Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of March 2, 2026, Synchrony Financial (SYF) has a Wall Street consensus price target of $90.08, based on estimates from 41 covering analysts. With the stock currently trading at $69.11, this represents a potential upside of +30.3%. The company has a market capitalization of $24.89B.
Analyst price targets range from a low of $81.00 to a high of $100.00, representing a 21% spread in expectations. The median target of $89.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 26 analysts rating the stock as a Buy or Strong Buy,14 rating it Hold, and 1 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, SYF trades at a trailing P/E of 8.1x and forward P/E of 7.5x. The forward PEG ratio of 0.83 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -1.9% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $106.91, with bear and bull scenarios of $48.20 and $261.41 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
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Start ComparisonThe consensus Wall Street price target for SYF is $90.08, representing 30.3% upside from the current price of $69.11. With 41 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
SYF has a consensus rating of "Buy" based on 41 Wall Street analysts. The rating breakdown is predominantly bullish, with 26 Buy/Strong Buy ratings. The consensus 12-month price target of $90.08 implies 30.3% upside from current levels.
With a forward P/E of 7.4773x, SYF trades at a relatively low valuation. The consensus target of $90.08 implies 30.3% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $100 for SYF, while the most conservative target is $81. The consensus of $90.08 represents the median expectation. Our quantitative valuation model projects a bull case target of $261 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
SYF is heavily covered by Wall Street, with 41 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 26 have Buy ratings, 14 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month SYF stock forecast based on 41 Wall Street analysts shows a consensus price target of $90.08, with estimates ranging from $81 (bear case) to $100 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $107, with bear/bull scenarios of $48/$261.
Our quantitative valuation model calculates SYF's fair value at $107 (base case), with a bear case of $48 and bull case of $261. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 49/100.
SYF trades at a forward P/E ratio of 7.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 8.1x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on SYF, with a "Buy" consensus rating and $90.08 price target (30.3% upside). 26 of 41 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
SYF analyst price targets range from $81 to $100, a 21% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $90.08 consensus represents the middle ground. Our model's $48-$261 range provides an independent fundamental perspective.