{
 "@context": "https://clearank.com/llms.txt",
 "@type": "clearank:AssetAnalysis",
 "url": "https://clearank.com/stock/synchrony-financial-syf/",
 "dataUrl": "https://clearank.com/stock/synchrony-financial-syf/data.json",
 "title": "Synchrony (SYF) Stock Forecast & Price Target (2026)",
 "description": "Synchrony Financial (SYF) stock: Financial Services, Credit Services. $23.7B market cap. AI rating, technicals, 2030 forecast and trade plans.",
 "headline": "Synchrony Financial (SYF)",
 "published": "2026-07-11T09:24:16+00:00",
 "modified": "2026-09-26T17:10:54.883+00:00",
 "generated": "2026-09-27T15:07:34.758Z",
 "language": "en-US",
 "publisher": {
  "name": "CleaRank",
  "url": "https://clearank.com/"
 },
 "disclaimer": "Educational and informational only; not financial advice. AI-generated analysis reviewed by the CleaRank editorial team; prices delayed up to 15 minutes.",
 "asset": {
  "ticker": "SYF",
  "name": "Synchrony Financial",
  "type": "Common Stock",
  "exchange": "NYSE",
  "currency": "USD",
  "sector": "Financial Services",
  "industry": "Credit Services",
  "country": "United States",
  "website": "https://www.synchrony.com"
 },
 "quote": {
  "price": 72.94,
  "previousClose": 71.55,
  "change": 1.39,
  "changePercent": 1.94,
  "open": 71.7,
  "high": 73.535,
  "low": 70.89,
  "volume": 2467500,
  "averageVolume": 3129780,
  "marketCap": 23732549069,
  "fiftyTwoWeekHigh": 88.77,
  "fiftyTwoWeekLow": 63.080002,
  "marketOpen": false,
  "asOf": "2026-09-26T17:10:54.000Z"
 },
 "statistics": {
  "pe": 7.4810257,
  "eps": 9.75,
  "dividendYield": 0.018640351111098564,
  "beta": 1.308,
  "priceToSales": 2.3952918,
  "priceToBook": 1.5614498,
  "revenueTtm": 9907999744,
  "grossMargin": null,
  "returnOnEquity": 0.20786
 },
 "technicals": {
  "rsi": 25.49,
  "macd": -1.5,
  "sma50": 76.83,
  "sma200": 74.97,
  "rsiSignal": "Oversold",
  "trend": "Bullish",
  "pricePosition": "Bearish",
  "macdSignal": "Bearish",
  "rating": "Bearish"
 },
 "analysis": {
  "rating": "Hold",
  "score": 55,
  "consensus": "Hold",
  "fairValue": 89,
  "analystTarget": 89,
  "analystCount": 24,
  "wallStreetConsensus": "Buy",
  "generatedAt": "2026-09-26T17:10:54.000Z",
  "priceAtAnalysis": 72.94,
  "volatility": {
   "daily": 1.68,
   "risk": "standard"
  }
 },
 "tradePlan": {
  "bias": "Neutral",
  "conservativeEntry": 72.21,
  "aggressiveEntry": 72.94,
  "stopLoss": 67.76,
  "stopLossPercent": 6.16,
  "targets": [
   74.38,
   75.82,
   77.99
  ]
 },
 "projections": {
  "basis": "Monte Carlo simulation on historical return distribution, re-run daily; not price targets",
  "years": [
   {
    "year": 2027,
    "downside10th": 47.57,
    "base": 79.34,
    "upside90th": 132.32
   },
   {
    "year": 2028,
    "downside10th": 41.87,
    "base": 86.3,
    "upside90th": 177.89
   },
   {
    "year": 2029,
    "downside10th": 38.71,
    "base": 93.87,
    "upside90th": 227.66
   },
   {
    "year": 2030,
    "downside10th": 36.71,
    "base": 102.11,
    "upside90th": 284
   },
   {
    "year": 2031,
    "downside10th": 35.39,
    "base": 111.06,
    "upside90th": 348.56
   },
   {
    "year": 2032,
    "downside10th": 34.51,
    "base": 120.81,
    "upside90th": 422.88
   },
   {
    "year": 2033,
    "downside10th": 33.96,
    "base": 131.41,
    "upside90th": 508.55
   },
   {
    "year": 2034,
    "downside10th": 33.64,
    "base": 142.94,
    "upside90th": 607.34
   },
   {
    "year": 2035,
    "downside10th": 33.52,
    "base": 155.48,
    "upside90th": 721.22
   },
   {
    "year": 2036,
    "downside10th": 33.55,
    "base": 169.12,
    "upside90th": 852.39
   }
  ]
 },
 "faqCount": 7,
 "sources": [
  "TwelveData",
  "Wall Street consensus"
 ],
 "sections": [
  {
   "id": "price",
   "title": "SYF Price Analysis"
  },
  {
   "id": "market-metrics",
   "title": "Market Metrics",
   "facts": {
    "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"
   }
  },
  {
   "id": "peer-benchmarking",
   "title": "Peer Benchmarking",
   "text": [
    "Sector Position Analysis Trading at a notable discount to sector peers (-55%), which may indicate undervaluation or specific company headwinds."
   ]
  },
  {
   "id": "financials",
   "title": "SYF Financial Performance",
   "text": [
    "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."
   ]
  },
  {
   "id": "analysis",
   "title": "SYF Analysis",
   "text": [
    "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.",
    "Insiders have sold over $53.6 million worth of Synchrony Financial (SYF) stock, indicating a lack of confidence and potentially signaling further downside risk.",
    "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.",
    "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.",
    "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.",
    "Synchrony Financial exceeded EPS estimates for the quarter ending June 2026 by 21.6%, indicating operational resilience and potential for earnings improvement.",
    "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."
   ],
   "lists": {
    "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."
    ]
   },
   "catalysts": [
    {
     "type": "Bearish",
     "title": "Heavy Insider Selling Pressure",
     "text": "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 Transactions"
    },
    {
     "type": "Bearish",
     "title": "Bearish Technical Trend",
     "text": "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 Analysis"
    },
    {
     "type": "Bullish",
     "title": "Strong Profitability and Valuation",
     "text": "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 Analysis"
    },
    {
     "type": "Bullish",
     "title": "Wall Street Price Target Upside",
     "text": "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 Consensus"
    },
    {
     "type": "Bullish",
     "title": "Recent Earnings Beat",
     "text": "Synchrony Financial exceeded EPS estimates for the quarter ending June 2026 by 21.6%, indicating operational resilience and potential for earnings improvement.",
     "source": "Earnings Report"
    }
   ]
  },
  {
   "id": "key-statistics",
   "title": "Key Statistics",
   "text": [
    "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.",
    "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.",
    "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."
   ],
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "Market Cap",
       "cells": [
        "23.73B"
       ]
      },
      {
       "label": "P/E Ratio",
       "cells": [
        "7.48"
       ]
      },
      {
       "label": "EPS (TTM)",
       "cells": [
        "9.75"
       ]
      },
      {
       "label": "Dividend Yield",
       "cells": [
        "1.70%"
       ]
      },
      {
       "label": "52 Week High",
       "cells": [
        "88.77"
       ]
      },
      {
       "label": "52 Week Low",
       "cells": [
        "63.08"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "technical-indicators",
   "title": "Technical Indicators",
   "text": [
    "Technical Rating Bearish 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."
   ],
   "facts": {
    "RSI": "Oversold",
    "SMA Cross": "Bullish",
    "Price vs SMA": "Bearish",
    "MACD": "Bearish"
   },
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "RSI (14)",
       "cells": [
        "25.49"
       ]
      },
      {
       "label": "MACD",
       "cells": [
        "-1.50"
       ]
      },
      {
       "label": "SMA 50",
       "cells": [
        "76.83"
       ]
      },
      {
       "label": "SMA 200",
       "cells": [
        "74.97"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "correlations",
   "title": "Market Correlations",
   "text": [
    "How this stock moves relative to other assets",
    "Based on 1 year of daily price data. Correlations may vary over different time periods."
   ],
   "facts": {
    "Correlation with S&P 500 (SPY)": "+0.66",
    "Correlation with Nasdaq 100 (QQQ)": "+0.55",
    "Correlation with Bitcoin (BTC)": "+0.09",
    "Correlation with Gold (XAU)": "+0.02"
   }
  },
  {
   "id": "trade-plans",
   "title": "SYF Trade Plans",
   "text": [
    "Specific entry, exit, and risk management levels",
    "Enter now if confident",
    "Volatility-Adjusted Stop Loss Calculated based on RSI (25.5) and current market volatility",
    "Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3"
   ],
   "facts": {
    "TARGET 1": "$74.38",
    "TARGET 2": "$75.82",
    "TARGET 3": "$77.99",
    "STOP LOSS": "$67.76"
   }
  },
  {
   "id": "seasonality",
   "title": "Seasonal Patterns",
   "text": [
    "Historical monthly performance trends",
    "Based on 3 years of historical monthly returns"
   ],
   "facts": {
    "Average Jan return": "+0.85%",
    "Average Feb return": "-0.48%",
    "Average Mar return": "-9.62%",
    "Average Apr return": "+5.13%",
    "Average May return": "+2.84%",
    "Average Jun return": "+2.81%",
    "Average Jul return": "+1.14%",
    "Average Aug return": "+2.55%",
    "Average Sep return": "-1.13%",
    "Average Oct return": "+2.31%",
    "Average Nov return": "+8.23%",
    "Average Dec return": "+2.31%"
   }
  },
  {
   "id": "risk",
   "title": "Risk & Volatility",
   "facts": {
    "Daily Volatility": "1.68%"
   },
   "lists": {
    "Risk considerations": [
     "Monitor position sizing based on current volatility levels",
     "Consider stop-loss placement beyond recent price range",
     "Diversification helps mitigate single-stock risk exposure"
    ]
   }
  },
  {
   "id": "growth",
   "title": "Growth of $10,000",
   "text": [
    "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."
   ]
  },
  {
   "id": "monte-carlo",
   "title": "Monte Carlo Projection (10yr)",
   "text": [
    "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."
   ]
  },
  {
   "id": "price-prediction",
   "title": "SYF Stock Price Prediction: 2030",
   "text": [
    "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.",
    "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."
   ],
   "tables": [
    {
     "caption": "SYF simulated price paths by year",
     "columns": [
      "Year",
      "Downside (10th pct)",
      "Base case",
      "Upside (90th pct)"
     ],
     "rows": [
      {
       "label": "2027",
       "cells": [
        "$47.57",
        "$79.34",
        "$132"
       ]
      },
      {
       "label": "2028",
       "cells": [
        "$41.87",
        "$86.30",
        "$178"
       ]
      },
      {
       "label": "2029",
       "cells": [
        "$38.71",
        "$93.87",
        "$228"
       ]
      },
      {
       "label": "2030",
       "cells": [
        "$36.71",
        "$102",
        "$284"
       ]
      },
      {
       "label": "2031",
       "cells": [
        "$35.39",
        "$111",
        "$349"
       ]
      },
      {
       "label": "2032",
       "cells": [
        "$34.51",
        "$121",
        "$423"
       ]
      },
      {
       "label": "2033",
       "cells": [
        "$33.96",
        "$131",
        "$509"
       ]
      },
      {
       "label": "2034",
       "cells": [
        "$33.64",
        "$143",
        "$607"
       ]
      },
      {
       "label": "2035",
       "cells": [
        "$33.52",
        "$155",
        "$721"
       ]
      },
      {
       "label": "2036",
       "cells": [
        "$33.55",
        "$169",
        "$852"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "people-also-watch",
   "title": "People Also Watch",
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   ]
  },
  {
   "id": "related-comparisons",
   "title": "Popular Comparisons",
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  },
  {
   "id": "insider-trading",
   "title": "SYF Insider Trading Analysis",
   "facts": {
    "Bought": "$887.00",
    "Sold": "$53.6M",
    "Insiders": "21",
    "Avg Transaction": "$1.5M"
   },
   "tables": [
    {
     "caption": "Recent insider transactions in SYF",
     "columns": [
      "Date",
      "Insider",
      "Type",
      "Shares",
      "Value"
     ],
     "rows": [
      {
       "label": "Mar 2, 2026",
       "cells": [
        "DOUBLES BRIAN D Chief Executive Officer",
        "Sell",
        "217.6K",
        "$14.9M"
       ]
      },
      {
       "label": "Feb 28, 2025",
       "cells": [
        "DOUBLES BRIAN D Chief Executive Officer",
        "Sell",
        "148.7K",
        "$8.9M"
       ]
      },
      {
       "label": "Sep 1, 2021",
       "cells": [
        "KEANE MARGARET M Officer and Director",
        "Sell",
        "145.7K",
        "$7.2M"
       ]
      },
      {
       "label": "Mar 1, 2021",
       "cells": [
        "KEANE MARGARET M Chief Executive Officer",
        "Sell",
        "151.4K",
        "$6.0M"
       ]
      },
      {
       "label": "Mar 1, 2021",
       "cells": [
        "QUINDLEN THOMAS M Officer",
        "Sell",
        "144.3K",
        "$5.7M"
       ]
      },
      {
       "label": "Mar 5, 2024",
       "cells": [
        "DOUBLES BRIAN D Chief Executive Officer",
        "Sell",
        "134.7K",
        "$5.6M"
       ]
      },
      {
       "label": "Mar 3, 2025",
       "cells": [
        "JUEL CAROL D Officer",
        "Sell",
        "91.4K",
        "$5.4M"
       ]
      },
      {
       "label": "Mar 3, 2026",
       "cells": [
        "WENZEL BRIAN J SR. Chief Financial Officer",
        "Sell",
        "66.7K",
        "$4.5M"
       ]
      },
      {
       "label": "Mar 3, 2025",
       "cells": [
        "SCHALLER BARTON W Officer",
        "Sell",
        "75.1K",
        "$4.4M"
       ]
      },
      {
       "label": "Feb 2, 2026",
       "cells": [
        "HOWSE CURTIS Officer",
        "Sell",
        "52.6K",
        "$3.8M"
       ]
      }
     ]
    }
   ],
   "links": [
    {
     "text": "SEC Form 4",
     "url": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&company=Synchrony+Financial&type=4&dateb=&owner=include&count=40&search_text=&action=getcompany"
    }
   ]
  },
  {
   "id": "faq",
   "title": "Frequently Asked Questions"
  }
 ],
 "faq": [
  {
   "question": "What is Synchrony Financial's stock forecast for 2030?",
   "answer": "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."
  },
  {
   "question": "Is Synchrony Financial stock a buy right now?",
   "answer": "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."
  },
  {
   "question": "What are Synchrony Financial's recent earnings results?",
   "answer": "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."
  },
  {
   "question": "How does Synchrony Financial compare to its sector averages?",
   "answer": "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%)."
  },
  {
   "question": "What is the technical outlook for SYF stock?",
   "answer": "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."
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   "answer": "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."
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   "answer": "Synchrony Financial (SYF) offers a dividend yield of approximately 1.70%, with an annual dividend rate of $1.24."
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      "text": "SYF is currently in a bearish trend, trading below its 50-day and 200-day moving averages. The RSI is oversold at 25.49, suggesting a potential for a short-term bounce, but the overall technical setup indicates weakness."
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    },
    {
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      "text": "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."
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     "name": "What is Synchrony Financial's dividend yield?",
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      "text": "Synchrony Financial (SYF) offers a dividend yield of approximately 1.70%, with an annual dividend rate of $1.24."
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}