Should I buy Synchrony Financial (SYF) stock or is it too late?

Synchrony Financial · Financials · price $80

See the full Synchrony Financial (SYF) profile

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: HSBC — 76% of its targets hit on this sector (25 calls tested). It aims for $97 (+21 %), call made on July 14, 2026, maturing on July 14, 2027 (45 d ago).

The 9 reliable analysts $88+10 %

The 4 other firms $87.50+9.5 %

How to read it: the 9 reliable firms are not filtered by optimism — 8 aim above the price, 1 below, hence their $88 median. “The 4 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on Synchrony Financial

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
JMP Securities	70 %	+32.7 %	23	$88 +10%
Evercore ISI Group	67 %	+23.1 %	6	$86 +8%
JP Morgan	100 %	+21.8 %	6	$78 -2%
Keefe, Bruyette & Woods	80 %	+21.3 %	5	$98 +23%
Wells Fargo	55 %	+16.3 %	11	$88 +10%
Barclays	40 %	-1.7 %	10	$93 +16%
Morgan Stanley	20 %	-25.9 %	20	$82 +3%
Piper Sandler	80 %	+38.0 %	5	—

In short — Should you invest in Synchrony Financial? Is it too late, still worth it? Analysts are split (54% buy, median target $88, i.e. +9%), and the most reliable on SYF targets even higher. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

Median price target $88, i.e. +9% from the current price ($80).
The most reliable firm on SYF, TD Cowen (100% hit rate, 3 scored calls), targets $90 (call made on July 7, 2026, maturing on July 7, 2027) (+13%) in its most recent call, and $100 (call made on January 8, 2026, maturing on January 8, 2027) (+25%) in the one coming due soonest.
6 analysts rated reliable (≥55% hit rate, beat their sector) are bullish on the stock.
Pays a dividend (1.6% yield) — regular income on top of potential upside.
Reasonable valuation (P/E ~8) relative to its sector.

⚠️ Reasons to hesitate

The consensus is not unanimous: of 13 ratings, 6 are neutral.
A 12-month target is not a guaranteed path: the price can fall in the meantime.

The analyst consensus on SYF

Median target $88 (+9%) · 13 ratings · Buy consensus

Strong Buy00%

Buy754%

Hold646%

Sell00%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in Synchrony Financial now?

We won't decide for you. The facts: 54% of analysts rate it a buy, median target $88 (+9%), and TD Cowen (most reliable on SYF, 100%) targets $90. Weigh that against valuation (P/E ~8). This is not personalized advice.

Is it too late to invest in Synchrony Financial?

Not according to analysts: the median target ($88) is still +9% above the current price ($80) (most reliable on SYF: TD Cowen, 100%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is Synchrony Financial still worth investing in?

It depends on the gap between the price ($80) and its estimated value: analysts target $88 on median (+9%), with 54% buys (most reliable on SYF: TD Cowen, 100%). Cross-check with their real reliability on SYF and the cautions above. Information, not advice.

What's the main risk in buying SYF?

The consensus is not unanimous: of 13 ratings, 6 are neutral.

→ Go deeper: the full Synchrony Financial profile (consensus, analyst reliability, price target, performance).