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As of September 26, 2026, Synchrony Financial (SYF) trades at $72.94. CleaRank Financial AI rates it Hold with a fair value of $89.00, 22.0% above the current price. Wall Street's consensus target is $89.00 across 24 analysts. RSI at 25 is in oversold territory, and the price is below its 50-day average of $76.83.
Synchrony Financial (SYF)
Synchrony Financial NYSE
$72.94
1.390 (1.94%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
55 / 100
Synchrony Financial (SYF) is currently trading at $72.94, below its 50-day and 200-day moving averages ($76.83 and $74.97), signaling a bearish technical trend. The company exhibits strong fundamental characteristics, including a high return on equity of 20.79% and a profit margin of 35.51%, significantly outpacing sector medians. Its price-to-sales ratio of 2.40 is also below the sector average of 3.8. However, the stock is being weighed down by substantial insider selling, with over $53.6 million in sales versus minimal purchases, indicating a lack of insider confidence. Despite these concerns, Wall Street maintains a 'Buy' consensus with a median price target of $89, suggesting a 22% upside potential from current levels.
SYF Price Analysis
Market Metrics
Open
$71.70
Day Range
$70.89 to $73.54
Prev Close
$71.55
Volume
2.47M
52-Week Range
$63.08 to $88.77
Market Cap
$23.73B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-55%), which may indicate undervaluation or specific company headwinds.
SYF Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 4 quarters, SYF beat estimates 4 times. The stock rose 4 times the next day. Price tends to react positively to beats.
SYF Analysis
Company's Health
3/5
12-Month Analyst Target
+22.02% Upside
Median of 24 analysts (12-month)
$89.00
AI Technical Analysis
Synchrony Financial (SYF) is trading below its key moving averages, with its price currently below the 50-day SMA of $76.83 and the 200-day SMA of $74.97, indicating a bearish trend. The Relative Strength Index (RSI) is at 25.49, signaling oversold conditions that could precede a bounce. MACD is also negative, suggesting downward momentum. Volume has been below average recently, with the latest volume at 2.47 million compared to an average of 3.13 million, down 21.2%. The current technical setup suggests potential for a short-term rebound from oversold levels, but the sustained trend below moving averages points to ongoing weakness.
ProTips
- Monitor insider transaction activity closely; the current heavy selling pressure is a significant bearish signal that could precede further price declines.
- The stock is trading in oversold territory (RSI 25.49), which may present a short-term trading opportunity for a bounce, but the underlying trend remains bearish.
- Given the current bearish technicals and insider selling, consider a conservative approach to new positions until a clear bullish reversal pattern emerges.
Key Catalysts
Bearish
Heavy Insider Selling Pressure
Insiders have sold over $53.6 million worth of Synchrony Financial (SYF) stock, indicating a lack of confidence and potentially signaling further downside risk.
Source: Insider TransactionsBearish
Bearish Technical Trend
SYF is trading below its 50-day and 200-day moving averages ($76.83 and $74.97), with negative MACD momentum, suggesting continued weakness in the stock price.
Source: Technical AnalysisBullish
Strong Profitability and Valuation
Synchrony Financial's high return on equity (20.79%) and profit margin (35.51%), coupled with a low P/E ratio (7.48), present an attractive fundamental picture that could support a price recovery.
Source: Fundamental AnalysisBullish
Wall Street Price Target Upside
The median analyst price target for SYF is $89, representing a 22% upside from the current price, suggesting that analysts see value despite current market sentiment.
Source: Wall Street ConsensusBullish
Recent Earnings Beat
Synchrony Financial exceeded EPS estimates for the quarter ending June 2026 by 21.6%, indicating operational resilience and potential for earnings improvement.
Source: Earnings ReportMarket Outlook
Synchrony Financial (SYF) is expected to trade within a range in the near term, influenced by its oversold technical conditions and the overhang of significant insider selling. The median Wall Street price target of $89 suggests a potential upside of 22% from current levels, driven by the company's strong underlying profitability and attractive valuation relative to its peers. A sustained move above the 50-day SMA at $76.83 would be a key technical signal to watch for a potential trend reversal. Factors that could alter this outlook include a significant shift in insider sentiment, a broader market recovery that lifts financial services stocks, or a clear acceleration in revenue growth beyond current modest projections. Conversely, continued insider divestitures, a deterioration in credit quality within its loan portfolio, or increased regulatory scrutiny could pressure the stock lower, potentially testing the lower end of the long-range projection near $36.71.
Key Statistics
| Market Cap | 23.73B |
|---|---|
| P/E Ratio | 7.48 |
| EPS (TTM) | 9.75 |
| Dividend Yield | 1.70% |
| 52 Week High | 88.77 |
| 52 Week Low | 63.08 |
Synchrony Financial (SYF) presents a compelling valuation, trading at a P/E ratio of 7.48, significantly below the sector median of 16.5. Its price-to-sales ratio of 2.40 is also considerably lower than the sector average of 3.8. The company boasts strong profitability metrics, with a return on equity of 20.79% and a net profit margin of 35.51%, both well above industry averages. Despite these attractive fundamentals, the stock's current price action and heavy insider selling raise concerns about near-term performance. The company's balance sheet appears strong with a very low debt-to-equity ratio of 0.01.
Earnings & Growth Analysis
Synchrony Financial (SYF) most recently reported earnings for the quarter ending June 2026, exceeding analyst expectations with an EPS of $2.59 against an estimate of $2.13, a 21.6% surprise. This follows a mixed pattern in prior quarters, including a significant EPS miss in the quarter ending March 2026. Revenue growth for the current quarter was flat year-over-year, with expectations for modest growth in the upcoming quarters. The company's forward earnings estimates for next year project a 12% increase, indicating potential for future earnings expansion.
Key Risks
The primary risk for Synchrony Financial (SYF) stems from significant insider selling, with over $53.6 million in dispositions, suggesting a lack of management confidence. Technically, the stock is in a bearish trend, trading below key moving averages and showing oversold conditions, which could lead to further downside pressure. Additionally, while recent earnings beat expectations, the company has shown a mixed pattern in prior quarters, and revenue growth has been stagnant.
Technical Indicators
| RSI (14) | 25.49 |
|---|---|
| MACD | -1.50 |
| SMA 50 | 76.83 |
| SMA 200 | 74.97 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($76.83) above the 200-day SMA ($74.97), price is trading below the 50-day SMA, RSI at 25.5 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.66
Moderate correlation
Nasdaq 100 (QQQ)
+0.55
Moderate correlation
Bitcoin (BTC)
+0.25
Weak correlation
Gold (XAU)
+0.02
Weak correlation
Check Custom Correlation
How does any other asset move with SYF? One year of daily closes, Pearson correlation.
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SYF Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$72.21
Slight discount to current
Wait for small dip
Aggressive
$72.94
At current price
Enter now if confident
Risk Management
STOP LOSS
$67.76
MAX LOSS
-6.2%
Volatility-Adjusted Stop Loss
Calculated based on RSI (25.5) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$74.38
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$75.82
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$77.99
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for SYF is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in SYF in September 2016 would be worth about $26,718 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in SYF today could grow to about $23,186 by 2036 in the base case, with a bull case near $116,861 and a bear case around $4,600. Projections are statistical simulations, not guarantees.
SYF Stock Price Prediction: 2030
CleaRank's simulation projects a price near $102 for SYF by 2030 in the base case, from $72.94 today (1.4x over 4 years). The downside path ends near $36.71. These are outcomes of a Monte Carlo simulation run on SYF's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $47.57 | $79.34 | $132 |
| 2028 | $41.87 | $86.30 | $178 |
| 2029 | $38.71 | $93.87 | $228 |
| 2030 | $36.71 | $102 | $284 |
| 2031 | $35.39 | $111 | $349 |
| 2032 | $34.51 | $121 | $423 |
| 2033 | $33.96 | $131 | $509 |
| 2034 | $33.64 | $143 | $607 |
| 2035 | $33.52 | $155 | $721 |
| 2036 | $33.55 | $169 | $852 |
Method: 10,000 simulated price paths using SYF's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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SYF Insider Trading Analysis
Bought
$887.00
1 Transactions
Sold
$53.6M
34 Transactions
Insiders
21
Active Traders
Avg Transaction
$1.5M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Mar 2, 2026 | DOUBLES BRIAN D
Chief Executive Officer
|
Sell | 217.6K | $14.9M |
| Feb 28, 2025 | DOUBLES BRIAN D
Chief Executive Officer
|
Sell | 148.7K | $8.9M |
| Sep 1, 2021 | KEANE MARGARET M
Officer and Director
|
Sell | 145.7K | $7.2M |
| Mar 1, 2021 | KEANE MARGARET M
Chief Executive Officer
|
Sell | 151.4K | $6.0M |
| Mar 1, 2021 | QUINDLEN THOMAS M
Officer
|
Sell | 144.3K | $5.7M |
| Mar 5, 2024 | DOUBLES BRIAN D
Chief Executive Officer
|
Sell | 134.7K | $5.6M |
| Mar 3, 2025 | JUEL CAROL D
Officer
|
Sell | 91.4K | $5.4M |
| Mar 3, 2026 | WENZEL BRIAN J SR.
Chief Financial Officer
|
Sell | 66.7K | $4.5M |
| Mar 3, 2025 | SCHALLER BARTON W
Officer
|
Sell | 75.1K | $4.4M |
| Feb 2, 2026 | HOWSE CURTIS
Officer
|
Sell | 52.6K | $3.8M |
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Frequently Asked Questions
What is Synchrony Financial's stock forecast for 2030?
Synchrony Financial's (SYF) stock forecast for 2030, based on Monte Carlo simulations, projects a base case price of $102.11, with a downside scenario at $36.71 and an upside scenario at $284. These figures represent statistical outcomes and are not guaranteed price targets.
Is Synchrony Financial stock a buy right now?
Synchrony Financial (SYF) is currently rated a Hold. While its valuation is attractive and profitability strong, significant insider selling and bearish technicals present headwinds. Wall Street analysts have a median price target of $89, suggesting potential upside.
What are Synchrony Financial's recent earnings results?
For the quarter ending June 2026, Synchrony Financial (SYF) reported an EPS of $2.59, beating the estimate of $2.13 by 21.6%. This followed a mixed performance in prior quarters, but indicates a recent positive earnings surprise.
How does Synchrony Financial compare to its sector averages?
Synchrony Financial (SYF) trades at a lower P/E ratio (7.48 vs 16.5) and price-to-sales ratio (2.40 vs 3.8) compared to the Financial Services sector median. Its return on equity (20.79%) also significantly outperforms the sector average (13.8%).
What is the technical outlook for SYF stock?
SYF is currently in a bearish trend, trading below its 50-day and 200-day moving averages ($76.83 and $74.97). The RSI is oversold at 25.49, suggesting a potential for a short-term bounce, but the overall technical setup indicates weakness.
What are the main risks facing Synchrony Financial?
Key risks for SYF include substantial insider selling totaling over $53.6 million, a bearish technical trend, and a history of mixed earnings results, despite recent positive performance.
What is Synchrony Financial's dividend yield?
Synchrony Financial (SYF) offers a dividend yield of approximately 1.70%, with an annual dividend rate of $1.24.