SYF

Synchrony Financial

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Advanced Chart

69.600

+0.17(0.245%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

69.890

Open

69.510

VWAP

69.56

Vol

3.77M

Mkt Cap

25.90B

Low

68.955

Amount

261.90M

EV/EBITDA(TTM)

3.87

Total Shares

372.06M

23.67B

EV/OCF(TTM)

2.63

P/S(TTM)

1.35

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

3.79B

-0.66%

2.171

+11.9%

3.89B

+2.38%

2.078

+8.82%

3.81B

+2.57%

2.228

+17.9%

Estimates Revision

The market is revising Downward the revenue expectations for Synchrony Financial (SYF) for FY2025, with the revenue forecasts being adjusted by -0.56% over the past three months. During the same period, the stock price has changed by 15.31%.

Revenue Estimates for FY2025

Revise Downward

-0.56%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+2.27%

In Past 3 Month

Stock Price

Go Up

+15.31%

In Past 3 Month

18 Analyst Rating

13.66% Upside

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 79.11 USD with a low forecast of 57.00 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.

13 Buy

5 Hold

0 Sell

Moderate Buy

13.66% Upside

Current: 69.600

Low

57.00

Averages

79.11

High

100.00

13.66% Upside

Current: 69.600

Low

57.00

Averages

79.11

High

100.00

Rothschild & Co Redburn

Neutral

initiated

$72

2025-08-01

Reason

Rothschild & Co Redburn

Price Target

$72

2025-08-01

initiated

Neutral

Reason

Rothschild & Co Redburn initiated coverage of Synchrony with a Neutral rating and $72 price target.

Truist

Hold

maintain

$68 -> $76

2025-07-24

Reason

Truist

Price Target

$68 -> $76

2025-07-24

maintain

Hold

Reason

Truist raised the firm's price target on Synchrony to $76 from $68 and keeps a Hold rating on the shares. The firm updated its model following the Q2 earnings release.

Barclays

Terry Ma

Overweight

maintain

$81 -> $80

2025-07-23

Reason

Barclays

Terry Ma

Price Target

$81 -> $80

2025-07-23

maintain

Overweight

Reason

Barclays analyst Terry Ma lowered the firm's price target on Synchrony to $80 from $81 and keeps an Overweight rating on the shares following the Q2 report. With the Amazon partnership renewed and adding buy now pay later, and Walmart launching later this year, there is upside to Synchrony's loan growth in fiscal 2026 and 2027, the analyst tells investors in a research note. The firm sees the company's positive credit trends continuing.

Morgan Stanley

Equal Weight

maintain

$70 -> $74

2025-07-23

Reason

Morgan Stanley

Price Target

$70 -> $74

2025-07-23

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on Synchrony to $74 from $70 and keeps an Equal Weight rating on the shares. The company reported a "low quality" earnings beat in Q2 as its loan growth remains "sluggish," the analyst tells investors in a research note. The firm, however, it optimistic on Synchrony's tone regarding loan growth in 2026.

RBC Capital

Sector Perform

maintain

$75 -> $78

2025-07-23

Reason

RBC Capital

Price Target

$75 -> $78

2025-07-23

maintain

Sector Perform

Reason

RBC Capital raised the firm's price target on Synchrony to $78 from $75 and keeps a Sector Perform rating on the shares. Fundamentals were stable in Q2, and while consumer trends are healthy, prior credit actions are driving more modest loan portfolio growth and mix shift, the analyst tells investors in a research note.

Morgan Stanley

Equal Weight

maintain

$70 -> $72

2025-07-23

Reason

Morgan Stanley

Price Target

$70 -> $72

2025-07-23

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on Synchrony to $72 from $70 and keeps an Equal Weight rating on the shares. The company reported a "low quality" earnings beat in Q2 as its loan growth remains "sluggish," the analyst tells investors in a research note. The firm, however, it optimistic on Synchrony's tone regarding loan growth in 2026.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 7.97, compared to its 5-year average forward P/E of 7.07. For a more detailed relative valuation and DCF analysis to assess Synchrony Financial 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

7.07

Current PE

7.97

Overvalued PE

8.26

Undervalued PE

5.89

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

1.53

Current PS

1.69

Overvalued PS

2.04

Undervalued PS

1.02