Synchrony Financial (SYF) fair value analysis
S&P 500 · Updated 2026-10-19
SYF price how computed
Forward Fair Value verdict
Fairly valuedSYF is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $72.80
- Sector
- Financial Services
- 12-month range
- $63.78–$88.47
- Market cap
- $23.7B
- From 52-week high
- -17.7%
- Shares outstanding
- 325M
- Rank in Financial Services by discount to fair value
- #78 of 167
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
Synchrony Financial is a consumer financial services company that provides credit products, including credit cards and installment loans, as well as point-of-sale financing solutions to consumers and merchants. The company operates primarily in the United States, offering its services through partnerships with major retailers and brands across various industries.
SYF currently ranks #78 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $23.7B
- P/E (trailing)
- 7x
- Revenue (TTM)
- $19B
- Net margin
- 18.6%
- EPS (TTM)
- $9.90
- Gross margin
- 53.6%
- Debt / equity
- 0.97
- Revenue growth (3-yr avg)
- 1.7%
- Shares outstanding
- 325M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 49 · neutral
- 50-day average
- $75.93
- 200-day average
- $74.07
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $1.24 per share (4 payments)
- Yield on last price
- 1.70%
- Consecutive years of increases
- 4
- Last ex-dividend date
- 2026-08-05
- Last payment date
- 2026-08-17
Earnings how computed
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+24.5%)
2026-03 ▲ beat (+5.1%)
2025-12 ▲ beat (+7.9%)
2025-09 ▲ beat (+29.4%)
2025-06 ▲ beat (+39.7%)
2025-03 ▲ beat (+14.5%)
2024-12 ▼ miss (-0.5%)
2024-09 ▲ beat (+6.6%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 16 buy · 7 hold · 0 sell (23 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $87.9
- Target vs last price
- +20.7%
What our data shows for SYF
- Our model validated 14 trailing price-to-earnings windows for SYF, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $63.78–$88.47.
- The 14-day relative strength index sits at a neutral 49.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for SYF
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent SYF news
TickrTrends' derived news-sentiment signal for SYF is currently leaning positive, computed from recent coverage.
- SYF Maintained by JP Morgan -- Price Target Raised to $77.00 (gurufocus.com, 2026-10-21)
TickrTrends take: JP Morgan's maintained rating combined with a raised price target to $77 suggests analyst confidence in Synchrony Financial's near-term prospects, which aligns with TickrTrends' assessment that the stock is fairly valued at current levels. For valuation-focused investors monitoring this Financial Services company, the raised price target indicates potential upside if the company executes according to analyst expectations, though the fairly valued designation suggests limited margin of safety at present levels. The gap between current market pricing and the analyst target represents a key metric to monitor as new earnings data emerges. - SYF Downgraded by Evercore ISI Group -- Price Target Lowered to $78.00 (gurufocus.com, 2026-10-21)
TickrTrends take: Synchrony Financial was downgraded by Evercore ISI Group with a price target reduction to $78, which suggests analyst confidence in the company's near-term prospects has declined. Given that TickrTrends currently assesses SYF as fairly valued, this downgrade may indicate that the market's pricing of the company was not yet reflecting the analyst's more cautious outlook. Investors focused on valuation metrics should monitor whether this rating change influences SYF's trading multiples relative to other Financial Services sector peers, as divergence between analyst sentiment and current valuations can signal potential repricing ahead. - SYF Maintained by Barclays -- Price Target Raised to $94.00 (gurufocus.com, 2026-10-21)
TickrTrends take: Barclays raised its price target for SYF to $94, signaling analyst confidence in the financial services company's prospects. With TickrTrends currently assessing SYF as fairly valued, this target represents a potential upside scenario that would require the market to price in stronger fundamentals or growth assumptions than are currently reflected. Valuation-focused investors should monitor whether SYF's operational performance and financial metrics can support movement toward this higher target level.
More SYF news
- The 10 Cheapest Large-Cap Stocks This Week (acquirersmultiple.com, 2026-10-18)
- Here are the 3 big things we're watching in the stock market this week (cnbc.com, 2026-10-18)
- Synchrony Financial Fixed-Rate Preferreds: Increased Yield Enhances Appeal (seekingalpha.com, 2026-10-16)
- Is Synchrony Financial (SYF) Overvalued After 3.2% Rally? GF Value Says Overvalued (gurufocus.com, 2026-10-15)
- Is the Options Market Predicting a Spike in Synchrony Financial Stock? (zacks.com, 2026-10-14)
- SYF Maintained by Morgan Stanley -- Price Target Lowered to $83.00 (gurufocus.com, 2026-10-12)
- SYF Maintains by JP Morgan -- Price Target Lowered to $74.00 (gurufocus.com, 2026-10-12)
- The 10 Cheapest Large-Cap Stocks This Week (acquirersmultiple.com, 2026-10-11)
What people are saying
Follow the SYF conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is SYF stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), SYF is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is SYF's TickrTrends verdict?
SYF's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does SYF compare to other Financial Services stocks?
SYF ranks #78 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is SYF overbought or oversold?
SYF's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does SYF pay a dividend?
Yes. SYF paid $1.24 per share over the last twelve months (4 payments), a 1.70% yield on TickrTrends' last price, and has raised the annual total for 4 consecutive years. The last ex-dividend date was 2026-08-05.
Does SYF usually beat earnings estimates?
Over its last 8 reported quarters SYF beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about SYF?
Of 23 analysts covering SYF, 16 rate it a buy, 7 a hold and 0 a sell - buy-leaning, with a consensus price target of $87.9 (+20.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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Head-to-head comparisons
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