Should I Buy SYF? SYF 2026 Analysis

Should You Buy Synchrony Financial (SYF) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

73.370

1 Day change

-0.07%

52 Week Range

88.770

Analysis Updated At

2026/01/26

Synchrony Financial (SYF) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The stock shows strong financial performance, positive analyst sentiment, and a favorable long-term growth outlook. While technical indicators are neutral, the stock's fundamentals and analyst confidence outweigh short-term technical concerns.

Technical Analysis

The MACD is negative and contracting (-1.021), RSI is neutral at 33.871, and moving averages are converging, indicating no clear trend. The stock is trading near its key support level of 75.568, with resistance levels at 80.847 and 86.126. Overall, technical indicators suggest a neutral to slightly bearish short-term trend.

Options Data

Neutral

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Strong financial performance in Q3 2025, with revenue up 2.78% YoY, net income up 37.63% YoY, and EPS up 47.42% YoY.
Analysts have consistently raised price targets, with the highest target at $101, reflecting confidence in the stock's future performance.
Favorable macroeconomic trends, including credit stabilization and lower funding costs, support the consumer finance sector.
Upcoming earnings report on January 27, 2026, could act as a positive catalyst if results beat expectations.

Neutral/Negative Catalysts

President Trump's proposal to cap credit card fees at 10% poses a regulatory risk to the financial sector, including Synchrony.
Neutral sentiment from hedge funds and insiders indicates no significant buying interest in the short term.
Technical indicators are neutral to slightly bearish, suggesting limited short-term upside.

Financial Performance

In Q3 2025, Synchrony Financial reported revenue of $5.215 billion (+2.78% YoY), net income of $1.057 billion (+37.63% YoY), and EPS of $2.86 (+47.42% YoY). These figures highlight strong profitability and growth trends, making the stock attractive for long-term investors.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts are overwhelmingly positive on SYF, with multiple firms raising price targets recently. The highest price target is $101, and the lowest is $92, indicating significant upside potential from the current pre-market price of $76.45. Analysts cite credit stabilization, loan growth, and easing credit restrictions as key drivers for the stock's future performance.

15 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 94.6 USD with a low forecast of 83 USD and a high forecast of 101 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

Current: 73.420

Low

Averages

94.6

High

101

Current: 73.420

Low

Averages

94.6

High

101

BTIG

Buy

downgrade

$100 -> $96

AI Analysis

2026-01-28

New

Reason

BTIG

Price Target

$100 -> $96

AI Analysis

2026-01-28

New

downgrade

Buy

Reason

BTIG lowered the firm's price target on Synchrony to $96 from $100 and keeps a Buy rating on the shares. The firm expected Synchrony to be down after an inline to slightly worse 2026 guidance, though it is still surprised that shares are down 6% and believes the move lower is overly draconian, the analyst tells investors in a research note. This year does appear to be one of transition toward growth for Synchrony however and the expenses needed to get there, the firm added.

Compass Point

Dominick Gabriele

Neutral -> Buy

upgrade

$97 -> $96

2026-01-28

New

Reason

Compass Point

Dominick Gabriele

Price Target

$97 -> $96

2026-01-28

New

upgrade

Neutral -> Buy

Reason

Compass Point analyst Dominick Gabriele upgraded Synchrony to Buy from Neutral with a price target of $96, down from $97.

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SYF Should I Buy

SYF Should I Buy

Should You Buy Synchrony Financial (SYF) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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