SYNCHRONY FINANCIAL (SYF) Stock: Buy, Sell, or Hold?
$71.82
+0.12 (+0.17%)
▲
5d:
-4.28%
30d:
-2.41%
90d:
-10.31%
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70/30 Portfolio Builder
Earnings: Oct 20, 2026
0d
Protect SYF Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (57%)
Quality Score
47/100
Position
OVERSOLD
30-Day Fair Range
$72.44 – $75.30
Position: OVERSOLD
Forward P/E & Valuation
6.9x
FAIR
vs 7.3x historical avg
Wall Street Target
$87.00
+21.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$69.87 / $77.76
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: SYF shows conflicting indicators. Wait for confirmation before entering.
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 6, 2026
Strength: 6.4/10
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$106.30
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$66.00
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.
In-depth Analysis How we analyze
Valuation Analysis: SYF is currently trading at $71.82, which is considered oversold relative to its 30-day fair value range of $72.44 to $75.30. The stock's valuation (Forward PE: 6.8) is in line with its historical norms (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.0% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $69.87. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF scores 25/100 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 $87.00 (+21.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SYF is in a strong uptrend. The price is currently testing key support at $69.87. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SYF scores 25/100 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 $87.00 (+21.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$72.44 -
$75.30
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Trading Range & Key Levels
30-Day Trading Range
$72.44 -
$75.30
Current vs Trading Range
OVERSOLD
Support Level
$69.87
Resistance Level
$77.76
Current Trend
Strong Uptrend
Technical data as of
Nov 10, 2026
Protect Your Profits
Holding SYF? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.3% below Wall St target ($87.00)
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
6.85
Wall Street Target
$87.00
(+21.3%)
Revenue Growth (YoY)
-4.7%
Earnings Growth (YoY)
-6.3%
Profit Margin
34.1%
Valuation Discount vs History
-2.0% cheaper
PE vs Historical
6.9 vs 7.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.0%
(market-implied from PE analysis)
1-Year Target
$70.27
(-2%)
2-Year Target
$68.86
(-4%)
3-Year Target
$67.48
(-6%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$71.90
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 9.7%)
$274.58
(+283%)
Base:
(SPY PE: 6.9, Growth: 9.7%)
$94.73
(+32%)
Bear:
(PE: 5.8, Growth: 9.7%)
$80.52
(+12%)
📈
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: 7.64 | Current EPS (TTM): $9.58
Bull Case
$87.98
(+23%)
Analyst growth 9.2%, PE expands to 8.4
Base Case
$79.98
(+12%)
Market implied 9.2%, PE stable at 7.6
Bear Case
$49.79
(-31%)
Severe decline -20.0%, PE contracts to 6.5
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 6.9 to 7.3
Stabilization Target:
$76.39
(+6.5%)
PE Expansion Potential:
+6.5%
Share SYF Analysis
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (SYF)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jul 20, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish trader on StockTwits has identified unusual activity in $SYF's January $85 calls, indicating a potential 7.3% move up, while no recent news articles are available.
Key Retail Themes:
bullish sentiment
options trading activity
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:25 PM ET
Data refreshes hourly during market hours. Next update: 2:25 PM
Data refreshes hourly during market hours. Next update: 2:25 PM
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Technical Signals Check
Is SYF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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