Is SYF stock a Buy, Sell, or Hold?

Based on our analysis, SYF is currently a HOLD with low confidence. 📊 HOLD: SYF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of SYF stock?

Our analysis estimates the fair value range for SYF to be between $71.95 and $75.15. The current price is $75.18.

What is the analyst price target for SYF?

The average Wall Street analyst price target for SYF is $86.78. This implies a potential upside of 15.4% from current levels.

SYNCHRONY FINANCIAL (SYF) Stock: Buy, Sell, or Hold?

SYF - SYNCHRONY FINANCIAL

FINANCE SERVICES

$75.18

-1.64 (-2.13%) ▼

5d: +0.28%

30d: +4.59%

90d: -5.14%

HOLD

LOW Confidence

Protect Your SYF Gains

Analysis Updated: Nov 3, 2026 12:00 AM ET

Earnings: Oct 20, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Nov 3, 2026 at $75.25 · last confirmed Nov 3, 2026

Strength: 6.0/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: SYF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 9.9%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$106.91

Based on 7.0% avg growth

INTRINSIC VALUE TODAY

$66.38

Trading above historical range

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 7.3x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: SYF is currently trading at $75.18, which is considered extended relative to its 30-day fair value range of $71.95 to $75.15. The stock's valuation (Forward PE: 7.2) is in line with its historical norms (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, SYF is in a strong uptrend. Immediate support is located at $72.41, while resistance sits at $77.76.

Market Sentiment: SYF scores 36/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $86.78 (+15.4%). 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 EXTENDED

Historical Trading Range $71.95 - $75.15

Company Quality Score 54/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 26.2%

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All Signals

BEARISH: Price extended above range
BEARISH: Weak technical setup (36/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($86.78)

Trading Range Analysis

30-Day Trading Range $71.95 - $75.15

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $72.41

Resistance Level $77.76

Current Trend Strong Uptrend

Technical data as of Nov 3, 2026

Fundamental Context

Forward P/E (Next Year Est.) 7.18

Wall Street Target $86.78 (+15.4%)

Revenue Growth (YoY) -4.7%

Earnings Growth (YoY) -6.3%

Profit Margin 34.1%

Valuation Discount vs History -0.5% cheaper

PE vs Historical 7.2 vs 7.3 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -0.5% (market-implied from PE analysis)

1-Year Target $74.80 (-1%)

2-Year Target $74.43 (-1%)

3-Year Target $74.06 (-2%)

3-Yr Target (if PE normalizes) (PE: 7→7) $75.34 (+0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 9.9%) $275.94 (+267%)

Base: (SPY PE: 7.2, Growth: 9.9%) $99.71 (+33%)

Bear: (PE: 6.1, Growth: 9.9%) $84.75 (+13%)

📈 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: 8.02 | Current EPS (TTM): $9.58

Bull Case $92.41 (+23%)

Analyst growth 9.4%, PE expands to 8.8

Base Case $84.01 (+12%)

Market implied 9.4%, PE stable at 8.0

Bear Case $52.24 (-31%)

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 7.2 to 7.3

Stabilization Target: $76.48 (+1.7%)

PE Expansion Potential: +1.7%

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Last updated: November 03, 2026 9:27 PM ET
Data refreshes hourly during market hours. Next update: 10:27 PM

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Insider Activity (6 Months)

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Advanced SYF Option Strategies

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