SYF Stock Analysis: Buy, Sell, or Hold?
SYF - SYNCHRONY FINANCIAL
$72.63
-0.74 (-1.01%)
ā¼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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1 traders called SYF this week
50% bullish • 1 bearish
50% bullish • 1 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
š HOLD: SYF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
š HOLD: SYF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$130.98
Based on 8.0% avg growth
INTRINSIC VALUE TODAY
$81.33
10.7% 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 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SYF is currently trading at $72.63, which is considered oversold relative to its 30-day fair value range of $75.95 to $86.22. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.0) compared to its historical average (8.6). Remarkably, the market is currently pricing in an annual earnings decline of 6.4% over the next few years. This pessimistic expectation contrasts with the company's recent 7.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $71.86. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $91.13 (+24.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $71.86. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $91.13 (+24.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$75.95 -
$86.22
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding SYF? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.2% below Wall St target ($91.13)
- CAUTION: 5-day price weakness (-5.2%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$75.95 -
$86.22
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$71.86
Resistance Level
$81.84
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
7.05
Wall Street Target
$91.13
(+24.2%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
7.6%
Profit Margin
36.4%
Valuation Discount vs History
-6.4% cheaper
PE vs Historical
7.1 vs 8.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.4%
(market-implied from PE analysis)
1-Year Target
$68.67
(-6%)
2-Year Target
$64.28
(-12%)
3-Year Target
$60.17
(-18%)
3-Yr Target (if PE normalizes)
(PE: 7ā9)
$73.39
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 11.9%)
$325.32
(+343%)
Base:
(SPY PE: 7.1, Growth: 11.9%)
$102.85
(+40%)
Bear:
(PE: 6.0, Growth: 11.9%)
$87.42
(+19%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 7.91 | Current EPS (TTM): $9.28
Bull Case
$90.57
(+25%)
Analyst growth 12.1%, PE expands to 8.7
Base Case
$82.34
(+13%)
Market implied 12.1%, PE stable at 7.9
Bear Case
$49.93
(-31%)
Severe decline -20.0%, PE contracts to 6.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.1 to 8.6
Stabilization Target:
$89.50
(+22.0%)
PE Expansion Potential:
+22.0%
Last updated: January 31, 2026 2:04 AM ET
Data refreshes hourly during market hours. Next update: 3:04 AM
Data refreshes hourly during market hours. Next update: 3:04 AM
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Technical Signals Check
Is SYF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Brian J Sr. Wenzel
SELL
8514 shares
2025-08-05
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Advanced SYF Option Strategies
Professional options setups generated by AI based on today's SYF price and gamma walls.
