SYF stock forecast: what analysts expect
Wall Street analysts covering Synchrony Financial currently rate the stock a Buy on average, with a mean 12-month price target of $89.09 — +12.2% versus the last price of $79.41. Targets reflect analyst opinion, not a guarantee.
SYF historical returns
Based on monthly dividend-adjusted prices. See the full breakdown on what if you had invested in SYF.
SYF annual returns by year
Congress trading in SYF
14 members of Congress have disclosed trading SYF — 14 purchases and 11 sales worth an estimated $256,001. Most recent disclosure: Apr 9, 2026.
See who in Congress traded SYF →Insider activity in SYF
SYF's own executives and directors have made 0 open-market purchases ($0) and 5 sales ($4.1M) in the last 90 days, per SEC Form 4 filings. Most recent: Aug 3, 2026.
| Aug 3, 2026 | Owens Darrell | See remarks | Sell | $46,805 |
| Aug 3, 2026 | Gentleman Courtney | See remarks | Sell | $55,322 |
| Aug 3, 2026 | Coviello Arthur W Jr | Director | Sell | $308,680 |
| May 15, 2026 | Mothner Jonathan S | See remarks | Sell | $2.8M |
| May 15, 2026 | Mothner Jonathan S | See remarks | Sell | $801,907 |
About Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
SYF Key Statistics
SYF in plain English
- P/E ratio (8.1) — how many dollars you pay for each $1 of SYF's yearly profit. That's on the low side, which can mean it's cheap — or that the market is worried.
- ROE (20.79%) — how efficiently the company turns shareholders' money into profit. Above ~20% is considered strong.
- Profit margin (35.51%) — of every $1 in sales, this is what's left as profit after all costs.
- Dividend yield (1.71%) — the cash payout you'd earn per year as a % of the share price, on top of any price gains.
SYF stock: frequently asked questions
What is Synchrony Financial's stock price today?
Synchrony Financial (SYF) last traded at $79.41 on the NYSE. Over the past 52 weeks the stock has traded between $63.08 and $88.77.
Is SYF stock a buy or a sell?
Wall Street analysts' consensus rating on SYF is "Buy", with an average 12-month price target of $89.09 — about +12.2% versus the current price of $79.41. Analyst targets are opinions, not guarantees; always do your own research.
How much would $1,000 invested in SYF 10 years ago be worth today?
A $1,000 investment in Synchrony Financial made 10 years ago would be worth about $3,604 today (dividends reinvested) — a total return of 260%, or 13.7% per year.
Does SYF pay a dividend?
Yes. Synchrony Financial currently pays a dividend yielding about 1.71% per year at today's share price.
What is SYF's P/E ratio?
SYF trades at a trailing price-to-earnings ratio of 8.1, and 7.6 times expected forward earnings. The P/E ratio tells you how many dollars investors pay for each $1 of the company's annual profit.
Do members of Congress trade SYF stock?
Yes — 14 members of Congress have disclosed trades in SYF under the STOCK Act, totaling 14 purchases and 11 sales worth an estimated $256,001.
What is Synchrony Financial's ticker symbol?
Synchrony Financial trades under the ticker symbol SYF on the NYSE.
Compare SYF with peers
Data last refreshed from public sources. Figures may be delayed. Not investment advice.