SYF trades 24.9% below Wall Street's consensus target of $88.30.
Last 12 months price action with 12-month analyst target path
The base valuation assumes SYF achieves its forward estimates and maintains a stable P/E multiple of 7.6x. This scenario reflects the blended consensus of 41 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Synchrony Financial (SYF) has a Wall Street consensus price target of $88.30, based on estimates from 41 covering analysts. With the stock currently trading at $70.67, this represents a potential upside of +24.9%. The company has a market capitalization of $22.99B.
Analyst price targets range from a low of $80.00 to a high of $104.00, representing a 27% spread in expectations. The median target of $87.50 aligns closely with the consensus average.
The current analyst consensus rating is Buy, with 25 analysts rating the stock as a Buy or Strong Buy,15 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 7.6x and forward P/E of 7.6x. The forward PEG ratio of 0.23 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -11.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $84.75, with bear and bull scenarios of $53.39 and $111.66 respectively. Model confidence stands at 54/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 COFCapital One Financial Corporation | $120.3B | $196.10 | $253.00 | +29.0% | Buy | 9.6x | 57 |
 BFHBread Financial Holdings, Inc. | $4.0B | $99.19 | $116.55 | +17.5% | Hold | 8.1x | 37 |
 ALLYAlly Financial Inc. | $11.7B | $38.58 | $54.50 | +41.3% | Buy | 7.4x | 38 |
 MAMastercard Incorporated | $494.7B | $559.92 | $666.67 | +19.1% | Buy | 28.1x | 65 |
 VVisa Inc. | $675.0B | $361.52 | $422.24 | +16.8% | Buy | 27.3x | 62 |
 AXPAmerican Express Company | $203.9B | $301.96 | $378.09 | +25.2% | Hold | 17.1x | 57 |
 BACBank of America Corporation | $397.4B | $56.00 | $66.00 | +17.9% | Buy | 12.1x | 54 |
 JPMJPMorgan Chase & Co. | $904.4B | $337.53 | $373.64 | +10.7% | Buy | 13.6x | 61 |
 CCitigroup Inc. | $226.3B | $131.96 | $150.18 | +13.8% | Buy | 11.8x | 27 |
 WMTWalmart Inc. | $881.0B | $110.53 | $128.84 | +16.6% | Buy | 38.2x | 66 |
Quick answers to the most common questions about buying SYF stock.
The consensus Wall Street price target for SYF is $88.3, representing 24.9% upside from the current price of $70.67. 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 25 Buy/Strong Buy ratings. The consensus 12-month price target of $88.3 implies 24.9% upside from current levels.
With a forward P/E of 7.5588x, SYF trades at a relatively low valuation. The consensus target of $88.3 implies 24.9% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $104 for SYF, while the most conservative target is $80. The consensus of $88.3 represents the median expectation. Our quantitative valuation model projects a bull case target of $112 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, 25 have Buy ratings, 15 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 $88.3, with estimates ranging from $80 (bear case) to $104 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $85, with bear/bull scenarios of $53/$112.
Our quantitative valuation model calculates SYF's fair value at $85 (base case), with a bear case of $53 and bull case of $112. 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 54/100.
SYF trades at a forward P/E ratio of 7.6x based on next-twelve-months earnings estimates compared to a trailing P/E of 7.6x. 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 $88.3 price target (24.9% upside). 25 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 $80 to $104, a 27% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $88.3 consensus represents the middle ground. Our model's $53-$112 range provides an independent fundamental perspective.
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