Should I buy Synchrony Financial (SYF) stock or is it too late?
⭐ 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).
Firm-by-firm track record on Synchrony Financial
| Firm | % right | Gain vs sector | Calls | Aims for |
|---|---|---|---|---|
| JP Morgan | 100 % | +21.8 % | 6 | $74 +1% |
| Evercore ISI Group | 71 % | +20.2 % | 7 | $80 +9% |
| BMO Capital | 64 % | +20.0 % | 14 | $81 +10% |
| Keefe, Bruyette & Woods | 83 % | +18.1 % | 6 | $98 +33% |
| Wells Fargo | 55 % | +16.3 % | 11 | $88 +20% |
| Barclays | 45 % | -1.4 % | 11 | $93 +26% |
| Morgan Stanley | 20 % | -25.9 % | 20 | $83 +13% |
| Piper Sandler | 80 % | +38.0 % | 5 | — |
✅ Reasons to believe
- Median price target $83, i.e. +12% from the current price ($74).
- The most reliable firm on SYF, TD Cowen (100% hit rate, 3 scored calls), targets $86 (call made on October 6, 2026, maturing on October 6, 2027) (+17%) in its most recent call, and $100 (call made on January 8, 2026, maturing on January 8, 2027) (+36%) in the one coming due soonest.
- 5 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 15 ratings, 8 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 $83 (+12%) · 15 ratings · Hold consensus
⚠️ 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: 47% of analysts rate it a buy, median target $83 (+12%), and TD Cowen (most reliable on SYF, 100%) targets $86. 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 ($83) is still +12% above the current price ($74) (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 ($74) and its estimated value: analysts target $83 on median (+12%), with 47% 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 15 ratings, 8 are neutral.
→ Go deeper: the full Synchrony Financial profile (consensus, analyst reliability, price target, performance).