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  3. SYF
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SYF

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    Overview
    Forecast
    Valuation
    Earnings
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Vol
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Amount
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EV/EBITDA(TTM)
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EV
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
3.85B
+1.17%
2.046
+7.1%
3.81B
+2.59%
2.132
+12.8%
3.80B
+4.28%
2.325
-7.01%
Estimates Revision
The market is revising Upward the revenue expectations for Synchrony Financial (SYF) for FY2025, with the revenue forecasts being adjusted by 0.12% over the past three months. During the same period, the stock price has changed by 4.33%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.12%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-0.05%
In Past 3 Month
Stock Price
Go Up
up Image
+4.33%
In Past 3 Month
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 84.14 USD with a low forecast of 72.00 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.
17 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 84.14 USD with a low forecast of 72.00 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
6 Hold
0 Sell
Moderate Buy
Current: 75.490
sliders
Low
72.00
Averages
84.14
High
100.00
Current: 75.490
sliders
Low
72.00
Averages
84.14
High
100.00
Truist
Hold
downgrade
$82 -> $78
2025-10-17
Reason
Truist
Price Target
$82 -> $78
2025-10-17
downgrade
Hold
Reason
Truist lowered the firm's price target on Synchrony to $78 from $82 and keeps a Hold rating on the shares as part of a broader research note on Regional Banks / Consumer Finance names. The firm is updating its models following their Q3 results and updated guidance, noting the companies' expectations for higher net interest margins and growth in core lending rates, but also citing the sector re-rating down from broader credit concerns, the analyst tells investors in a research note.
Deutsche Bank
Buy
maintain
$91 -> $95
2025-10-16
Reason
Deutsche Bank
Price Target
$91 -> $95
2025-10-16
maintain
Buy
Reason
Deutsche Bank raised the firm's price target on Synchrony to $95 from $91 and keeps a Buy rating on the shares post the Q3 report. The market gained comfort that the company's revenue growth will return with credit remaining benign, the analyst tells investors in a research note.
Barclays
Terry Ma
Overweight
maintain
$83 -> $86
2025-10-16
Reason
Barclays
Terry Ma
Price Target
$83 -> $86
2025-10-16
maintain
Overweight
Reason
Barclays analyst Terry Ma raised the firm's price target on Synchrony to $86 from $83 and keeps an Overweight rating on the shares post the Q3 report. The firm's fiscal 2027 estimates move modestly higher on additional buybacks and slightly better credit. It views Synchrony's unwinding of credit actions plus the launch at Walmart as positives for growth.
Wells Fargo
Overweight
maintain
$80 -> $85
2025-10-16
Reason
Wells Fargo
Price Target
$80 -> $85
2025-10-16
maintain
Overweight
Reason
Wells Fargo raised the firm's price target on Synchrony to $85 from $80 and keeps an Overweight rating on the shares. The firm notes there are no major changes on PPPC reversals in Q4 or 2026, despite lighter Q4 revenue guide. Wells highlights the optimistic tone on the consumer/credit, and says it would use the relative weakness as a buying opportunity given many positives.
TD Cowen
Buy
maintain
$90 -> $91
2025-10-16
Reason
TD Cowen
Price Target
$90 -> $91
2025-10-16
maintain
Buy
Reason
TD Cowen raised the firm's price target on Synchrony to $91 from $90 and keeps a Buy rating on the shares. The firm updated its model after they reported 3Q EPS of $2.86, above our estimate of $2.37 and consensus of $2.23.
Deutsche Bank
Buy
maintain
$91 -> $93
2025-10-16
Reason
Deutsche Bank
Price Target
$91 -> $93
2025-10-16
maintain
Buy
Reason
Deutsche Bank raised the firm's price target on Synchrony to $93 from $91 and keeps a Buy rating on the shares post the Q3 report. The market gained comfort that the company's revenue growth will return with credit remaining benign, the analyst tells investors in a research note.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Synchrony Financial (SYF.N) is 8.15, compared to its 5-year average forward P/E of 7.13. 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
7.13
Current PE
8.15
Overvalued PE
8.30
Undervalued PE
5.96

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
N/A
5Y Average PS
2.08
Current PS
74.42
Overvalued PS
8.27
Undervalued PS
-4.11
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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
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends 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 are Neutral. There are no significant trading trends over the last month.
Sold
Bought
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SYF News & Events

Events Timeline

(ET)
2025-10-15
08:24:48
Synchrony revises FY25 revenue forecast to a range of $15B-$15.1B, down from $15B-$15.3B.
select
2025-10-15
07:12:19
Synchrony Boosts Share Buyback Program by $1 Billion
select
2025-10-15
07:11:23
Synchrony Announces Q3 Earnings Per Share of $2.86, Exceeding Consensus Estimate of $2.21
select
Sign Up For More Events
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News

[object Object]
Preview
1.0
11-05PRnewswire
Synchrony to Participate in the 2025 KBW Fintech Payments Conference

  • Event Participation: Synchrony CFO Brian J. Wenzel will participate in a fireside chat at the KBW Fintech Payments Conference on November 12, 2025, at 10:10 a.m. ET, with a live webcast available on their Investor Relations website.

  • Company Overview: Synchrony is a leading consumer financing company that has been serving American commerce for nearly 100 years, providing access to credit and banking products for millions of people and supporting over 400,000 small and midsize businesses.

  • Recognition: Synchrony has been recognized as the #2 Best Company to Work For® by Fortune magazine and Great Place to Work®, highlighting its commitment to employee satisfaction.

  • Contact Information: For further inquiries, investor relations can be contacted through Kathryn Miller at (203) 585-6291, and media relations through Ashley Tufts at (203) 216-6277.

[object Object]
Preview
6.5
10-27MarketWatch
At 30, I've inherited $50,000 and seek high-return, low-risk investment opportunities. What should I consider?

  • User Background: A 30-year-old newly graduated orthodontist with significant student debt is temporarily living at home to manage finances.

  • Financial Situation: The user has inherited $50,000, which is currently in a CD, and has been using the proceeds to fund a Vanguard Roth IRA.

  • Investment Inquiry: The user is seeking a low-risk investment alternative for the $50,000 that offers a slightly higher return than their current option.

  • Long-term Goal: The user aims to establish their own orthodontic practice in the future.

[object Object]
Preview
8.0
10-24SeekingAlpha
Synchrony Financial announces a dividend of $0.30

  • Dividend Declaration: Synchrony Financial (SYF) announced a quarterly dividend of $0.30 per share, consistent with previous payments, with a forward yield of 1.64%.

  • Payment Details: The dividend is payable on November 17 for shareholders of record as of November 5, with the ex-dividend date also on November 5.

  • Earnings Call Insights: In the Q3 2025 earnings call, Synchrony Financial provided an updated outlook, projecting net revenue between $15 billion and $15.1 billion due to improving credit trends and the launch of a Walmart program.

  • Revenue Guidance Adjustment: The company trimmed its revenue guidance midpoint while reporting a profit beat for Q3.

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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 75.49 USD — it has increased 1.44 % 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. 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.

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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 84.14 USD with a low forecast of 72.00 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.

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

Synchrony Financial revenue for the last quarter amounts to 5.22B USD, increased 2.78 % 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 2.86 USD, increased 47.42 % YoY.

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

The market is revising Upward the revenue expectations for Synchrony Financial (SYF) for FY2025, with the revenue forecasts being adjusted by 0.12% over the past three months. During the same period, the stock price has changed by 4.33%.
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How many employees does Synchrony Financial (SYF). have?

Synchrony Financial (SYF) has 20000 emplpoyees as of November 13 2025.

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What is Synchrony Financial (SYF) market cap?

Today SYF has the market capitalization of 27.19B USD.

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