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  3. SYF
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SYF

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0.000(0.000%)
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EV/EBITDA(TTM)
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q2
FY2025Q3
FY2025Q4
3.71B
+0.03%
1.625
+4.84%
3.85B
+0.92%
2.158
+11.26%
3.95B
+3.79%
2.029
+6.23%
Estimates Revision
The market is revising Downward the revenue expectations for Synchrony Financial (SYF) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by -3.87%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.89%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-0.99%
In Past 3 Month
Stock Price
Go Down
down Image
-3.87%
In Past 3 Month
15 Analyst Rating
up Image0
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 64.69 USD with a low forecast of 48.00 USD and a high forecast of 82.00  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.
10 Buy
5 Hold
0 Sell
Moderate Buy
up Image0
Current: 61.600
sliders
Low
48.00
Averages
64.69
High
82.00
up Image0
Current: 61.600
sliders
Low
48.00
Averages
64.69
High
82.00
Truist Securities
Brian Foran
Hold
Maintains
$65 → $57
2025-04-25
Reason
Truist Securities
Brian Foran
Price Target
$65 → $57
2025-04-25
Maintains
Hold
Reason
Truist lowered the firm's price target on Synchrony to $57 from $65 and keeps a Hold rating on the shares as part of a broader research note on Consumer Finance names. The firm is updating its models after Q1 results, noting that its reduced price target reflects ongoing question marks around spend, loan and active accounts growth recovery, all balanced out by a positive credit trend and bottoming out of net interest margins, the analyst tells investors in a research note.
Evercore ISI Group
John Pancari
Buy
Maintains
$64 → $56
2025-04-23
Reason
Evercore ISI Group
John Pancari
Price Target
$64 → $56
2025-04-23
Maintains
Buy
Reason
Wells Fargo
Donald Fandetti
Buy
Maintains
$70 → $65
2025-04-23
Reason
Wells Fargo
Donald Fandetti
Price Target
$70 → $65
2025-04-23
Maintains
Buy
Reason
Wells Fargo lowered the firm's price target on Synchrony to $65 from $70 and keeps an Overweight rating on the shares. While loan growth ticked down year-over-year in Q1 on credit tightening and continued consumer caution, credit metrics are trending well in the firm's view. Card spend is looking steady into April. There are no plans to reduce PPPC APR mitigants, but options include more value prop/promo, Wells adds.
JP Morgan
Richard Shane
Buy
Maintains
$76 → $50
2025-04-08
Reason
JP Morgan
Richard Shane
Price Target
$76 → $50
2025-04-08
Maintains
Buy
Reason
Morgan Stanley
Jeff Adelson
Buy
to
Hold
Downgrades
$82 → $44
2025-04-07
Reason
Morgan Stanley
Jeff Adelson
Price Target
$82 → $44
2025-04-07
Downgrades
Buy
to
Hold
Reason
Wells Fargo
Donald Fandetti
Buy
Maintains
$85 → $70
2025-04-03
Reason
Wells Fargo
Donald Fandetti
Price Target
$85 → $70
2025-04-03
Maintains
Buy
Reason
See All Ratings

Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 6.75, compared to its 5-year average forward P/E of 7.16. For a more detailed relative valuation and DCF analysis to assess Synchrony Financial 's fair value, click here.
    Forward PE
    Forward EV/EBITDA
    Forward PS

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
7.16
Current PE
6.75
Overvalued PE
8.53
Undervalued PE
5.80

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
1.51
Current PS
1.38
Overvalued PS
2.02
Undervalued PS
0.99

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Net Margin - %
N/A
ROIC

Trading Trends

    Insider
    Hedge Fund
    Congress Trading
Insider
Insiders areSelling! The selling amount has increased 128.32% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds areSelling! The selling amount has increased 111.48% over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areSelling! The selling amount has increased 128.32% over the last month.
Sold
Bought

SYF News & Events

Events Timeline

(ET)
2025-04-23
06:17:05
Credit-Card companies prepare for economic downturn, WSJ says
select
link
2025-04-22 (ET)
2025-04-22
08:27:14
Synchrony backs FY25 revenue view $15.2B-$15.7B, consensus $15.3B
select
2025-04-22
06:11:30
Synchrony reports Q1 EPS $1.89, consensus $1.65
select
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News

Preview
2.0
05-12NASDAQ.COM
SYF Crosses Above Key Moving Average Level

  • SYF Stock Performance: SYF's stock has a 52-week low of $40.545 and a high of $70.93, with the last trade recorded at $60.54.

  • Source of Information: The data regarding SYF's stock performance was sourced from Technical Analysis Channel.com, and the opinions expressed are those of the author, not necessarily reflecting Nasdaq, Inc.

Preview
4.0
05-09NASDAQ.COM
What Are Wall Street Analysts' Target Price for Synchrony Financial Stock?

  • Company Overview and Performance: Synchrony Financial, a consumer financial services company, has outperformed the market with a 21.6% gain over the past year, despite a 14.7% decline in 2025. The company's strong performance is driven by interest on credit card balances and consumer loans, supported by a robust labor market.

  • Analyst Ratings and Future Outlook: Analysts maintain a "Moderate Buy" consensus on SYF stock, with expectations for a 16.7% EPS growth this fiscal year. Price targets suggest potential upside, with the mean target at $62.23 and a high target of $88 indicating significant growth potential.

Preview
7.0
05-07CNBC
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed

  • Banking Industry Response to CFPB Rule: Banks, including Synchrony and Bread Financial, are maintaining high interest rates on retail credit cards despite the Consumer Financial Protection Bureau (CFPB) rule being overturned, as they see no need to revert changes made last year that increased fees and rates.

  • Impact on Consumers: Retail credit cards, which often target individuals with subprime credit scores, continue to impose high-interest rates averaging over 30%, leading to financial strain for consumers who may not fully understand the terms or promotional offers associated with these cards.

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People Also Watch

FAQ

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What is Synchrony Financial (SYF) stock price today?

The current price of SYF is 61.6 USD — it has increased 2.05 % in the last trading day.

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What is Synchrony Financial (SYF)'s business?

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. The Company primarily 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). It primarily manages its credit products through five sales platforms (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.

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What is the price predicton of SYF Stock?

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 64.69 USD with a low forecast of 48.00 USD and a high forecast of 82.00 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.

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What is Synchrony Financial (SYF)'s revenue for the last quarter?

Synchrony Financial revenue for the last quarter amounts to 4.61B USD, increased 1.43 % YoY.

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What is Synchrony Financial (SYF)'s earnings per share (EPS) for the last quarter?

Synchrony Financial. EPS for the last quarter amounts to 1.89 USD, decreased -39.81 % YoY.

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What changes have occurred in the market's expectations for Synchrony Financial (SYF)'s fundamentals?

The market is revising Downward the revenue expectations for Synchrony Financial (SYF) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by -3.87%.
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How many employees does Synchrony Financial (SYF). have?

Synchrony Financial (SYF) has 20000 emplpoyees as of May 14 2025.

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What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 22.98B USD.

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