — upside +36%
🎯 on SYF : no call matured yet · 📊 on Finance : 30% · -15.9% (20 calls)
in progress (365j)
matures : Oct 16, 26
HSBC ↗
Oct 10, 25
▲ Buy · 🎯$81
Price at call : $68.02 — upside +19%
Today : $73.59 — upside +10%
Expected +19% · Actual +8% · Reason (≥ +15%) : ✗ No
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 42.3% · -2.5% (26 calls)
+8.2%
stock +8% · XLF +6%
matured Oct 10, 26
UBS ↗
Oct 7, 25
■ Neutral neutral · not a buy · 🎯$79
Price at call : $70.97 — gap to target +11%
Today : $73.59 — gap to target +7%
🎯 on SYF : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Oct 7, 26
JP Morgan ↗
Oct 7, 25
■ Neutral neutral · not a buy · 🎯$75
Price at call : $70.9 — gap to target +6%
Today : $73.59 — gap to target +2%
🎯 on SYF : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Oct 7, 26
Barclays ↗
Oct 6, 25
▲ Overweight · 🎯$83
Price at call : $70.9 — upside +17%
Today : $73.59 — upside +13%
Expected +17% · Actual +1% · Reason (≥ +15%) : ✗ No
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
+1.5%
stock +1% · XLF -0%
matured Oct 6, 26
▲ Outperform · 🎯$86
Price at call : $70.28 — upside +22%
Today : $73.59 — upside +17%
Expected +22% · Actual +2% · Reason (≥ +15%) : ✗ No
🎯 on SYF : 100% (1 call matured) · 📊 on Finance : 49.5% · +1.2% (497 calls)
+2.1%
stock +2% · XLF +0%
matured Oct 1, 26
Compass Point ↗
Jan 28, 25
■ Neutral neutral · not a buy · 🎯$70
Price at call : $68.77 — gap to target +2%
Today : $73.59 — gap to target -5%
🎯 on SYF : 100% (3 calls matureds) · 📊 on Finance : 55.7% · +3.9% (70 calls)
in progress (365j)
matures : Jan 28, 26
Compass Point ↗
Dec 10, 24
▲ Buy · 🎯$77
Price at call : $68.53 — upside +12%
Today : $73.59 — upside +5%
Expected +12% · Actual +25% · Reason (≥ +15%) : ✓ Yes
🎯 on SYF : 100% (3 calls matureds) · 📊 on Finance : 55.7% · +3.9% (70 calls)
+25.0%
stock +25% · XLF +10%
matured Dec 10, 25
Compass Point ↗
Oct 16, 24
▲ Buy · 🎯$60
Price at call : $56.7 — upside +6%
Today : $73.59 — upside -18%
Expected +6% · Actual +26% · Reason (≥ +15%) : ✓ Yes
🎯 on SYF : 100% (3 calls matureds) · 📊 on Finance : 55.7% · +3.9% (70 calls)
+26.1%
stock +26% · XLF +10%
matured Oct 16, 25
Compass Point ↗
Jul 16, 24
▲ Buy · 🎯$56
Price at call : $51.71 — upside +8%
Today : $73.59 — upside -24%
Expected +8% · Actual +34% · Reason (≥ +15%) : ✓ Yes
🎯 on SYF : 100% (3 calls matureds) · 📊 on Finance : 55.7% · +3.9% (70 calls)
+34.0%
stock +34% · XLF +20%
matured Jul 16, 25

Frequently asked questions

Should I buy Synchrony Financial stock?

This isn't buy advice. For Synchrony Financial, the analyst consensus is "Hold", with an average price target of $82.50 (+12% vs the current price). What matters is their past reliability on this stock: the most reliable one is right 100% of the time (3 calls tracked on Synchrony Financial). We show the numbers — you decide.

Is it too late to buy Synchrony Financial? How high can it go?

The most bullish analyst target on Synchrony Financial is $97.00 (+32% above today's price); the average is $82.50. That's the upside they see. Check how reliable those analysts have actually been on Synchrony Financial on our site before trusting it.

Is Synchrony Financial still a good buy?

The most useful "opinion" isn't an opinion — it's a track record: 22 analysts have a real record on Synchrony Financial, the best hitting 100% over 3 calls. Current consensus: "Hold". Make your call on data, not noise.

Should you invest in Synchrony Financial? The case for and against

The arguments for and against, one by one, from the numbers: why invest in SYF (and why hesitate).

What has Synchrony Financial's past performance been?

Historical returns and a "how much if I had invested" calculator: SYF performance & returns.

Does Synchrony Financial pay a dividend?

Yield, consistency and growth history of the dividend: SYF's dividend.

Other Finance stocks

Go further

JPI AI Analyst AI assistant · JPI Invest
Answers based on the tool’s data · not financial advice · full version (free)