SYF Stock Analysis: Buy, Sell, or Hold?
SYF - SYNCHRONY FINANCIAL
$68.97
-0.30 (-0.43%)
▼
5d:
-6.77%
30d:
-6.67%
90d:
-12.56%
HOLD
MODERATE Confidence
Analysis Updated: Mar 5, 2026 12:00 AM ET
Earnings: Apr 21, 2026
Get Alerted When SYF Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: SYF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 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
$126.70
Based on 8.7% avg growth
INTRINSIC VALUE TODAY
$78.67
12.3% 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 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SYF is currently trading at $68.97, which is considered oversold relative to its 30-day fair value range of $70.09 to $74.62. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.6) compared to its historical average (8.0). Remarkably, the market is currently pricing in an annual earnings decline of 6.0% 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. Immediate support is located at $66.38, while resistance sits at $74.81.
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 $90.26 (+30.3%). 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. Immediate support is located at $66.38, while resistance sits at $74.81.
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 $90.26 (+30.3%). 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
$70.09 -
$74.62
Company Quality Score
56/100
(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 30.3% below Wall St target ($90.26)
- CAUTION: 5-day price weakness (-6.8%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$70.09 -
$74.62
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$66.38
Resistance Level
$74.81
Current Trend
Strong Uptrend
Technical data as of
Mar 5, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.62
Wall Street Target
$90.26
(+30.3%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
7.8%
Profit Margin
36.4%
Valuation Discount vs History
-6.0% cheaper
PE vs Historical
6.6 vs 8.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.0%
(market-implied from PE analysis)
1-Year Target
$65.11
(-6%)
2-Year Target
$61.21
(-12%)
3-Year Target
$57.53
(-17%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$69.50
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.6, Growth: 13.4%)
$344.32
(+397%)
Base:
(SPY PE: 6.6, Growth: 13.4%)
$100.94
(+46%)
Bear:
(PE: 5.6, Growth: 13.4%)
$85.80
(+24%)
📈
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: 7.97 | Current EPS (TTM): $9.28
Bull Case
$91.73
(+33%)
Analyst growth 12.7%, PE expands to 8.8
Base Case
$83.39
(+21%)
Market implied 12.7%, PE stable at 8.0
Bear Case
$50.31
(-27%)
Severe decline -20.0%, PE contracts to 6.8
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 6.6 to 8.0
Stabilization Target:
$83.68
(+20.8%)
PE Expansion Potential:
+20.8%
Share & Embed Analysis
Last updated: March 06, 2026 5:30 AM ET
Data refreshes hourly during market hours. Next update: 6:30 AM
Data refreshes hourly during market hours. Next update: 6:30 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SYF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
6
Sells
Net
INSIDERS SELLING
Recent Transactions
Arthur W Coviello Jr
SELL
4000 shares
2026-02-02
Curtis Howse
SELL
52556 shares
2026-02-02
Jonathan S Mothner
SELL
32000 shares
2025-11-17
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$401 | 63 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$662 | 59 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$52 | 63 BUY |
|
AXP
American Express Company |
HOLD
30 analysts |
$380 | 57 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$84 | 53 HOLD |
Advanced SYF Option Strategies
Professional options setups generated by AI based on today's SYF price and gamma walls.
