SYF Stock Analysis: Buy, Sell, or Hold?
SYF - SYNCHRONY FINANCIAL
$68.19
2.18 (3.30%)
▲
5d:
+1.37%
30d:
-0.66%
90d:
-19.53%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 21, 2026
20d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SYF trading at deep discount. Market pricing in -6.1% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: SYF trading at deep discount. Market pricing in -6.1% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$120.10
Based on 8.7% avg growth
INTRINSIC VALUE TODAY
$74.57
8.6% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SYF is currently trading at $68.19, which is considered fair relative to its 30-day fair value range of $64.83 to $70.19. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.3) compared to its historical average (7.6). Remarkably, the market is currently pricing in an annual earnings decline of 6.1% over the next few years. This pessimistic expectation contrasts with the company's recent 7.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is approaching resistance at $68.60. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: SYF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.22 (+35.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is approaching resistance at $68.60. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: SYF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.22 (+35.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$64.83 -
$70.19
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.3%)
- BULLISH: Trading 35.2% below Wall St target ($89.22)
Fair Price Analysis
30-Day Fair Range
$64.83 -
$70.19
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$64.68
Resistance Level
$68.60
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.31
Wall Street Target
$89.22
(+35.2%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
7.8%
Profit Margin
36.4%
Valuation Discount vs History
-6.1% cheaper
PE vs Historical
6.3 vs 7.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.1%
(market-implied from PE analysis)
1-Year Target
$61.98
(-6%)
2-Year Target
$58.20
(-12%)
3-Year Target
$54.65
(-17%)
3-Yr Target (if PE normalizes)
(PE: 6→8)
$65.83
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 13.3%)
$339.82
(+415%)
Base:
(SPY PE: 6.3, Growth: 13.3%)
$95.94
(+45%)
Bear:
(PE: 5.4, Growth: 13.3%)
$81.55
(+24%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.13 | Current EPS (TTM): $9.28
Bull Case
$82.01
(+23%)
Analyst growth 12.6%, PE expands to 7.9
Base Case
$74.56
(+12%)
Market implied 12.6%, PE stable at 7.1
Bear Case
$45.01
(-32%)
Severe decline -20.0%, PE contracts to 6.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.3 to 7.6
Stabilization Target:
$79.51
(+20.4%)
PE Expansion Potential:
+20.4%
Share & Embed Analysis
Last updated: March 31, 2026 3:01 PM ET
Data refreshes hourly during market hours. Next update: 4:01 PM
Data refreshes hourly during market hours. Next update: 4:01 PM
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Technical Signals Check
Is SYF showing a specific setup today?
Insider Activity (6 Months)
2
Buys
13
Sells
Net
INSIDERS SELLING
Recent Transactions
Brian J Sr. Wenzel
SELL
47112 shares
2026-03-03
Alberto Casellas
SELL
14399 shares
2026-03-02
Bart Schaller
SELL
12980 shares
2026-03-02
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