Partnership Renewal: Synchrony and the American Med Spa Association (AmSpa) have announced the extension of their partnership, providing preferred merchant rates that are expected to save over 4,000 AmSpa members costs when processing patient payments, thereby enhancing financial flexibility for members.
Industry Growth Support: The medical spa industry was valued at over $17 billion in 2024 and is projected to grow by more than $1 billion annually, with Synchrony facilitating necessary financial support through CareCredit to empower small and midsized businesses for growth.
Convenient Payment Solutions: CareCredit enables cardholders to pay for medical expenses over time, streamlining application and payment processes, which enhances the customer experience for AmSpa members and further drives sustainable industry development.
Education and Resource Provision: Synchrony is committed to providing educational resources to patients to help them understand medical costs and available financial solutions, thereby enhancing the service capabilities and market competitiveness of AmSpa members.
SYF
$83.5+Infinity%1D
Analyst Views on SYF
Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is 85.08 USD with a low forecast of 75.00 USD and a high forecast of 100.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
16 Analyst Rating
Wall Street analysts forecast SYF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SYF is 85.08 USD with a low forecast of 75.00 USD and a high forecast of 100.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Buy
5 Hold
0 Sell
Moderate Buy
Current: 83.390
Low
75.00
Averages
85.08
High
100.00
Current: 83.390
Low
75.00
Averages
85.08
High
100.00
Wells Fargo
Donald Fandetti
Overweight
maintain
$85 -> $95
2025-12-17
New
Reason
Wells Fargo
Donald Fandetti
Price Target
$85 -> $95
2025-12-17
New
maintain
Overweight
Reason
Wells Fargo analyst Donald Fandetti raised the firm's price target on Synchrony to $95 from $85 and keeps an Overweight rating on the shares. The firm is constructive on consumer finance stocks, and views the low-end concerns as a head fake for the sector.
Morgan Stanley
Equal Weight
maintain
$82 -> $86
2025-12-16
New
Reason
Morgan Stanley
Price Target
$82 -> $86
2025-12-16
New
maintain
Equal Weight
Reason
Morgan Stanley raised the firm's price target on Synchrony to $86 from $82 and keeps an Equal Weight rating on the shares. With lower delinquencies to drive lower defaults, a reacceleration in loan growth, and increased capital return, fundamentals remain supportive into 2026 for the consumer finance group, the analyst tells investors in a year-ahead note.
Wolfe Research
Outperform
initiated
$92
2025-12-08
Reason
Wolfe Research
Price Target
$92
2025-12-08
initiated
Outperform
Reason
Wolfe Research assumed coverage of Synchrony with an Outperform rating and $92 price target. The firm believes the company's unwinding credit tightening actions and its new partnerships should allow it to return to growth in 2026. A growth inflection next will be a catalyst for the shares, the analyst tells investors in a research note.
Baird
Outperform
to
Neutral
downgrade
$82
2025-12-05
Reason
Baird
Price Target
$82
2025-12-05
downgrade
Outperform
to
Neutral
Reason
Baird downgraded Synchrony to Neutral from Outperform with an unchanged price target of $82. While Synchrony is a high quality bank, its lower end consumer exposure "makes it tough to chase" the shares after the recent rally, the analyst tells investors in a research note. The firm believe Synchrony's potential upside from a "benign" credit environment versus potential downside if U.S. economic trends continue to soften is now more balanced.
About SYF
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
